# Watania Takaful - Aafiya - Plan A **Published:** 2023-08-03 **Updated:** 2025-09-05 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/watania-takaful-aafiya-plan-a/ Watania Takaful Aafiya - Plan A ensures health insurance coverage for families, encompassing a wide range of medical services such as maternity care, outpatient/inpatient services, diagnostics costs etc. Watania Takaful offers flexibility and customizable features to tailor-fit your families’ needs and your budget. 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 NameAafiya - Plan A Cover AmountAED 75,000 Pharmacy LimitUpto AED 1,500 TPANAS ## Watania Takaful - Aafiya - Plan A Details Maternity Cover Out-patient Maternity Services Covered (12 months waiting period)Requires prior approval from the insurance company.10% Co-payment. PHC Visits to include reviews. (All Care provided by Primary Health care obstetrician for low risk or specialist obstetrician for high risk referrals.) In-patient Maternity Services 10% co-payment payable by the Policy Holder.Maximum benefit AED 7500 per delivery New Born Cover New born babies not covered must be enrolled from day 1 in a separate policy 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 Waiting period of 12 months 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:- Customer has to visit GP, after GP refers then customer can visit the specialist in clinics. Dental and Gum Treatment Co-Payment 20% Co-payment Covered Covered only if related to a medical emergency, subject to 20% co-payment Hearing and Vision Aids Co-Payment 20% Co-payment Covered Covered only if related to a medical emergency, subject to 20% co-payment Coverage Type GP Clinic Out-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy 20% Co-payment In-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization 20% Co-payment upto AED 1000 Room Type Shared Room Ambulance Service Ground transportation services in the UAE provided by an authorized party for medical emergencies. Companion Accomodation Covered up to AED 100 per nightCovered up to AED 100 per night Territorial Scope Of Coverage Coverage UAE Excluding Abu Dhabi & Al Ain EmiratesInsurance Coverage is only for Northern Emirates visa holders. Network Aafiya APNAafiya APN Other Services Laboratory Tests Covered Radiology diagnostic Covered Physiotherapy Treatment CoveredCoveredMaximum 10 sessions per year. Test, diagnosis, treatments related to surgeries in hospitals Prior approval required from the insurance company / TPA. Emergency Treatment Approval required from the insurance company within 24 hours of admission to the authorized hospital. Healthcare services for emergency cases Approval required from the insurance company within 24 hours of admission to the authorized hospital. Medication Co-Payment 0.3 Limit Maximum Limit AED 1500 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 Not Covered ## Watania Takaful - Aafiya - Plan A Added Network Hospitals Search Plan Name Plan Name Type Type Name Address NATIONAL HOSPTAL L.L.C (AL DANAH) ABU DHABI (Out Patient) (Hospitals) Behind Honda Showroom, Electra Street, Abu Dhabi, U.A.E. - 97126711000 DHA - Hatta Hospital (Out Patient) (Hospitals) 891 Hatta, Dubai UAE - 9.71E+11 AL AHLI HOSPITAL COMPANY LLC - BRANCH 1 PRVSLY AL AHALIA HOSPITAL (MUSSAFAH) ABU DHABI (In Patient) (Hospitals) M-24,Mussaffah, Near BMW Show Room - 97128119119 LLH HOSPITAL (ELECTRA ST) ABU DHABI (In Patient) (Hospitals) Al Marwa Tower, Electra Street - 97126335522 LLH HOSPITAL (MUSAFFAH) ABU DHABI (In Patient) (Hospitals) 16th, Street, SANAYYA 7, Industrial Area, Sector 43, M1 Musaffah, Abu Dhabi, UAE - 97125557711 Lifecare Hospital (Mafraq) Abu Dhabi (In Patient) (Hospitals) Gate 6, Al Raha Workers Village, Al Wathba, Baniyas, Al Mafraq - 97125856333 Lifecare Hospital (Mussafah) Abu Dhabi (In Patient) (Hospitals) M-24,Musaffah,Near Village Mall - Abu Dhabi - 97125557747 NMC Specialty Hospital (Electra Street) - Abu Dhabi (In Patient) (Hospitals) Zayed the First street, Madinath Zayed Area, Near Sama Tower - Abu Dhabi P.O.Box 46222, Abu Dhabi- UAE - 97126332255 New Medical Centre Speciality Hospital (Shakhboot Bin Sultan St) Al Ain (In Patient) (Hospitals) Opposite Baladiya Park, Shakhboot Bin Sultan Street, Near Ayla hotel, Al Ain - 97137555999 PHOENIX HOSPITAL L.L.C (In Patient) (Hospitals) M-10, Shabiyah, Musaffah - 97126151515 \*Network lists are subject to change as per the discretion of the Insurer. 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