# Takaful Emarat - Gold **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-gold/ Takaful Emarat Gold ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. Takaful Emarat offers flexibility and customizable features to tailor-fit your families’ needs and your budget. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. Plan Summary Plan NameGold Cover AmountAED 1,100,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Takaful Emarat - Gold Details Maternity Cover • Normal Delivery expenses are covered up to AED 10,000 • C-Section and complication expenses are covered up to a sub limit of AED 10,000 Waiting Period Maternity any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition All medical underwritten conditions will have no waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. Pre-existing diseases (PED) Covered only if declared on additional payment Additional Information No waiting period applies to the above cases upon payment of an additional premium, as per underwriting guidelines—coverage begins from Day 1. Also, for renewals, no waiting period is applicable. Hospital Access Direct access to hospital Coverage Type Full Access Out-Patient Services New Born Cover As per DHA benefit guidelines. Vaccinations (Adults) Covered both on Free Access & reimbursement basis Physician Consultation Covered with Co-pay of 20% max 50 per consultation In-Patient Services Co-Payment 20% co-payment on diagnostics and Laboratory Tests10% co-payment on diagnostics and Laboratory TestsNil co-payment on diagnostics and Laboratory Tests Room Type Private Room Ambulance Service Covered Emergency Treatment 100% of Actual Covered Cost Pre-existing conditions All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting., All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/- , Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal. Parent Accommodation for child under 18 years For children upto 16 Years of Age - Covered maximum up to 100 AED per night Repatriation of Mortal Remains to Home Country Covered up to AED 7,500/- Pre-Existing and Chronic Conditions • All declared Pre existing and Chronic conditions are covered with a sub limit of AED 150,000/- Network Mednet Gold Diagnostics (X-RAY, MRI, CT-SCAN) Covered with 0% copay per invoiceCovered with 20% copay per invoiceCovered with 10% copay per invoice Psychiatry Not Covered Alternative medicine Covered on reimbursement upto AED 2,500/-Covered on reimbursement upto AED 1,600/- Dental and gum treatment Covered with 20% co pay up to AED 3500 Hearing and Vision Aid Covered in medical emergencies Physiotherapy Treatment Covered with 10% copay per invoiceCovered with 20% copay per invoiceCovered with 0% copay per invoice Region Coverage Worldwide ## 197 Takaful Emarat - Gold Added Network Hospitals Search Plan Name Plan Name Type Type Name Address NMC ROYAL WOMENS -ABU DHABI / MF3186 (Hospitals) ABU DHABI - 02-5082000 MEDICLINIC HOSPITALS L.L.C. (AIRPORT ROAD HOSPITAL) / MF2270 (Hospitals) AIRPORT ROAD, SHK. MOHD BIN BUTTI BLDG. - 02-4944813 MAGRABI SPECIALIZED HOSPITAL- BRANCH (Hospitals) AL KHALEEJ AL ARABI STREET, AL MUSHRIF - 02-4446565 IMPERIAL COLLEGE LONDON DIABETES CENTRE (Hospitals) AL KHALEEJ AL ARABI STREET, EMBASIES AREA - 02-4040800 CLEVELAND CLINIC ABU DHABI LLC (Hospitals) AL MAQAM TOWER, AL FALAH STREET, ABU DHABI GLOBAL MARKET SQUARE, AL MARYAH ISLAND - 02-6590200 MAGRABI EYE EAR CENTER (Hospitals) BANIYAS STREET, AL NAKHEEL TOWER - 02-6345000 LIFECARE HOSPITAL (Hospitals) BANIYAS STREET, WATHBA, GATE NO. 6 AL RAHA VILLAGE - 02-5856333 DANAT AL EMARAT HOSPITAL FOR WOMEN CHILDREN LLC-ABU DHABI-MF2278 (Hospitals) BEN AL JESREEN STREET, ABU DHABI GATE - 02-6149999 HEALTH SHIELD MEDICAL CENTER L.L.C. (formerly known as EMIRATES FRENCH HOSPITAL) (Hospitals) CORNICHE ROAD, CORNICHE - 02-6265722 NMC SPECIALTY HOSPITAL (Hospitals) ELECTRA STREET, AL KAMAL TOWERS - 02-6332255 \*Network lists are subject to change as per the discretion of the Insurer. 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