Watania Takaful, a part of Watania International Holding PJSC, is a popular name with respect to health insurance in UAE. The company provides comprehensive insurance solutions to individuals and families alike to cater to their medical requirements at attractive rates.
The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.
Efficiency is another hallmark of Watania Takaful health insurance, which has a simplified claim process designed for the maximum convenience of the customer. With Watania Takaful health insurance, you can promptly get the necessary financial assistance in case of a medical emergency.
Let’s take a deep dive into the health insurance plans offered by Watania Takaful and explore their key features, inclusions, and other factors so that you can make an informed decision while getting health insurance in UAE.
Types of Watania Takaful Health Insurance Plans
Watania Takaful presents a range of health insurance plans tailored to meet the diverse requirements of its customers. Let’s take a look at its major health insurance plans -
Northern Emirates Plan: This plan is specifically designed to provide medical Takaful coverage to visa holders in the Northern Emirates (including Sharjah, Fujairah, Umm al Quwain, Ajman, and Ras Al Khaimah). Eligible individuals here include employees with a monthly salary of up to AED 15,000, their spouses (both male and female), and their children. The plan encompasses a comprehensive array of medical expenses.
DXB Enhanced Plan: This Watania Takaful health insurance plan helps individuals comply with the mandatory medical insurance requirements applicable to Dubai visa holders. It provides medical takaful cover for employees/partners earning a gross monthly salary exceeding AED 4,000 along with their dependents.
DXB LSB - Employee Only: Specifically catering to employees and domestic workers in the Emirate of Dubai, this Watania Takaful health insurance plan offers medical takaful coverage to those earning a gross monthly salary of up to AED 4,000. It aligns with the mandatory regulatory requirements applicable to Dubai visa holders, providing coverage for medical expenses within the specified salary range.
DXB LSB Dependent Plan: This plan addresses the medical Takaful requirements of non-working dependents/parents in Dubai. Aligned with the mandatory requirements for Dubai visa holders, it offers comprehensive coverage for various medical expenses.
Key Benefits of Watania Takaful Health Insurance
Discussed below are the key benefits of Watania Takaful health insurance -
Extensive coverage: Watania Takaful health insurance offers a broad range of coverage benefits and helps ensure that you and your loved ones always have access to essential medical care (whenever necessary).
Treatment in your home country: This health insurance policy covers treatments within your country, eliminating the need to travel abroad for quality medical services.
Coverage for pregnancy and childbirth: Watania Takaful health insurance includes comprehensive coverage for prenatal care and expenses related to childbirth, which provides expectant mothers with the necessary medical attention and support during this significant period.
Financial support in case of accidental death: In case of an unexpected death, this insurance policy furnishes financial aid to the bereaved family or beneficiaries of the insured. This cover allows beneficiaries to manage the economic stress that may arise during such an unfortunate time.
Protection for personal accidents: The plan also offers coverage for personal accidents, ensuring financial support in case of accidental injuries or disabilities resulting from accidents.
Access to expert opinions: Another key feature of this policy is that it allows you to consult medical professionals for supplementary guidance or secondary opinion and insight into your health condition or potential treatments.
Dubai Health Authority accreditation: Watania Takaful health insurance is accredited by the Dubai Health Authority (DHA), assuring policyholders that it meets the regulatory standards and requirements set by the health authority.
Extensive network of healthcare providers: With a vast network of over 1,600 care centres, this health insurance policy offers you a wide selection of healthcare providers and hospitals to receive medical treatment from. This feature ensures the utmost convenience and accessibility for policyholders with respect to healthcare.
Inclusions of the Watania Takaful Health Insurance Plans
After covering the basic features of Watania Takaful health insurance plans, let’s take a look at the key inclusions of each plan -
Northern Emirates Plan 1
Northern Emirates Plan 2
DXB Enhanced Option 1
DXB Enhanced Option 2
DXB Enhanced Option 3
DXB Enhanced Option 4
Enhanced Option 5
Enhanced Option 6
Enhanced Option 8
Enhanced Option 10
DXB LSB - Employee Only
DXB LSB Dependent Plan
Prescribed medicines and drugs administered during in-patient or daycare patients are covered (based on network tariff)
Ground transportation provided in the UAE for medical emergencies
Accommodation for an individual accompanying a covered child up to the age of 16 - cover of up to AED 100 per night
Accommodation for a person attending a covered member in the same room in cases of critical illness (at the doctor’s approval) - up to AED 100 per night
Coverage for pre-existing and chronic conditions provided after a waiting period of 12 months
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
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
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
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.
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.
Exclusions of the Watania Takaful Health Insurance Plan
Listed below are the exclusions of the mentioned Watania Takaful health insurance plans:
Non-essential healthcare services
Private nursing care, home nursing, and travel-related care
Services that don’t require continuous administration by specialised medical personnel
Personal comfort and convenience items such as barber or beauty services, television, guest services, and similar supplies and services
All cosmetic healthcare services and services associated with replacing an existing breast implant are excluded. However, coverage for cosmetic operations aimed at improving the physiological functioning of a body part due to injury, sickness, or congenital anomaly, as well as breast reconstruction )following mastectomy for cancer) is provided.
