# Takaful Emarat Individual Health Insurance
**Published:** 2024-04-05
**Updated:** 2026-07-29
**Author:** Mousree Das
**Reviewer:** Toshita Chauhan
**Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-individual-health-insurance/
**We are Rated:** 4.7/5
**Review Count:** 45,327 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Trusted Customers:** 2 Million+
**Insurance Partners:** 35+
**Policies Sold:** 1 Million+
Takaful Emarat's individual health insurance plans are designed with the well-being of their customers in mind, offering comprehensive coverage and peace of mind. These plans provide individuals with access to high-quality healthcare services, ensuring that they receive the best possible care in times of need.
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.
Takaful Emarat's individual health insurance plans encompass a range of benefits, including coverage for hospitalisation, surgeries, emergency treatments, and diagnostic procedures. With a commitment to Shariah-compliance, these plans align with Islamic principles, making them a suitable choice for individuals seeking ethical and responsible healthcare coverage.
Takaful Emarat's individual health insurance plans exemplify their dedication to providing financial protection and support for their customers' health and well-being. Let’s explore them in detail.
## Takaful Emarat Health Insurance Plans
| ECARE BLUE | Maternity Cover with outpatient and inpatient maternity services:
Covered with 10% coinsurance
Normal delivery and C-Section covered up to AED 10,000
Emergency conditions covered up to annual limitNewborn Cover:Extends benefits for a newborn for 30 days from birthOut-Patient Services:
Repatriation of Mortal Remains to Home Country: Up to AED 5,000
Prescribed drugs and dressings: Up to AED 3,500 with 20% Co-InsuranceIn-Patient Services:
Room Type: Semi-PrivatePre-Existing and Chronic Conditions:
Covered with a sub limit of AED 150,000Other Services:
Alternative Medicine: Covered up to AED 2,500/year
Cancer Treatment: As per program terms
Local road and air ambulance services: CoveredDiagnostics (X-RAY, MRI, CT-SCAN):
Covered up to AED 3,500 with 20% Co-InsuranceAlternative Medicine:
Covered up to AED 2,500/yearDental and gum treatment:
Covered with 20% coinsuranceHearing and Vision Aid:
Covered with 20% coinsurancePhysiotherapy Treatment:
6 sessions/member/year with 20% CopayRegion Coverage:
UAE (Home country) |
| --- | --- |
| NEXTCARE RN3 Silver | Maternity Cover with outpatient and inpatient maternity services:
Normal Delivery & C-Section: Up to AED 10,000Covered with 10% coinsuranceEmergency conditions up to annual limitWaiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to specialistsOut-Patient Services:
Repatriation: Not Covered
Prescribed drugs: Up to AED 5,000 with 20% Co-InsuranceIn-Patient Services:
Room Type: Semi-Private
Pre-existing conditions: Covered up to AED 150,000
Cash indemnity benefit: Up to AED 2,000Other Services:
Cancer Treatment: As per program terms
Vaccinations: Once per annum
Ambulance: Covered
Diagnostics: 20% Co-pay
Psychiatry: Up to max AED 10,000
Hearing and Vision Aid: 20% coinsurance (Emergency Only)
Physiotherapy Treatment: 8 sessions/member/year
Region Coverage: Worldwide |
| MEDNET Silk Road | Maternity Cover:
Normal Delivery: Up to AED 10,000
C-Section & Complications: Up to AED 10,000Waiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to specialists in clinicsOut-Patient Services:
Newborn Cover: Per DHA guidelines
Vaccinations (Adults): Covered
Physician Consultation: 20% Co-payIn-Patient Services:
Room Type: Private Room
Ambulance Service: Covered
Emergency Treatment: 100% CoveredPre-existing conditions:
Covered up to AED 150,000 if declaredParent Accommodation for child under 18 years:
