# Takaful Emarat - Marjan **Published:** 2023-08-03 **Updated:** 2025-09-04 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-marjan/ With Takaful Emarat Marjan, your family's health insurance needs are fully taken care of. This plan encompasses a broad spectrum of medical services, including psychiatry, alternative medicines, physiotherapy treatment, hearing and vision aids, doctor's consultations, and more. 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 NameMarjan Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 5,000 TPANAS ## Takaful Emarat - Marjan Details Maternity Cover Covered subject to 10% coinsurance, and a maximum of 10 visits and 4 ante-natal ultrasound scans. In-patient Maternity Services Covered subject to 10% coinsurance, up to AED 10,000. In case of any condition developping into an emergency, the medically necessary expenses will be covered up to the annual aggregate limit. 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 Referral procedure to be followed:- Direct access to specialist in the clinincs Coverage Type Specialist Clinic In-Patient Services Room Type Private Ambulance Service Covered Parent Accommodation for child under 18 years AED 150 / day Accommodation of an accompanying person in the same room AED 150 / day Home Nursing Not Covered Pre-Existing and Chronic Conditions \- This is the time span during which you cannot claim specified benefits from the insurer Pre-existing & Chronic Conditions Subject to Medical Application Form (MAF)Where a pre-existing or chronic condition develops into an emergency within the 6 month exclusion period this must be covered up to the annual aggregate limit.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. All pre-existing medical conditions should be declared in the medical application form and is subject to medical underwriting. Newly diagnosed medical condition during the policy period will not have a waiting period. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.Coverage of Pre-existing & Chronic Conditions is subject to policy terms, conditions, benefits, and exclusions Network NAS - WN (OP restricted to Clinics) Other Services Vision Not Covered In-patient (IP Services) Covered on Reimbursement up to AED 200 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. Deductible per Consultation 10% up to AED 15/- for General Practitioners20% up to AED 25/- for Specialists Prescribed Drugs & Medicines Covered up to AED 5,000 subject to 15% Co-Insurance Cancer Treatment Covered as per terms, conditions and exclusions of the program defined by DHA Vaccinations (Adults) Covered as per DHA Adult Pneumococcal Conjugate Vaccination guidelines Organ transplant Organ transplantation shall cover the organ transplantation as recipient excluding any cost related to donor and excluding the acquisition and organ cost Organs covered are: heart, lung, kidney, pancreas, liver, Allogeneic & autologous bone marrow. Second Medical Opinion Not Covered Repatriation of Mortal Remains to Home Country Covered up to Maximum AED 5,000 per person per annum settled on Reimbursement basis with no co-pay Preventive services As per DHA Regulations Vaccination for Children Inside Network: 100% of Actual Cost Outside Network : Covered on Network UCR Rates HCV Hepatitis C Virus Infection Covered as per terms, conditions and exclusions of the program defined by DHA Within the Network Direct billing available. Reimbursement is also possible but will be settled at 80% of the usual & customary rates of the selected Network. Outside the Network in Countries where NAS is not present Reimbursement at 100% of actual costs (subject to be reasonable) or 100% of the usual & customary rates of the network, whichever is less Outside the Network in Countries where NAS is present Reimbursement at 80% of actual costs (subject to be reasonable) or 80% of the usual & customary rates of the network, whichever is less Diagnostics (X-RAY, MRI, CT-SCAN) Covered subject to 10% Co-pay Psychiatry Not Covered Alternative medicine Not Covered Dental and gum treatment Only in emergency Cases Hearing and Vision Aid Only in emergency cases Physiotherapy Treatment 6 sessions per member per annum Region Coverage Worldwide ## 40 Takaful Emarat - Marjan Added Network Hospitals Search Plan Name Plan Name Type Type Name Address ADNOC - AL DHANNAH HOSPITAL - ABU DHABI (AL RUWAIS HOSPITAL) (Hospitals) Al Ruwais, Al Dhafra Region - 505917663 AL AHLI HOSPITAL COMPANY LLC - BRANCH 1 PRVSLY AL AHALIA HOSPITAL (MUSSAFAH) ABU DHABI (Hospitals) M-24,Mussaffah, Near BMW Show Room - 97128119119 Al Ahalia Hospital (Hamdan St) Abu Dhabi (Hospitals) Hamdan Street, Abu Dhabi - 97126262666 BURJEEL ROYAL HOSPITAL ASHAREJ (BID BIN AMMAR) AL AIN (PRE BURJEEL FARHA HOSPITAL) (Hospitals) Ashraj District, Bida Bin Ammer Road, 17th Street, Al Ain - 506270372 Bareen International Hospital (M.B.Z. City) Abu Dhabi (Hospitals) Next to Shaikah Fatima Bint Mubarak Mosque, Z-15, Mohammad Bin Zayed City - Abu Dhabi - 97125545554 DAS HOSPITAL (DAS ISLAND) ABU DHABI (Hospitals) DAS Island, Abu Dhabi, UAE - 9717071271 Emirates International Hospital (Al Jimi) Al Ain (Hospitals) Al Jimi, Al-Ain - 97137637252 LLH HOSPITAL (ELECTRA ST) ABU DHABI (Hospitals) Al Marwa Tower, Electra Street - 551990045 LLH HOSPITAL (MUSAFFAH) ABU DHABI (Hospitals) 16th, Street, SANAYYA 7, Industrial Area, Sector 43, M1 Musaffah, Abu Dhabi, UAE - 502064135 Lifecare Hospital (Mafraq) Abu Dhabi (Hospitals) Gate 6, Al Raha Workers Village, Al Wathba, Baniyas, Al Mafraq - 555875267 \*Network lists are subject to change as per the discretion of the Insurer. ### **Health Insurance Popular Searches** [Health Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Dubai Health Insurance Cost](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Health Insurance Plans for Family](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [How to check Medical Insurance status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/) Other Takaful Emarat Health Insurance Plans [Takaful Emarat - 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