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.read more

Worldwide Coverage

Wide Choices

Expert Advice

Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 05 September 2025Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

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.