Watania Takaful Health Insurance Plans

• Coverage for NE visa holders in the Northern Emirates of the UAE
• Employees (including domestic workers) with a salary up to AED 15,000 along with their spouses (male, female) and children are eligible for this plan
• In-patient healthcare services covered up to AED 100,000 with no coinsurance
• Out-patient healthcare services covered up to AED 50,000
• Coverage for maternity services - up to AED 10,000 for married females aged 18 to 45 (subject to a 10% copayment and prior approval)
• Coverage for diagnostic and treatment services for dental and gum treatments related to a medical emergency with a 20% co-payment

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• Coverage up to AED 150,000 (excluding co-takaful and deductibles).
• NAS VN network with outpatient restricted to clinics
• Coverage within the UAE, excluding Al Ain and Abu Dhabi
• Ground transportation services covered (for medical emergencies) up to AED 500 per encounter and an annual aggregate cap of AED 1,000
• Accommodation is covered at AED 100 per night for a person accompanying a covered child (up to 16 years of age)
• Coverage for oncology up to AED 150,000
• Physiotherapy treatment covered up to 6 sessions with prior approval

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• Coverage up to AED 150,000 (excluding co-takaful and deductibles)
• Provider network: NAS VN network for hospitals and clinics in the UAE (except Al Ain and Abu Dhabi) and extended to ISC (International Service Coverage)
• Settlement for medical treatments outside the UAE at 80% on a direct billing/reimbursement basis (valid for in-patient treatments only)
• Emergency medical treatments are covered at a 100% reimbursement basis within the network and the UAE (subject to approval taken within 24 hours)
• Coverage for government hospital emergency treatments at 100% with required prior permission

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• Coverage up to AED 150,000 (excluding co-takaful and deductibles)
• Provider network: NAS VN network for hospitals and clinics, with outpatient services restricted to clinics
• Coverage in the UAE (except Abu Dhabi and Al Ain) and extended to ISC
• Settlement for medical treatments outside the UAE at 80% on a direct billing/reimbursement basis (for in-patient treatments only)
• Emergency medical treatments are covered at 100% reimbursement within the network and UAE, with approval within 24 hours
• Coverage for government hospital emergency treatments at 100% with required prior permission

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• Coverage for emergency medical treatments within the UAE at a 100% reimbursement basis (approval is needed within 24 hours)
• Coverage for government hospital emergency treatments within the UAE at 100% with prior permission
• In-patient and daycare treatments are covered with prior approval - emergency cases are to be notified within 24 hours of admission
• Semi-private room and board coverage for in-patients

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• Coverage Limit (excluding co-takaful and deductibles): Up to AED 150,000
• Provider Network: Covered under NAS VN with outpatient access limited to clinics
• Coverage Area: UAE coverage extended to ISC (excluding Al Ain and Abu Dhabi)
• Settlement Outside UAE: 80% coverage through direct billing/reimbursement based on the network tariff (for inpatient treatments only) - subject to pre-approval
• Settlement Inside Network and within UAE: Covered through direct billing
• Settlement Outside Network and within UAE: Non-emergency treatments are not covered
• Accommodation for Accompanying Person: Covered at AED 150 per night based on the treating doctor's recommendation

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• Coverage Limit (excluding co-takaful and deductibles): AED 150,000
• Provider Network: NAS VN (limited outpatient access to clinics)
• Coverage Area: UAE (excluding Al Ain and Abu Dhabi) and ISC
• Settlement Outside UAE: 80% coverage through direct billing/reimbursement after pre-approval and based on network tariff - applicable for inpatient treatments only
• Settlement Inside Network and within UAE: Covered through direct billing
• Settlement Outside Network and within UAE: Non-emergency treatments not covered
• Emergency Medical Treatments: 100% coverage based on network tariff - approval is required within 24 hours
• Government Hospitals: 100% coverage for emergency treatments only
  • Prior permission is required while emergency cases have to be notified within 24 hours
• Room and board for daycare or in-patient treatments: Semi-Private

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• Annual Benefit Limit: AED 150,000 (includes copayment and deductibles)
• Coverage Area: UAE (excluding Al Ain and Abu Dhabi) and home country (specified countries in South East Asia).
• Applicable Network: NAS VN network, with outpatient treatment restricted to clinics
• Lab Tests and Radiology - subject to 20% copayment for each visit
  • For non-medical emergencies, prior approval is needed (applicable to CT scans, MRI, and endoscopy0
• Referral Procedure: Essential Benefit Plan members must consult a General Practitioner (GP) before receiving specialist or consultant services
• The GP's referral via the DHA e-Referrals system is required for claim consideration

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• Annual Benefit Limit (including copayments and deductibles) - AED 150,000
• Coverage Area for Basic Healthcare Services (Elective Treatment): UAE (excluding Al Ain and Abu Dhabi) + home country
• Coverage Area for Emergency Medical Treatment: UAE (excluding Al Ain and Abu Dhabi) + home country
• Network Applicable: NAS VN (outpatient access limited to clinics)
• Pre-Existing and Chronic Conditions - Covered (Waiting Period of up to 6 Months in Certain Cases)
• Referral Procedure: Covered members must consult a GP for referral to specialists or consultants

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• Annual Benefit Limit: AED 150,000, including copayment and deductibles
• Coverage Area for Basic Healthcare Services: UAE (excluding Abu Dhabi and Al Ain) + home country (specified countries in South East Asia)
• Coverage Area for Emergency Medical Treatment: UAE (excluding Al Ain and Abu Dhabi + home country (selected countries in South East Asia).
• Network Applicable: NAS VN network, with outpatient services restricted to clinics
• Coverage for Pre-existing & Chronic Conditions: Coverage starts from the enrollment date, although a waiting period of 6 months may apply in certain cases
• Referral Procedure: For Essential Benefit Plan members, costs incurred for specialist or consultant services without prior consultation with a GP (or equivalent) designated by DHA will not be covered.
  • For claim consideration, GP's referral and reasons must be submitted through the DHA e-Referrals system.

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• Coverage for essential healthcare services including elective treatment within UAE (excluding Abu Dhabi & Al Ain) and home country (specified countries in South East Asia)
• Coverage for emergency medical treatment within UAE (excluding Al Ain and Abu Dhabi) and home country (specified countries in South East Asia)
• Network: NAS VN network, with outpatient services restricted to clinics
• Pre-Existing and Chronic Conditions - Coverage starts from the enrollment date. In certain cases, a waiting period of up to 6 months may apply.

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