Up to AED 100 per night for children up to 16 yearsRepatriation of Mortal Remains to Home Country:
Covered up to AED 7,500Diagnostics (X-RAY, MRI, CT-SCAN):
Covered with 20% co-payAlternative medicine:
Covered on reimbursement up to AED 1,600Dental and gum treatment:
Covered in medical emergenciesHearing and Vision Aid:
Covered in medical emergenciesPhysiotherapy Treatment:
Covered with 20% co-payRegion Coverage:
Worldwide |
| NAS - WN (Marjan) | Maternity Cover:
10% coinsurance, max 10 visits, 8 ante-natal scansWaiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to specialists in clinicsIn-Patient Services:
Room Type: Private
Ambulance Service: Covered
Parent Accommodation for child under 18 years: AED 150/day
Accompanying person in the same room: AED 150/dayPre-Existing and Chronic Conditions:
Covered up to AED 150,000 if declared
6-month waiting period applies if no evidence of continuity of coverage
Newly diagnosed conditions have no waiting periodNetwork: NAS - VN (OP restricted to Clinics)
Other Services:
Prescribed Drugs & Medicines: Up to AED 5,000 with 15% Co-Insurance
Cancer Treatment: As per DHA program
Vaccinations (Adults): As per DHA guidelines
Organ Transplant: Covered for recipient
Preventive Services: As per DHA Regulations
Vaccination for Children: Inside Network: 100% coverage, Outside Network: Covered on Network UCR Rates
HCV Hepatitis C Virus Infection: As per DHA programDiagnostics (X-RAY, MRI, CT-SCAN):
Covered with 10% Co-payDental and gum treatment: Only in emergency Cases
Hearing and Vision Aid: Only in emergency cases
Physiotherapy Treatment: 6 sessions/member/year
Region Coverage: Worldwide |
| MEDNET Emerald | Maternity Cover:
Normal Delivery: Up to AED 10,000
C-Section & Complications: Up to AED 10,000Waiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to hospitalOut-Patient Services:
Newborn Cover: Per DHA guidelines
Vaccinations (Adults): Covered
Physician Consultation: 20% Co-payIn-Patient Services:
Co-Payment: 20% on diagnostics and lab tests
Room Type: Private Room
Ambulance Service: Covered
Emergency Treatment: 100% of Actual Covered CostPre-existing conditions:
Covered up to AED 150,000 if declaredParent Accommodation for child under 18 years:
Up to AED 100 per night for children up to 16 yearsRepatriation of Mortal Remains to Home Country:
Covered up to AED 7,500Diagnostics (X-RAY, MRI, CT-SCAN):
Covered with 20% co-payAlternative medicine:
Covered on reimbursement up to AED 1,600Dental and gum treatment:
Covered in medical emergenciesHearing and Vision Aid:
Covered in medical emergenciesPhysiotherapy Treatment:
Covered with 20% co-payRegion Coverage:
Worldwide |
| NEXTCARE RN2 Iridium | Maternity Cover:
Up to AED 12,500
Newborn cover: Up to 30 days from birthWaiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to hospitalOut-Patient Services:
Repatriation of Mortal Remains: Up to AED 10,000/person/year, reimbursement basis
Prescribed drugs: Up to AED 5,000 with 20% Co-InsuranceIn-Patient Services:
Room Type: Private
Hospital Accommodation: AED 250/day, prior approval required
Cash indemnity benefit: Up to AED 250/night, max 10 nightsPre-existing conditions:
Covered up to AED 150,000 if declared
Newly diagnosed conditions have no waiting period
Limited to AED 1,000/person/year for alternative medicine with 20% Co-pay
Dental and gum treatment: Up to AED 1,500 with 20% Co-pay
Physiotherapy Treatment: 10 sessions/member/yearOther Services:
Home Nursing: Covered, up to AED 5,000/person/year
Cancer Treatment: As per DHA program
Vaccinations (Adults): Once per annum
Local road and air ambulance services: Covered
Diagnostics (X-RAY, MRI, CT-SCAN): 20% Co-pay
Psychiatry: Up to max AED 10,000