Surgical and non-surgical treatments for obesity - including morbid obesity, weight control programs, services, or supplies
Healthcare services that are not performed by authorised healthcare service providers
Health services and supplies for programs related to smoking cessation and the treatment of nicotine addiction
Procedures, tests, or investigations conducted to rule out foetal anomalies are not covered by Watania Takaful health insurance plans
Allergy testing and desensitisation (excluding testing for allergies to medications and supplies used in the treatment), as well as physical, psychiatric, or psychological examinations or investigations during these examinations
Services provided by a medical provider who is a patient's relative, such as a covered member or first-degree relatives
Healthcare services for the adjustment of spinal subluxation
Elective diagnostic services and medical treatment for vision correction
All treatments, investigations, and procedures for chronic conditions requiring hemodialysis or peritoneal dialysis
Noor Takaful - Watania Network Hospital List in Dubai
Go through the Noor Takaful - Watania insurance hospital network list in Dubai and find the best hospital to get quality medical care treatment based on your current medical condition.
Noor - Watania Health Insurance Network Hospitals List in Dubai
Hospital Name
Hospital Address
HEALTHHUB BRALFUTTAIM HEALTHCARE SINGLE PERSON COMPANY L L C , DUBAI FESTIVAL CITY (Out Patient) (Hospitals)
DUBAI FESTIVAL CITY, NEXT TO IKEA,DUBAI - 04-5967100
**HATTA HOSPITAL DUBAI HEALTH AUTHORITY (Out Patient) (Hospitals)
HATTA, DUBAI, NEAR DUBAI WOMENS ASSOCIATION - 04-8147000
PRIME HOSPITAL LLC (In Patient) (Hospitals)
CASABLANCA STREET - 04-2929777
ASTER HOSPITAL BR OF ASTER DM HEALTHCARE AL QUSAIS DUBAI ATSER GROUP (In Patient) (Hospitals)
A9 STREET , MUHAISNAH 4 STREET ,ASTER HOSPITAL BUILDING , AL QUSAIS INDUSTRIAL AREA 2 , AL QUSAIS - 04-3766888
ASTER DAY SURGERY CENTRE LLCDM HEALTHCARE BR OF ASTER HOSPITAL DUBAI (In Patient) (Hospitals)
KUWAIT ROAD, AL MANKHOOL AREA, AL RAFFA BUR DUBAI - 04-4400500
INTERNATIONAL MODERN HOSPITAL (In Patient) (Hospitals)
PORT RASHID ROAD, NEAR CAPITOL HOTEL - 04-4063000
BELHOUL SPECIALITY HOSPITAL (In Patient) (Hospitals)
AL BARAHA AREA, NEAR JESCO - 04-2733333
HEALTHHUB BRALFUTTAIM HEALTHCARE SINGLE PERSON COMPANY L L C , DUBAI FESTIVAL CITY (In Patient) (Hospitals)
DUBAI FESTIVAL CITY, NEXT TO IKEA,DUBAI - 04-5967100
NMC ROYAL HOSPITAL LLCDIP (In Patient) (Hospitals)
DUBAI INVESTMENT PARK - 04-8108800
CEDARS JEBEL ALI INTERNATIONAL HOSPITAL ASTER GROUP (In Patient) (Hospitals)
JEBEL ALI ROAD, NEXT TO DUGAS - 04-4400500
To Conclude
Watania Takaful Health Insurance is a preferred choice for individuals and families in the UAE, offering comprehensive and personalised insurance solutions. With a dedicated team of professionals, streamlined claims processing, and a wide range of tailored plans, Watania Takaful ensures prompt reimbursement and coverage benefits without unnecessary delays.
While applying for a Watania Takaful health insurance plan, make sure to go through its inclusions as well as exclusions so that you make an informed decision.
Check out some frequently asked questions related to Watania Takaful health insurance below -
FAQ's
Q1. Who is eligible for the Northern Emirates Plan?
Ans: The Northern Emirates Plan is designed for visa holders in the Northern Emirates with a monthly salary of up to AED 15,000 (along with their spouses and children).
Q2. Does Watania Takaful health insurance cover pre-existing and chronic conditions?
Ans: Yes, you can get coverage for pre-existing and chronic conditions with Watania Takaful health insurance plans. Keep in mind that a waiting period may apply in certain cases.
Q3. Does Watania Takaful cover dental and gum treatments?
Ans: Some plans may offer coverage for diagnostic and treatment for dental and gum treatments related to a medical emergency (with a specific copayment).
Q4. Is Watania Takaful health insurance accredited by the Dubai Health Authority?
Ans: Yes, Watania Takaful Insurance is accredited by the DHA.
Q5. Can Watania Takaful health insurance cover treatments outside the UAE?
Ans: Yes, certain plans provide coverage for medical treatments outside the UAE on a direct billing/reimbursement basis (subject to approval).
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