# Takaful Emarat - Zumurrod **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod/ Safeguard your family's health with Takaful Emarat Zumurrod, a health insurance package that covers an extensive range of medical services, encompassing maternity care, medication, pre-existing and chronic conditions, diagnostics costs, and much more. This highly customizable Takaful Emarat Zumurrod is designed to adapt to your family's specific needs and health conditions. 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 NameZumurrod Cover AmountAED 1,000,000 Pharmacy LimitUpto AED 15,000 TPANAS ## Takaful Emarat - Zumurrod Details Maternity Cover Covered subject to 10% coinsurance, and a maximum of 15 visits and 8 ante-natal ultrasound scans. In-patient Maternity Services Covered subject to 10% coinsurance, up to AED 20,000. In case of any condition developping into an emergency, the medically necessary expenses will be covered up to the annual aggregate limit..10% co-payment payable by the insured. 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 In-Patient Services Room Type Private Ambulance Service Covered Parent Accommodation for child under 18 years AED 450 / day Accommodation of an accompanying person in the same room AED 450 / day Home Nursing Covered (on reimbursement) up to Maximum AED 7,500 per person per annum 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 preexisting 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-CN Other Services Vision Covered subject to 20% Co-pay and up to AED 1,500 in total and up the following sub-limits: AED 350 for Framesone pair per year. AED 250 per pair per single vision lenses - once per year.AED 300 per pair per bifocal or tri-focal vision lenses - once per year.AED 350 for contact lenses per year In-patient (IP Services) Covered on Reimbursement up to AED 300 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 20% up to AED 75/- for Specialists10% up to AED 35/- for General Practitioners Prescribed Drugs & Medicines Covered up to AED 15,000 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 This benefit gives members access through respective TPA mobile application to world renowned providers to re-evaluate their earlier diagnosis, medical history and treatment plan for non-emergency cases. Repatriation of Mortal Remains to Home Country Covered up to Maximum AED 20,000 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 100% of actual costs (subject to be reasonable) or 100% of the usual & customary rates of the network, whichever is less Diagnostics (X-RAY, MRI, CT-SCAN) Covered subject to 10% Co-pay Psychiatry Outpatient Covered up to Maximum AED 3,000/- per person per annum subject to 20% copay. IN Patient Covered up to Maximum AED 10,000/- per person per annum Alternative medicine Limited to AED 2,500 per person per annum Dental and gum treatment Covered subject to 20% coinsurance Hearing and Vision Aid Covered subject to 20% coinsurance Physiotherapy Treatment 10 sessions per member per annum Region Coverage Worldwide ## 158 Takaful Emarat - Zumurrod 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 Ain Al Khaleej Hospital (Al Jimi) Al Ain (Hospitals) Hamdan Bin Mohammad Street, Behind Al Jimi Mall, Al Jimi - Al Ain - 97137133333 Al Ahalia Hospital (Hamdan St) Abu Dhabi (Hospitals) Hamdan Street, Abu Dhabi - 97126262666 BURJEEL MEDICAL CITY LLC (MOHAMMED BIN ZAYED) ABU DHABI (Hospitals) BURJEEL MEDICAL CITY, MOHOMMED BIN ZAYED CITY ABU DHABI UAE - 543069945 BURJEEL ROYAL HOSPITAL (SHEIKH KHALIFA BIN ZAYED RD.) AL AIN (Hospitals) Sheikh Khalifa Bin Zayed Road, behinde Golden sheep restaurant - Al Ain - 506270372 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 Burjeel Hospital (Najdah St.) Abu Dhabi (Hospitals) Beside Dar Al Shifa Hospital, Junction Fatima Bint Mubarak (Najdah) Street with Hazza Bin Zayed Street - Abu Dhabi - 563331685 Cleveland Clinic - Abu Dhabi (Hospitals) Al Maryah Island, Abu Dhabi - 97125019000 \*Network lists are subject to change as per the discretion of the Insurer. Other Takaful Emarat Health Insurance 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 AUH](https://www.policybazaar.ae/health-insurance/takaful-emarat-zumurrod-auh/) ### **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/) Top Hospitals in UAE [Al Garhoud Private Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-garhoud-private-hospital/) [Al Khaleej Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-khaleej-hospital/) [Al Mafraq Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-mafraq-hospital-abu-dhabi/) [Al Noor Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-noor-hospital-abu-dhabi/) [Al Qassimi Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-qassimi-hospital/) [Al Rahba Hospital Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/al-rahba-hospital-abu-dhabi/) [Al Wasl Hospital](https://www.policybazaar.ae/health-insurance/hospitals/al-wasl-hospital/) [American Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/american-hospital-dubai/) [Aster Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/aster-hospital-dubai/) [Cleveland Clinic Abu Dhabi](https://www.policybazaar.ae/health-insurance/hospitals/cleveland-clinic-abu-dhabi/) [Dubai Hospital](https://www.policybazaar.ae/health-insurance/hospitals/dubai-hospital/) [Kings College Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/kings-college-hospital-dubai/) [Lifeline Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-dubai/) [Lifeline Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/lifeline-hospital-sharjah/) [Medeor Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/medeor-hospital-sharjah/) [NMC Specialty Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/nmc-specialty-hospital-dubai/) [Oasis Hospital](https://www.policybazaar.ae/health-insurance/hospitals/oasis-hospital/) [Rashid Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/rashid-hospital-dubai/) [Saudi German Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-ajman/) [Saudi German Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/saudi-german-hospital-dubai/) [Sheikh Khalifa Medical City](https://www.policybazaar.ae/health-insurance/hospitals/sheikh-khalifa-medical-city/) [Thumbay Hospital Ajman](https://www.policybazaar.ae/health-insurance/hospitals/thumbay-hospital-ajman/) [University Hospital Sharjah](https://www.policybazaar.ae/health-insurance/hospitals/university-hospital-sharjah/) [Zulekha Hospital Dubai](https://www.policybazaar.ae/health-insurance/hospitals/zulekha-hospital-dubai/)