Hearing and Vision Aid: 20% coinsurance (Emergency Only)Region Coverage: Worldwide |
| MEDNET Green | Maternity Cover:
Normal Delivery: Up to AED 10,000
C-Section & Complications: Up to AED 10,000Waiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to hospitalOut-Patient Services:
Newborn Cover: Per DHA guidelines
Vaccinations (Adults): Covered
Physician Consultation: 20% Co-payIn-Patient Services:
Co-Payment: 20% on diagnostics and lab tests
Room Type: Private Room
Ambulance Service: Covered
Emergency Treatment: 100% of Actual Covered CostPre-existing conditions:
Covered up to AED 150,000 if declaredParent Accommodation for child under 18 years:
Up to AED 100 per night for children up to 16 yearsRepatriation of Mortal Remains to Home Country:
Covered up to AED 7,500Network: Mednet Green
Diagnostics (X-RAY, MRI, CT-SCAN):
Covered with 20% co-payAlternative medicine:
Covered on reimbursement up to AED 1,600Dental and gum treatment:
Covered in medical emergenciesHearing and Vision Aid:
Covered in medical emergenciesPhysiotherapy Treatment:
Covered with 20% co-payRegion Coverage:
Worldwide |
| NEXTCARE RN Gold | Maternity Cover with inpatient and outpatient services:
Covered up to AED 12,500
Newborn Cover: Up to 30 daysCovered with 10% coinsuranceUp to AED 10,000 for normal delivery
Up to AED 10,000 for C-Section and complications
Emergency conditions covered up to annual limit
Pregnancy declaration requiredWaiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to the hospitalOut-Patient Services:
Repatriation of Mortal Remains: Up to AED 10,000Prescribed Drugs and Dressings:
Covered up to AED 7,500 with 20% Co-InsuranceIn-Patient Services:
Room Type: Private Room
Pre-existing conditions covered up to AED 150,000 if declared
Hospital accommodation: AED 350/day
Cash indemnity benefit: Up to AED 200/night, max 10 nightsOther Services:
Home Nursing: Covered up to AED 5,000
Cancer Treatment: Per DHA program
Vaccinations (Adults): Once per annum
Local road and air ambulance services: CoveredDiagnostics (X-RAY, MRI, CT-SCAN):
Covered with 20% Co-payPsychiatry:
Covered up to max AED 10,000Alternative Medicine:
Limited to AED 1,500 with 20% CopayDental and Gum Treatment:
Covered up to AED 2,500 with 20% Co-payHearing and Vision Aid:
Covered with 20% coinsurance in emergenciesPhysiotherapy Treatment:
15 sessions per member per annumRegion Coverage:
Worldwide |
| NAS - SRN Opal | Maternity Cover:
Covered with 10% coinsurance
Max 15 visits and 8 ante-natal ultrasound scansIn-patient Maternity Services:
Co-Payment: 10%
Covered with 10% coinsurance, up to AED 20,000
Emergency conditions covered up to annual limitWaiting Period:
Maternity: 40 calendar days
Pre-Existing Conditions: None if declaredHospital Access:
Direct access to the hospitalIn-Patient Services:
Room Type: Private
Ambulance Service: Covered
Parent Accommodation: AED 250/dayHome Nursing:
Covered up to Maximum AED 5,000 per person per annumPre-Existing and Chronic Conditions:
Covered up to AED 150,000 if declared
No waiting period with continuity of coverageNetwork: NAS - SRN
Other Services:
Vision: Covered with 20% Co-pay, sub-limits apply
In-patient (IP Services): Covered on Reimbursement, up to AED 250/night
Deductible per Consultation: 10% up to AED 25 for GPs, 20% up to AED 60 for Specialists
Prescribed Drugs & Medicines: Covered up to AED 5,000 with 15% Co-Insurance
Cancer Treatment: Per DHA program
Vaccinations (Adults): Per DHA guidelinesOrgan transplant:
Covered for recipient only, excluding donor costs
Organs covered: heart, lung, kidney, pancreas, liver, Allogeneic & autologous bone marrowRepatriation of Mortal Remains:
Covered up to Maximum AED 10,000 per person per annum on Reimbursement basis with no copayPreventive services: As per DHA Regulations
Vaccination for Children:
