Takaful Emarat - Silver
With Takaful Emarat Silver, 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.
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AED 1 million Health cover starting @4/Day
Self Only
Both Self and Family
Family without Self
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Cover Up to 37 Critical Illnesses
Covid-19 Covered
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Plan Summary
Plan NameSilver
Cover AmountAED 1,000,000
Pharmacy LimitUpto AED 5,000
TPANextcare
Takaful Emarat - Silver Details
Maternity Cover
Covered up to AED 10,000 for normal delivery & up to AED 10,000 for caesarean section
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
10% co-payment payable by the Policy Holder. 8 Check-ups + 3 ante-natal ultrasound scans are covered at the Primary Health Care Centre. (All Care provided by Primary Health care obstetrician for low risk or specialist obstetrician for high risk referrals.)Covered subject to 10% coinsurance, and a maximum of 10 visits and 4 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.Requires prior approval from the insurance company.Where any condition develops which becomes an emergency, the medically necessary expenses will be covered up to the annual aggregate limit subject to declaration.
In-patient Maternity Services
Maximum benefit AED 7,000 per normal delivery, AED 10,000 for medically necessary C-section, complications and for medically necessary termination (All limits include co-payment).10% co-payment payable by the insured.Covered subject to 10% coinsurance, up to AED 10,000 for normal delivery and up to AED 10,000 for medically necessary C-Section, termination and complications.In cas of any condition developing into an 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.
New Born Cover
Cover from 30 days from birth BCD, Hepatitis B and neo-natal screening test.
Waiting Period
Maternity Waiting Period
any pregnancy, which arises within forty calendar days from the date of policy issuance, shall not be covered under this policy under any condition
Chronic Condition Waiting Period
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
Hospital Access
Referral procedure to be followed:- Direct access to specialist in the clinincs
Dental and Gum Treatment
Co-Payment
20% co-payment.
Covered
In case of emergency only.
Hearing and Vision Aids
Co-Payment
20% co-payment.
Covered
In case of emergency only.
Coverage Type
Clinic With Specialist
Out-Patient Services
Co-Payment - 10% Diagnostic co pay
20% upto 25 AED specialist and 10% upto 15 AED for GP
Repatriation of Mortal Remains to Home Country
Not Covered
Prescribed drugs and dressings
Covered up to AED 5,000 subject to 15% Co-InsuranceCovered up to AED 5,000 subject to 20% CoInsuranceCovered up to AED 5,000 subject to 0% Co-Insurance
In-Patient Services
Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization
Covered
Room Type
Semi-Private ToomSemi-Private
Ambulance Service
Ground transportation services in the UAE provided by an authorized party for medical emergencies.
Companion Accomodation
Maximum AED 100 per night. (The cost of accomodating a person accompanying an insured child up to the age of 16 years.)Maximum AED 100 per night. (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 150 / day Hospital Accommodation subject to prior approval.
Cash indemnity benefit
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.
Territorial Scope Of Coverage
Coverage
United Arab Emirates. Coverage Extended to South East Asia only for Inpatient Treatments as per 100% UAE customary ratesInsurance Coverage is only for Dubai 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 (Treatment for chronic and pre-existing conditions excluded for first 6 months of first scheme membership. After 6 months covered to the annual policy limit subject to declaration)
Network
NEXTCARE RN3
Other Services
Radiology diagnostic
In Case of non-medical emergiencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies.
Test, diagnosis, treatments related to surgeries in hospitals
Prior approval required from the insurance compay / TPA.
Emergency Treatment
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
Not covered
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
15% co-payment (co-payment by the insured in respect of each and every prescription.)
Limit
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 20% Co-payCovered subject to 10% Co-payCovered subject to 0% 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
Not Covered
Hearing and Vision Aid
Covered subject to 20% coinsurance Only In Emergency cases
Physiotherapy Treatment
8 sessions per member per annum
Region Coverage
Worldwide
Related Health Insurance
43 Takaful Emarat - Silver Added Network Hospitals
Name
Address
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
Phoenix Hospital L.L.C. (Ex Al Bustan Specialty Hospital L.L.C.) (Hospitals)
Plot - 1, M-10, Shabiyah, Musaffah, P.O. Box - 2419 - 26151515
Al Ruwais Hospital - AUH (Hospitals)
Abu Dhabi, Ruwais, Near Ruwais Mall - 8007267
Al Salama One Day Surgery Center - AUH (Hospitals)
Al Salama One Day Surgery Center Bldg, Opposite Al Roashid Mosque, Sector-7, Baniyas East, Abu Dhabi - 5047900
Bareen International Hospital (Hospitals)
Near Fatema Bent Mubark Mousque, Hamdan Street, Muroor Road, Mohammad Bin Zayed Area - 25545555
Life Line Hospital Al Musafah L.L.C (ex- Lifeline Hospital - Day Care Surgery) (Hospitals)
Po Box No: 92313,16Th, Street, Sanayya – 7, Industrial Area, Musaffah, Abu Dhabi, United Arab Emirates (Uae) - 80055
Lifecare Hospital - LLC - AUH (Hospitals)
Near Al Raha Village, Mafraq,Baniyas - 80055
Lifecare Hospital Musaffah - Branch 1 (Hospitals)
M-24, Near Workers Village Opposite Adnoc Petrol Pump, Musaffah - 80055
LifeLine Hospital (Hospitals)
Al Marwa Tower, Electra Street Abu Dhabi - 80055
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