# Takaful Emarat Senior Citizen Health Insurance **Published:** 2023-12-06 **Updated:** 2026-07-29 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-senior-citizens-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, a prominent name in the UAE insurance industry, extends a thoughtful and compassionate approach to addressing the healthcare needs of senior citizens. Recognising the unique challenges and concerns that come with ageing, the company offers Takaful Emarat senior citizen health insurance to provide tailored health insurance solutions to older individuals. 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. With the comprehensive healthcare plans of Takaful Emarat Insurance, senior citizens can find reassurance in knowing that their health is protected, their finances are secure, and they have access to high-quality healthcare services. ## Key Benefits of Takaful Emarat Senior Citizen Health Insurance Here are the key benefits of Takaful Emarat senior citizen health insurance - * Enjoy comprehensive prescription drug coverage of up to AED 15,000. * Receive support for your physical well-being with coverage for up to 20 physiotherapy sessions per year. * Access dental care with ease and benefit from coverage of up to AED 3,000 for dental benefits, featuring direct billing at network providers. * Access the optional optical coverage for additional peace of mind. This cover offers benefits of up to AED 1,500 for vision-related expenses. ## Takaful Emarat Senior Citizen Health Insurance Plans The following table shows the Takaful Emarat Health Insurance plan available for senior citizens - | Plan Name | Medical Cover (AED) | Pharmacy Limit (AED) | | --- | --- | --- | | Silk Road (AUH) | 1,000,000 | Up to Medical Cover | | Emerald (AUH) | 1,000,000 | Up to Medical Cover | | Silver (AUH) | 250,000 | Up to 5,000 | | Opal (AUH) | 300,000 | Up to 5,000 | | Green (AUH) | 1,000,000 | Up to Medical Cover | | Iridium (AUH) | 300,000 | Up to 5,000 | | Marjan (AUH) | 250,000 | Up to 5,000 | | Silver Classic (AUH) | 1,000,000 | Up to Medical Cover | | Silver Premium (AUH) | 1,000,000 | Up to Medical Cover | | Yaqoot (AUH) | 500,000 | Up to 7,500 | | Gold AUH (Mednet Gold) | 1,000,000 | Up to Medical Cover | | Gold AUH (NEXTCARE RN) | 500,000 | Up to Medical Cover | | Diamond (AUH) | 750,000 | Up to 10,000 | | Platinum (AUH) | 750,000 | Up to 10,000 | | Zumurrod (AUH) | 1,000,000 | Up to 15,000 | | Rhodium (AUH) | 1,000,000 | Up to 10,000 | More Takaful Emarat Health Plans [Takaful Emarat - Diamond](https://www.policybazaar.ae/health-insurance/takaful-emarat-diamond/) [Takaful Emarat - Diamond AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-diamond-auh/) [Takaful Emarat - ECARE BLUE](https://www.policybazaar.ae/health-insurance/takaful-emarat-ecare-blue/) [Takaful Emarat - Emerald](https://www.policybazaar.ae/health-insurance/takaful-emarat-emerald/) [Takaful Emarat - Emerald (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-emerald-auh/) [Takaful Emarat - Gold](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold/) [Takaful Emarat - Gold (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold-auh/) [Takaful Emarat - Gold Plus](https://www.policybazaar.ae/health-insurance/takaful-emarat-gold-plus/) [Takaful Emarat - Green](https://www.policybazaar.ae/health-insurance/takaful-emarat-green/) [Takaful Emarat - Green (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-green-auh/) [Takaful Emarat - Iridium](https://www.policybazaar.ae/health-insurance/takaful-emarat-iridium/) [Takaful Emarat - Iridium AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-iridium-auh/) [Takaful Emarat - Marjan](https://www.policybazaar.ae/health-insurance/takaful-emarat-marjan/) [Takaful Emarat - Marjan AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-marjan-auh/) [Takaful Emarat - Opal](https://www.policybazaar.ae/health-insurance/takaful-emarat-opal/) [Takaful Emarat - Opal AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-opal-auh/) [Takaful Emarat - Platinum](https://www.policybazaar.ae/health-insurance/takaful-emarat-platinum/) [Takaful Emarat - Platinum AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-platinum-auh/) [Takaful Emarat - Rhodium](https://www.policybazaar.ae/health-insurance/takaful-emarat-rhodium/) [Takaful Emarat - Rhodium AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-rhodium-auh/) [Takaful Emarat - Silk Road](https://www.policybazaar.ae/health-insurance/takaful-emarat-silk-road/) [Takaful Emarat - Silk Road (AUH)](https://www.policybazaar.ae/health-insurance/takaful-emarat-silk-road-auh/) [Takaful Emarat - Silver](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver/) [Takaful Emarat - Silver AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-auh/) [Takaful Emarat - Silver Classic](https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-classic/) [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/) ## Eligibility Criteria for Takaful Emarat Senior Citizen Health Insurance Elderly individuals can buy Takaful Emarat senior citizen health insurance if they fulfil the following eligibility criteria - | Categories | Eligibility Criteria | | --- | --- | | Maximum Entry Age | 99 years | ## Inclusions of Takaful Emarat Senior Citizen Health Insurance The general inclusions of Takaful Emarat Senior Citizen Health Insurance are as follows - * In-Patient Services - including ambulance, repatriation, and more * Pre-existing and chronic conditions * Prescribed drugs and medicine * Organ transplant * Vaccination of Children * Repatriation of mortal remains to home country * Diagnostics ## Exclusions of Takaful Emarat Senior Citizen Health Insurance The general exclusions of Takaful Emarat senior citizen health insurance plans are - * Psychiatry * Home Nursing * Hearing and Vision Aids (included only in emergency cases) * Cosmetic procedures Have a look at some frequently asked questions related to Takaful Emarat senior citizen health insurance - ## FAQ's ### Q1. Who is a senior citizen in Dubai