Watania Takaful Critical Illness Health Insurance

A Shariah-compliant insurance company, Watania Takaful offers a plethora of health insurance plans to help individuals fulfil their health requirements without worrying about expenses. With its comprehensive health insurance plans, you can also avail of coverage for several critical diseases such as cancer, hepatitis C, and more.

Before knowing which plans offer these benefits, it is important to understand what a critical illness cover is. Let’s find out more about this cover as well as the top Watania Takaful health insurance plans covering the same in the following sections.

An Overview of Critical Illness Health Insurance

A critical illness health insurance plan provides additional coverage for critical medical emergencies such as heart attacks, cancer, stroke, Parkinson’s Disease, and more. This insurance coverage offers the much-needed financial safety cushion in case the policyholder faces a life-threatening disease.

When an insured individual is diagnosed with a critical illness, the insurance provider offers a lump sum amount that helps them undergo the treatment. With this cover, one can also have their lost income covered.

Reasons Why Critical Illness Health Insurance is Necessary

Listed below are the major reasons to opt for critical illness health insurance -

• Covers the Medical Expenses and Other Treatment Costs - With a critical illness health insurance plan in place, it becomes easier to cover the rising medical expenses, consultations, and hospitalisation, especially if the insured individual is the sole breadwinner. 
• Regain Your Lost Income - When diagnosed with a life-threatening disease, seeking medical help is extremely important. The expenses, however, can mount quickly in such cases, which can deplete the insured’s savings and income. Moreover, with critical illnesses, it can be challenging to continue working, which can lead to a loss of income. A critical insurance health insurance cover can offer full or fixed payments to help cover this loss of income. This way, you can also avoid or minimise the depletion of your savings.
• Support for Monthly Expenses - If you have responsibilities and liabilities like loan repayments, you can certainly be affected in terms of managing them due to your health issues and income loss owing to the critical illness. A critical insurance cover provides a fixed payout to handle these financial obligations without additional burden.
• Additional Financial Support - Critical insurance offers extra financial aid beyond your primary health insurance cover. It includes a wide range of disorders and illnesses that are not covered by basic health policies. As a result, you can deal with such serious medical conditions without being burdened by their hefty expenses.
• Affordable Premiums - Critical illness health insurance is now more accessible and affordable than commonly believed. Technological advancements and government regulations have made these policies easily available at reasonable rates.

Features of Critical Illness Health Insurance

Discussed below are the general features of critical illness health insurance -

• Comprehensive Coverage - A critical illness health insurance plan covers all the major life-threatening diseases including but not limited to stroke, cancer, heart attack, end-age renal failure, and so on.
• Income Replacement - This type of health insurance plan offers a payout to the insured individual so that they can handle their regular expenses and financial obligations.
• Avail of Lump Sum Payout - When the treatment is going on, the insured and their family can receive a lump sum payment from the insurance company, eliminating the excessive out-of-the-pocket expenses.
• Simple Application Process - It’s quite easy to apply for a critical illness health insurance plan, with minimal paperwork involved. This also extends to the claim settlement process, with most of the leading insurance providers having an easy process.

Major Illnesses Covered under Critical Illness Health Insurance

Listed below are the major common critical illnesses covered under critical illness health insurance plans-

• Stroke
• Heart attack
• Kidney failure
• Alzheimer’s disease
• Parkinson’s disease
• Muscle dystrophy

General Exclusions under Critical Illness Health Insurance Plans

Check out the general exclusions of critical illness health insurance plans -

• Critical illnesses diagnosed during the waiting tenure
• Dental treatments and cosmetic surgeries 
• Critical conditions associated with pregnancy and childbirth
• Conditions like HIV AIDS
• Illnesses due to self-harm, consumption of harmful substances, or suicide attempt
• Disorders or illnesses due to war, terrorism, military operations, etc.

Top Comprehensive Watania Takaful (Previously Noor Takaful) Health Insurance Plans

Let’s go through the top comprehensive Watania Takaful health insurance plans that may provide critical illness health insurance coverage -

Things to Take into Consideration When Applying for Health Insurance

To get the best critical illness health insurance plan for yourself, take the following points into consideration before applying -

• Sum Assured - Insurance experts suggest that it is better to go for a higher coverage amount to ensure that your financial burdens are handled smartly in case of an emergency. 
• Check the Sub-limits - Before making a decision to purchase a critical illness health insurance plan, it is essential to check for the sub-limits under your chosen plan(s). It is so because these limits affect the amount of coverage that you will get in real time for a specific medical benefit. 
• Type of Insurance Coverage You Opt for - A critical illness cover can be bought as a standalone policy as well as an add-on to your existing health insurance plan. To make a decision about it, go through the plan’s terms and conditions and carefully check the benefits provided. 
• Exclusions and Inclusions - To avoid the case where your claim is rejected because your condition is not covered under the plan, it’s necessary to check the inclusions and exclusions provided under a critical illness health insurance plan. Find out what different diseases are covered and what all is not included before making the final decision. 
• Renewal - Most health insurance plans in the UAE have a tenure of 1 year after which they need to be renewed. However, when it comes to critical illness health insurance, there might be a limit on the maximum age for policy renewal. 
• Age - This is yet another important factor that influences your critical illness health insurance purchase. Most critical illness health insurance providers have a maximum age limit, considering that health issues tend to increase with age. Due to this, critical illness insurance cover for seniors is usually more expensive than that for younger policy buyers. Thus, make sure that you buy an insurance plan that aligns with your age and health.

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