# Watania Takaful - Dependent **Published:** 2023-08-03 **Updated:** 2025-09-09 **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/watania-takaful-dependent/ Watania Takaful Dependent guarantees health insurance for you and your family, incorporating an extensive array of medical services, including but not limited to prescription drugs coverage, consultation costs, outpatient/inpatient services, and others. Watania Takaful Dependent is designed with flexibility and personalized options to perfectly align with your family's unique requirements and financial preferences. 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 NameDependent Cover AmountAED 150,000 Pharmacy LimitUpto AED 2,500 TPANAS ## Watania Takaful - Dependent Details Maternity Cover Waiting Period - This is the time span during which you cannot claim specified benefits from the insurer 6 months( any pregnancy, which arises within 6 months from policy inception will be at the discretion of the insurer) Out-patient Maternity Services Where any condition develops which becomes an emergency, the medically necessary expenses will be covered up to the annual aggregate limit subject to declaration.Requires prior approval from the insurance company.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.) In-patient Maternity Services 10% co-payment payable by the insured.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). New Born Cover Cover from 30 days from birth BCD, Hepatitis B and neo-natal screening test. Waiting Period Maternity Maternity Waiting Period 6 months No waiting period for maternity coverage upon payment of an additional premium, as per underwriting guidelines – coverage begins from Day 1. Chronic Condition Chronic Conditions waiting period 6 month Pre-existing diseases (PED) Pre-existing diseases (PED) waiting period 6 months 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. 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 GP Clinic Out-Patient Services Co-Payment - This is what you'll pay your health provider when claiming with this policy 20% co-payment upto AED 500. Aggregate Co-payment upto AED 1000 (Services are provided in authorized out-patient clinics of hospitals, clinics and health centers) 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 500. Aggregate Co-payment upto AED 1000 (In-patient treatment at authorized hospitals) Room Type Semi-Private Room 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.) 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 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 NAS-VN Other Services Laboratory Tests Radiology diagnostic In Case of non-medical emergiencies, the insurance company's prior approval is required for MRI, CT scans and endoscopies. Physiotherapy Treatment 20% co-payment.Prior approval of the insurance company is required.Maximum 6 sessions per year. 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.) Medication Co-Payment 30% co-payment (co-payment by the insured in respect of each and every prescription.) Limit AED 2,500 Annually 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 ## 29 Watania Takaful - Dependent 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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