Inside Network: 100% of Actual Cost
Outside Network: Covered on Network UCR RatesHCV Hepatitis C Virus Infection:
Covered as per DHA programWithin the Network:
Direct billing available, or reimbursement at 80% of usual & customary ratesOutside the Network in Countries where NAS is not present:
Reimbursement at 100% of actual costs or 100% of usual & customary rates, whichever is lessOutside the Network in Countries where NAS is present:
Reimbursement at 80% of actual costs or 80% of usual & customary rates, whichever is lessDiagnostics (X-RAY, MRI, CT-SCAN):
Covered with 10% Co-payPsychiatry:
Outpatient Covered up to Maximum AED 1,500 per person per annum with 20% copay
Inpatient Covered up to Maximum AED 6,000 per person per annumAlternative medicine:
Limited to AED 1,000 per person per annumDental and gum treatment:
Covered with 20% coinsuranceHearing and Vision Aid:
Covered with 20% coinsurancePhysiotherapy Treatment:
8 sessions per member per annumRegion Coverage:
Worldwide |
| MEDNET Silver Classic | Maternity Cover:
Normal Delivery up to AED 10,000
C-Section and complications up to AED 10,000 sub-limitWaiting Period:
Maternity Waiting: 40 calendar days
PED & Chronic Conditions: No waiting periodHospital Access:
Direct access to hospitalOut-Patient Services:
New Born Cover per DHA guidelines
Vaccinations (Adults): CoveredPhysician Consultation:
Covered with 20% Co-pay, max AED 50In-Patient Services:
Co-Payment: 20% on diagnostics and Laboratory Tests
Room Type: Private Room
Ambulance Service: Covered
Emergency Treatment: 100% of Actual Covered CostPre-existing conditions:
All declared Pre-existing and Chronic conditions covered up to AED 150,000
Undeclared pre-existing conditions not covered during the policy period, underwritten at renewalParent Accommodation for child under 18 years:
Covered, max AED 100/night for children up to 16 yearsRepatriation of Mortal Remains to Home Country:
Covered up to AED 7,500Network: Mednet Silver Classic
Diagnostics (X-RAY, MRI, CT-SCAN):
Covered with 20% copay per invoiceAlternative medicine:
Covered on reimbursement up to AED 1,600Dental and gum treatment:
Covered in medical emergenciesHearing and Vision Aid:
Covered in medical emergenciesPhysiotherapy Treatment:
Covered with 20% copay per invoiceRegion Coverage:
Worldwide |
| NAS - RN Yaqoot | Maternity Cover with inpatient services
10% Co-Payment
Emergency expenses covered up to annual limitWaiting Period:
Maternity: 40 days
PED & Chronic Conditions: No waitingHospital Access:
Direct accessIn-Patient Services:
Private Room
Ambulance Service: Covered
Parent Accommodation: AED 350/day
Accompanying Person: AED 350/day
Home Nursing: Covered up to AED 5,000Pre-Existing and Chronic Conditions:
Covered up to AED 150,000
No waiting if evidence of prior coverage, 6-month waiting otherwiseDiagnostics (X-RAY, MRI, CT-SCAN):
Covered with 10% Co-payPsychiatry:
Outpatient: Max AED 1,500/year, 20% copay
Inpatient: Max AED 6,000/yearAlternative medicine:
Limited to AED 1,500/yearDental and gum treatment:
Covered with 20% coinsuranceHearing and Vision Aid:
Covered with 20% coinsurancePhysiotherapy Treatment:
8 sessions/yearRegion Coverage:
Worldwide |
| NEXTCARE GN Gold Plus | Maternity Cover with inpatient and outpatient services:
Newborn cover up to 30 days10% coinsuranceEmergency expenses up to annual limitOut-Patient Services:
Repatriation of Mortal Remains: Max AED 15,000
Prescribed drugs and dressings: Up to AED 7,500, 20% Co-InsuranceIn-Patient Services:
Private Room
Hospital Accommodation: AED 400/dayPre-existing Conditions:
Covered up to AED 150,000
Declare all pre-existing conditionsCash Indemnity Benefit:
Max AED 200/night, up to 10 nightsOther Services:
Home Nursing: Max AED 7,500
Cancer Treatment: As per DHA
