# Takaful Emarat - Silver Classic **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-silver-classic/ Takaful Emarat Silver Classic 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 Silver Classic 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 NameSilver Classic Cover AmountAED 1,100,000 Pharmacy LimitUpto AED 1,000,000 TPAMEDNET ## Takaful Emarat - Silver Classic 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 Nil co-payment on diagnostics and Laboratory Tests10% co-payment on diagnostics and Laboratory Tests20% 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 Silver Classic Diagnostics (X-RAY, MRI, CT-SCAN) Covered with 20% copay per invoiceCovered with 0% copay per invoiceCovered with 10% copay per invoice Psychiatry Not Covered Alternative medicine 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 0% copay per invoiceCovered with 10% copay per invoiceCovered with 20% copay per invoice Region Coverage Worldwide ## 121 Takaful Emarat - Silver Classic Added Network Hospitals Search Plan Name Plan Name Type Type Name Address Mediclinic Hospitals L.L.C. (Airport Road Hospital) / MF2270 , Remarks (Dental Is Covered Upto Green Network Only. // Dr. Marc Francis Sinclair (Consultant-Paediatric Orthopedic Surgeon) - Mediclinic Will Be Collecting Additional Payment Towards His Consultation Fee From The Patients Directly. This Extra Amount Is Not A Subject For Reimbursement And Mednet Will Only Pay The Agreed Consultant Rates With Mediclinic.) (Hospitals) Airport Road, Shk. Mohd Bin Butti Bldg. - 02-4944813 Magrabi Specialized Hospital- Branch (Hospitals) Al Khaleej Al Arabi Street, Al Mushrif - 02-4446565 Magrabi Eye & Ear Center (Hospitals) Baniyas Street, Al Nakheel Tower - 02-6345000 Lifecare Hospital , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Baniyas Street, Wathba, Gate No. 6 Al Raha Village - 02-5856333 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 LLH Hospital L.L.C./MF1954 (Form Lifeline Hospital) , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Electra Street, Al Marwa Building - 02-6335522 Ahalia Hospital (Hospitals) Hamdan Street, Opposite Bank Of Baroda. - 02-6262666 Al Ahalia Hospital LLC - Musaffa Branch / MF3107 (Hospitals) Mussafah - 02-8119119 LLH Hospital Al Musaffah LLC , Remarks (Silk Road OP Is Covered For The DXB/NE Al Futtaim Group Policy Holder For The OP/IP) (Hospitals) Mussafah, Ali Kahbous Al Zaabi - 02-5557711 \*Network lists are subject to change as per the discretion of the Insurer. 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