and the UAE? **Ans:** In Dubai and the UAE, anyone who is 60 years of age or older, whether they are a resident or national, is considered a senior citizen. ### Q2. What are pre-existing conditions, and why are they important when choosing health insurance for senior citizens? **Ans:** Pre-existing conditions are medical conditions or illnesses that a person has before applying for a health insurance plan. These conditions can also include signs and symptoms suggestive of an undiagnosed illness. Such conditions can impact the cost of the plan, with insurance companies usually charging higher premiums for individuals with pre-existing conditions. It's essential to declare these conditions to assess coverage accurately. Additionally, it's important to check the sub-limit, which is the maximum amount the insurance company will cover for the treatment of pre-existing conditions. ### Q3. What are sub-standard terms, and how can they affect a senior's insurance plan? **Ans:** Sub-standard terms are special conditions or deals offered by some insurance companies to seniors who may have more health problems and are at higher risk of filing claims. These terms may include higher premiums, limitations on coverage, or defined sub-limits. Seniors should carefully consider these terms as they can impact the cost and benefits of the insurance plan. ### Q4. What is a waiting period in health insurance, and why is it important to inquire about it? **Ans:** This is a period during which certain parts of a health insurance plan do not become effective immediately after enrollment. For instance, if there is a waiting period of 6 months for pre-existing coverage, the plan won’t cover any issues related to pre-existing conditions for the first six months. It's important to ask the insurance company about waiting periods before signing up for a plan to ensure that needed benefits start right away. ### Q5. What is copayment or coinsurance in health insurance, and why should seniors consider it when choosing a plan? **Ans:** Copayment or coinsurance refers to the cost-sharing arrangement between the insured individual and the insurance company. It involves paying a portion of the medical expenses out of pocket by the former. It's important for seniors to understand copayment or coinsurance terms before choosing a plan, as it directly affects their expenses when seeking medical care. Being aware of these costs helps seniors budget for their healthcare needs. ### Q6. What benefits should seniors look for when selecting health insurance, and why are they important? **Ans:** Senior citizens should seek health insurance plans that cater to their specific requirements, which may include coverage for pre-existing conditions and frequent doctor visits. These benefits ensure that seniors receive adequate healthcare support tailored to their requirements, reducing the financial burden associated with age-related health issues. ### Q7. What is a wellness program in health insurance, and how should seniors evaluate its inclusion in a plan? **Ans:** A wellness program in health insurance helps seniors stay healthy and prevent illness. Some plans include wellness programs as a benefit, covering check-ups and preventative care. Seniors should consider if paying for a plan with a wellness program is worth the higher premium and whether the program aligns with their health requirements and requirements. ## You May Also Know About Health guide: * [Asthma](https://www.policybazaar.ae/health-insurance/articles/everything-you-need-to-know-about-asthma/) * [Chickenpox](https://www.policybazaar.ae/health-insurance/articles/chickenpox-symptoms-causes-treatment-prevention-and-insurance/) * [Kidney Cancer](https://www.policybazaar.ae/health-insurance/articles/kidney-cancer-symptoms-risk-factors-treatment-prevention-and-insurance-options/) * [Tuberculosis (TB)](https://www.policybazaar.ae/health-insurance/articles/medical-insurance-plans-for-tuberculosis/) * [Infectious Diseases](https://www.policybazaar.ae/health-insurance/articles/infectious-diseases-types-symptoms-causes-treatment-and-insurance/) * [Cardiovascular Diseases](https://www.policybazaar.ae/health-insurance/articles/cardiovascular-diseases-symptoms-causes-treatment-and-insurance-options/) * [Liver Cirrhosis](https://www.policybazaar.ae/does-health-insurance-cover-liver-cirrhosis-hiart/) * [Liver Cancer](https://www.policybazaar.ae/health-insurance/articles/liver-cancer-symptoms-risk-factors-treatments-and-insurance-options/) * [Organ Transplant](https://www.policybazaar.ae/critical-illness-insurance-for-organ-transplant-hiart/) * [Gastrointestinal Diseases](https://www.policybazaar.ae/health-insurance/articles/gastrointestinal-diseases-symptoms-causes-treatment-and-insurance/) * [Psychological Disorders](https://www.policybazaar.ae/does-health-insurance-cover-psychological-disorders-hiart/) * [Lung Cancer](https://www.policybazaar.ae/health-insurance/articles/lung-cancer-risk-factors-diagnosis-treatment-and-insurance-options/) * [Stroke](https://www.policybazaar.ae/health-insurance/articles/best-critical-health-insurance-plan-for-stroke/) * [Breast Cancer](https://www.policybazaar.ae/health-insurance/articles/breast-cancer/) * [Depression](https://www.policybazaar.ae/health-insurance/articles/what-is-depression/) * [Skin Cancer](https://www.policybazaar.ae/health-insurance/articles/skin-cancer/) ### **Health Insurance Popular Searches** [Health Insurance](https://www.policybazaar.ae/health-insurance/) | [Health Insurance Cost in Dubai](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Family Health Insurance](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/) **You May Also Know -** [Car Insurance UAE](https://www.policybazaar.ae/car-insurance/) | [Vehicle insurance status check online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) | [Third Party Car Insurance](https://www.policybazaar.ae/third-party-car-insurance-cic/) | [Comprehensive Car Insurance](https://www.policybazaar.ae/comprehensive-car-insurance-cic/)