Vaccinations (Adults): Once per annum
Ambulance services: CoveredDiagnostics (X-RAY, MRI, CT-SCAN):
20% Co-payPsychiatry:
Max AED 10,000Alternative Medicine:
Max AED 2,000, 20% Co-payDental and Gum Treatment:
Up to AED 3,000, 20% Co-payHearing and Vision Aid:
20% coinsurance (Emergency only)Physiotherapy Treatment:
20 sessions per annumRegion Coverage: Worldwide |
| MEDNET Silver Premium | Maternity Cover:
Normal Delivery: Up to AED 10,000
C-Section & Complications: Up to AED 10,000Waiting Period:
Maternity: Within 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access to hospital
Out-Patient Services:
Newborn Cover: Per DHA guidelines
Vaccinations (Adults): Covered
Physician Consultation: 20% Co-payIn-Patient Services:
Co-Payment: 20% on diagnostics
Private RoomAmbulance Service: Covered
Emergency Treatment: 100% covered cost
Pre-existing Conditions:
Declared: Sub-limit AED 150,000
Undeclared: Underwritten at renewalParent Accommodation for Child: Max AED 100/night (up to 16 years)
Repatriation of Mortal Remains: Up to AED 7,500
Diagnostics (X-RAY, MRI, CT-SCAN): 20% copay
Alternative Medicine: Covered up to AED 1,600 (reimbursement)
Dental and Gum Treatment: Covered in emergencies
Hearing and Vision Aid: Covered in emergencies
Physiotherapy Treatment: 20% copay
Region Coverage: Worldwide |
| MEDNET Gold | Maternity Cover:
Normal Delivery: Up to AED 10,000
C-Section & Complications: Up to AED 10,000Waiting Period:
Maternity: Within 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access to hospital
Out-Patient Services:
Newborn Cover: Per DHA guidelines
Vaccinations (Adults): Covered
Physician Consultation: 20% Co-payIn-Patient Services:
Co-Payment: 20% on diagnostics
Private RoomAmbulance Service: Covered
Emergency Treatment: 100% covered cost
Pre-existing Conditions:
Declared: Sub-limit AED 150,000
Undeclared: Underwritten at renewalParent Accommodation for Child: Max AED 100/night (up to 16 years)
Repatriation of Mortal Remains: Up to AED 7,500
Diagnostics (X-RAY, MRI, CT-SCAN): 20% copay
Alternative Medicine: Covered up to AED 1,600 (reimbursement)
Dental and Gum Treatment: Covered in emergencies
Hearing and Vision Aid: Covered in emergencies
Physiotherapy Treatment: 20% copay
Region Coverage: Worldwide |
| NEXTCARE GN Platinum | Maternity Cover with inpatient and outpatient services:
Newborn cover for 30 days10% coinsurance
Emergency expenses coveredWaiting Period:
Maternity: 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access
Out-Patient Services:
Repatriation: Up to AED 15,000, reimbursementPrescribed Drugs and Dressings: Up to AED 10,000, 20% coinsurance
In-Patient Services:
Private Room
Pre-existing: Up to AED 150,000Hospital Accommodation: AED 400/day, prior approval
Cash Indemnity Benefit: Up to AED 300/night, max 10 nights, reimbursement
Other Services:
Home Nursing: Up to AED 7,500
Cancer Treatment: Per DHA terms
Vaccinations: Once per annum
Ambulance: CoveredDiagnostics (X-RAY, MRI, CT-SCAN): 20% copay
Psychiatry: Covered up to max AED 10,000
Alternative Medicine: Up to AED 2,000, 20% copay
Dental and Gum Treatment: Up to AED 3,000, 20% copay
Hearing and Vision Aid: 20% coinsurance, emergency only
Physiotherapy Treatment: 20 sessions per annum
Region Coverage: Worldwide |
| NAS - GN Diamond | Maternity Cover with inpatient services:
Covered with 10% coinsurance
Emergency expenses coveredWaiting Period:
Maternity: 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access to hospital
In-Patient Services: Private room
Ambulance Service: Covered
Parent Accommodation for child under 18 years: AED 400/day
Home Nursing: Up to AED 7,500, reimbursement
Pre-Existing and Chronic Conditions:
Covered up to AED 150,000
No waiting period with proof of continuity
