# Takaful Emarat - Iridium **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-iridium/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Takaful Emarat Iridium guarantees health insurance for you and your family, incorporating an extensive array of medical services, including but not limited to prescription drugs coverage, consultation costs, outpatient/inpatient services, and others. Takaful Emarat Iridium is designed with flexibility and personalized options to perfectly align with your family's unique requirements and financial preferences. 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 NameIridium Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 5,000 TPANextcare ## Takaful Emarat - Iridium Details Maternity Cover • Covered up to AED 12,500. In case of any emergency condition, the expenses will be covered up to the annual aggregate limit. • New born cover - up to 30 days from date of birth Waiting Period - This is the time span during which you cannot claim specified benefits from the insurer 40 days( any pregnancy, which arises within 40 calendar days from policy inception will be at the discretion of the insurer) Out-patient Maternity Services Covered subject to 10% coinsurance, and a maximum of 12 visits and 6 ante-natal ultrasound scans.Pregnancy at time of application should be declared in the medical application form and is subject to medical underwriting. Undeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if needed.Covered subject to 10% coinsurance, and a maximum of 12 visits and 6 anCovered subject to 10% coinsurance, and a maximum of 12 visits and 6 ante-natal ultrasound scans10% co-payment payable by the insured. (All Care provided by Primary Health care obstetrician for low risk or specialist obstetrician for high risk referrals.) In-patient Maternity Services Covered subject to 10% coinsurance, up to AED 12,500.In case of any condition developing intoan emergency, the medically necessary expenses will be covered up to the annual aggregate limit. Pregnancy at time of application should be declared in the medical application form and is subject to medical underwriting.Undeclared Pregnancy at time of application will not be covered during the policy period and will be underwritten at renewal if needed.10% co-payment payable by the insured.Covered subject to 10% coinsurance, up to AED 12,500. In case of any condition developing into an emergency, the medically necessary expenses will be covered upto the annual aggregate Limitt New Born Cover Vaccination for Children (as per DHA policies & its updates) includes the vaccinations and inoculations for new borns 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 Dental and Gum Treatment Co-Payment Covered up to AED 1500 subject to 20% Co-pay In-Network Covered Covered Hearing and Vision Aids Co-Payment 20% co-payment prior to approval. Covered OPTICALS : Covered subject to 20% Co-pay and up to AED 1000 in total and up the following sub-limits: AED 300 for Frames - one pair per year, AED 200 per pair per single vision lenses - once per year, AED 250 per pair per bifocal or tri-focal vision lenses - once per year, AED 300 for contact lenses per year. Usual customary rates (UCR) to be applied. Coverage Type Full Access Out-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy 10% up to AED 25/- for General Practitioners 20% up to AED 60/- for Specialists (Services are provided in authorized out-patient clinics of hospitals, clinics and health centers) Repatriation of Mortal Remains to Home Country Covered up to Maximum AED 10,000 per person per annum settled on Reimbursement basis with no co-pay Prescribed drugs and dressings Covered up to AED 5,000 subject to 0% Co-InsuranceCovered up to AED 5,000 subject to 15% Co-InsuranceCovered up to AED 5,000 subject to 20% Co-Insurance In-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization Nil co-payment (In-patient treatment at authorized hospitals) Room Type PrivatePrivate Room Ambulance Service Covered (Ground transportation services in the UAE provided by an authorized party for medical emergencies.) Companion Accomodation AED 350 per Day (The cost of accomodating a person accompanying an insured child up to the age of 16 years.)AED 350 per Day (The cost of accommodation of a person accompanying an in-patient in the same room in case of medical necessity at the recommendation of the treating doctor and after the prior approval of the insurance company providing coverage.) Pre-existing conditions Pre-existing & Chronic Conditions Subject to Medical Application Form (MAF) Covered up to a limit of AED 150,000 per member per year. All pre-existing medical conditions should be declared in the medical application form and is subject to medical underwriting, policy terms, conditions, benefits, and exclusions. Newly diagnosed medical condition during the policy period will not have a waiting period and is subject to policy terms, conditions, benefits, and exclusions. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal subject to policy terms, conditions, benefits, and exclusions. Hospital Accommodation and related Services AED 250 / day Hospital Accommodation subject to prior approval. Cash indemnity benefit Covered on Reimbursement up to AED 250 per night and a maximum of 10 nights.The Cash Indemnity claim must be submitted within 15 days after discharge from the hospital with a proof of hospitalization including a discharge summary. Territorial Scope Of Coverage Coverage WorldwideDUBAI & NORTHERN EMIRATES VISA HOLDERS Pre-Existing and Chronic Conditions All declared Pre-existing and Chronic conditions are covered up to a limit of AED 150,000/- Waiting Period 6 Months (Covered up to a limit of AED 150,000 per member per year. No waiting period applies if evidence of continuity of coverage is provided; otherwise a waiting period of 6 months applies to the first scheme membership.) Network NEXTCARE RN2 Other Services Radiology diagnostic Covered subject to 10% Co-pay Test, diagnosis, treatments related to surgeries in hospitals Prior approval required from the insurance compay / TPA. Emergency Treatment Covered (Approval required from the insurance company within 24 hours of admission to the authorized hospital.) Healthcare services for emergency cases Prior approval required from the insurance company (Prior approval required from the insurance company Where a pre-existing or chronic condition develops into an emergency within the 6-month exclusion preriod this must be covered up to the annual aggregate limit.) Home Nursing Covered (on reimbursement) up to Maximum AED 5,000 per person per annum Cancer Treatment Covered as per terms, conditions and exclusions of the program defined by DHA Vaccinations (Adults) Covered once per Annum Local road and air ambulance services Covered Medication Co-Payment Covered upto AED 5000 subject to 15% Co-Insurance (co-payment by the insured in respect of each and every prescription.) Limit Covered up to AED 5000 Description No cover for drugs and medicines in excess of the annual limit. Restricted to a list of formulary products where available at the physician and the pharmacist. Essential Vaccines & Preventive Services Co-Payment Covered Diagnostics (X-RAY, MRI, CT-SCAN) Covered subject to 0% Co-payCovered subject to 10% Co-payCovered subject to 20% Co-pay Psychiatry Covered up to max AED 10,000 Alternative medicine Limited to AED 2,500 per person per annum subject to 20% Copay No coinsurance is applicable if a follow-up visit is made within seven days The claims will be settled on reimbursement basis, and only from providers which are recognized and approved by Nextcare as alternative preferred providers - refer to Nextcare website for details Dental and gum treatment Covered up to AED 1,500/- subject to 20% Co-pay Hearing and Vision Aid Covered subject to 20% coinsurance Only In Emergency cases Physiotherapy Treatment 10 sessions per member per annum Region Coverage Worldwide ## 81 Takaful Emarat - Iridium Added Network Hospitals Search Plan Name Plan Name Type Type Name Address National Hospital - AUH (Hospitals) P.O.Box 30666, Najda, Eldorado Cinema, Electra Street, Najda Area - 26711000 Al Dhannah Hospital (Ex Al Ruwais Hospital - AUH) (Hospitals) Abu Dhabi, Ruwais, Near Ruwais Mall - 28007267 Das Hospital (Hospitals) Al Dhannah Island, P.O Box11876 - 2601031 Ahalia Hospital (Hospitals) Ahalia Hospital, Hamdan Street, P.O. Box - 2419 - 26262666 Al Ahli Hospital Company Llc-Branch 1 (Hospitals) Ahalia Hospital, Tariff Road , M-24, Mussafah, P.O. Box - 2419 - 28119119 Global Care Hospital (Hospitals) West 14-1, Building 419, Hazaa Bin Zayed The First Street, Al Manhal Area, Abu Dhabi,UAE - 2418 5100 Magrabi Speciality Hospital (Day Care Surgeries,Eye,Ear,Nose And Throat (Hospitals) Al Nakheel Tower, National bank of Oman, Hamdan Street, Baniyas street, Al Najda - 26345000 Magrabi Specialized Hospital Daycare Surgeries Eye,Ear,Nose, Throat Branch - Auh (Hospitals) Al Kheel Tower, Tiol Bank Of Oman, Hamdan Street, Baniyas Street, Al Jda - 22434064 Bareen International Hospital (Hospitals) Near Fatema Bent Mubark Mousque, Hamdan Street, Muroor Road, Mohammad Bin Zayed Area - 25545555 New Medical Centre Specialty Hospital Llc (Ex Nmc Specialty Hospital L.L.C Al Ain) (Hospitals) Opp. Police Head Quarter, Near Zayed School - 37555999 \*Network lists are subject to change as per the discretion of the Insurer. 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