6-month waiting period without proofOther Services:
Vision: Covered with 20% Co-pay, various sub-limits
In-Patient: Reimbursement up to AED 300/night, max 10 nights
Prescribed Drugs: Up to AED 10,000, 15% Co-Insurance
Cancer Treatment: Per DHA terms
Vaccinations: Per DHA guidelines
Organ Transplant: Recipient coverage, no donor or acquisition costs
Second Medical Opinion: Access to renowned providersRepatriation of Mortal Remains: Up to AED 15,000, reimbursement
Preventive Services: Per DHA Regulations
Vaccination for Children:
HCV Hepatitis C Virus Infection: Per DHA terms
Diagnostics (X-RAY, MRI, CT-SCAN): 10% Co-pay
Psychiatry:
Outpatient: Up to AED 3,000, 20% copay
Inpatient: Up to AED 10,000, reimbursementAlternative Medicine: Up to AED 2,000, reimbursement
Dental and Gum Treatment: 20% coinsurance
Hearing and Vision Aid: 20% coinsurance
Physiotherapy Treatment: 10 sessions per annum
Region Coverage: Worldwide |
| NEXTCARE GN+ Rhodium | Maternity Cover with inpatient and outpatient services:
Newborn cover up to 30 days from birth10% coinsurance
Emergency expenses up to annual limitWaiting Period:
Maternity: 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access
Out-Patient Services:
Repatriation of Mortal Remains: Up to AED 20,000, reimbursement
Prescribed drugs: Up to AED 15,000, 20% Co-InsuranceIn-Patient Services: Private room
Pre-Existing Conditions:
Covered up to AED 150,000
No waiting period with proof of continuity
6-month waiting period without proofHospital Accommodation: AED 450/day, prior approval
Cash Indemnity Benefit: Up to AED 300/night, max 10 nights, reimbursement
Other Services:
Home Nursing: Up to AED 7,500, reimbursement
Cancer Treatment: Per DHA terms
Vaccinations: Once per annum
Ambulance: Covered
Diagnostics: 20% Co-pay
Psychiatry: Up to max AED 10,000
Alternative Medicine: Up to AED 2,500, 20% Copay
Dental and Gum Treatment: Up to AED 3,000, 20% Co-pay
Hearing and Vision Aid: 20% coinsurance (emergency)
Physiotherapy: 20 sessions per annumRegion Coverage: Worldwide |
| NAS - CN Zumurrod | Maternity Cover:
10% coinsurance, max 15 visits, 8 ultrasound scans
In-patient: 10% co-payment, up to AED 20,000
Emergency coverage up to annual limitWaiting Period:
Maternity: 40 days not covered
PED & Chronic: No waiting periodHospital Access: Direct access to hospital
In-Patient Services: Private room
Ambulance Service: Covered
Parent Accommodation: AED 450/day
Home Nursing: Up to AED 7,500, reimbursement
Pre-Existing Conditions:
Covered up to AED 150,000
No waiting period with proof of continuity
6-month waiting period without proofOther Services:
Vision: 20% Co-pay, up to AED 1,500
In-patient (IP) Services: Up to AED 300/night, max 10 nights
Deductible per Consultation: 10% up to AED 35 for GP, 20% up to AED 75 for Specialists
Prescribed Drugs: Up to AED 15,000, 15% Co-Insurance
Cancer Treatment: Per DHA terms
Vaccinations: Per DHA guidelines
Organ Transplant: Covered for recipient, excluding donor costs
Second Medical Opinion: Access to renowned providers
Repatriation of Mortal Remains: Up to AED 20,000, reimbursement
Preventive Services: Per DHA Regulations
Vaccination for Children: covered
HCV Hepatitis C Virus Infection: Per DHA termsDiagnostics (X-RAY, MRI, CT-SCAN):
Covered with 10% Co-payPsychiatry:
Outpatient: Up to max AED 3,000/person/yr, 20% copay
Inpatient: Up to max AED 10,000/person/yrAlternative Medicine: Limited to AED 2,500/person/yr, 20% Copay
Dental and Gum Treatment: 20% coinsurance
Hearing and Vision Aid: 20% coinsurance
Physiotherapy Treatment: 10 sessions per member per annum
Region Coverage: Worldwide |
**Note:** All these rates/premiums are indicative and may change depending upon an individual applicant’s medical background/coverage requirement/plans, etc.
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[Takaful Emarat - Silver Classic (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-classic-auh/)
[Takaful Emarat - Silver Premium](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-premium/)
[Takaful Emarat - Silver Premium (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-premium-auh/)
[Takaful Emarat - Yaqoot](https://www.policybazaar.ae/health-insurance/takaful-emarat-yaqoot/)
[Takaful Emarat - Yaqoot AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-yaqoot-auh/)
[Takaful Emarat - Zumurrod](https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod/)
[Takaful Emarat - Zumurrod AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod-auh/)
## Key Benefits of Takaful Emarat Individual Health Insurance
The following are the key benefits of Takaful Emarat individual health insurance
**1\. Prescription Drugs Coverage**
* Coverage for prescription medications up to AED 15,000.
**2\. Physiotherapy Sessions**
* Access to up to 20 physiotherapy sessions each year.
**3\. Dental Benefits**
* Dental benefits of up to AED 3,000 with the convenience of direct billing at network dental providers.
**4\. Optional Optical Coverage**
* Choice to include optical coverage, providing up to AED 1,500 in coverage for optical expenses.
**5\. Ethical and Shariah-Compliant**
* Takaful Emarat insurance operates on ethical principles and is Shariah-compliant, ensuring that insurance practices align with Islamic values.
**6\. No Interest Charges**
* Unlike conventional insurance, Takaful Emarat does not charge interest, making it an interest-free alternative for those who want to avoid riba (usury).
## Eligibility Criteria for Takaful Emarat Individual Health Insurance
One can buy Takaful Emarat Individual Health Insurance if one fulfils the following eligibility criteria:
| Categories | Eligibility Criteria |
| --- | --- |
| Minimum Entry Age | 18 years |
## Related Health Insurance
[Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/)
[Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/)
[Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/)
[Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/)
[Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/)
[Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/)
## Inclusions of Takaful Emarat Individual Health Insurance
The general inclusions of Takaful Emarat Individual Health Insurance include (may vary on plan basis):
* In-Patient Services
* Hospital accommodation
* Tests and diagnostics
* Cost of medicine
* Alternative medicine
* Pathology, Chemotherapy, X-rays, etc.
* Pre-existing and chronic conditions
* Maternity benefits
## Exclusions of Takaful Emarat Individual Health Insurance
The general exclusions of Takaful Emarat Individual Health Insurance (may vary on plan basis):
* Cosmetic procedures
* Self-harm or suicide-related injuries.
* Injuries or illnesses resulting from illegal activities.
* Cash-indemnity benefit
Learn more about Takaful Emarat individual health insurance plans in the following frequently asked questions section.
## FAQ's
### Q1. What are hospital and clinical networks available for Takaful Emarat individual health insurance plans?
**Ans:** The hospital and clinical networks offered under Takaful Emarat individual health insurance plans are Nextcare RN3, Nextcare RN, Nextcare RN2, Nextcare GN, and Nextcare GN+.
### Q2. What is the territorial coverage scope for Takaful Emarat individual health insurance plans?
**Ans:** Almost all the plans from Takaful Emarat offer regional and international coverage.
### Q3. How long is Takaful Emarat individual health insurance plan valid for?
**Ans:** The health insurance plans from Takaful Emarat are active for 1 year.
### Q4. How to renew your health insurance plan?
**Ans:** You can effortlessly renew your Takaful Emarat individual health insurance plan via Policybazaar.ae.
### Q5. What services are generally included under maternity cover of Takaful Emarat individual health insurance plan?
**Ans:** The maternity benefit includes pre- and post-natal care, medically necessary C-section, pregnancy complications, normal delivery, and legally and medically essential terminations.
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