Watania Takaful Individual Health Insurance

Watania Takaful Individual Health Insurance is a comprehensive insurance policy that safeguards your financial interests in case of any unforeseen medical emergencies. Watania Takaful offers health insurance plans for individuals, families, and business professionals and takes care of the varied ...read more

This insurance provider meets all the insurance guidelines set by the government and focuses on providing quality services. Their innovative and high-quality medical insurance plans will help you address any medical emergency with ease. Having said that, it is important to remember that Watania Takaful is currently known as Watania Takaful.

Watania Takaful Individual Health Insurance Plans

Mentioned below are some of the plans under Watania Takaful Individual Health Insurance –

Watania Takaful NAS – Plan A

Annual upper limit for healthcare services per year (for per insured member) is AED 75,000 (sub-limits are applied).
In case of out-patient Maternity Services, prior approval from the insurance company needed, subject to a 10% co-payment.
For In-patient Maternity Services maximum amount of AED 7500 extended for every delivery with 10% of the co-payment by policyholder.
Maternity, pre-existing, and chronic conditioning waiting period is for 12 months.
Dental and gum treatment, hearing and vision aids, policyholders are subject to a 20% co-payment. Compensation only extended if connected to medical exigencies.
The co-payment terms for out-patient services have to be followed. Policyholders will have to bear a 20% co-payment to the health insurance provider while claiming compensation.
In-Patient Services are subject to 20% co-payment as well as coverage of up to AED 1000.
Access to shared rooms, top-notch ambulance service, ground transportation service in the UAE for medical emergencies from an authorised party.
Coverage for companion accommodation of up to AED 100 is given for a companion for a child per night (till 16 years). In addition, companions for those who are above 16 years old will get compensation of up to AED 100 per night.
Territorial Scope of Coverage does not include Al Ain Emirates and Abu Dhabi. Coverage extended to Northern Emirates visa holders.
Compensation for a maximum of 10 sessions every year for physiotherapy treatments.
In case of emergency treatment, policyholders need approval from the insurer within 24 hours of admission.
Maximum coverage limit of AED 1500 for medication.

Watania Takaful NAS-Plan B

Aggregate annual limit is AED 150,000 per insured member (per year and sub-limits applied).
In-patient Maternity services coverage up to AED 10,000 for married females between 18 years to 45 years with 10% of the co-payment and prior approval.
Out-patient maternity services coverage extended to females between 18 to 45 years after the end of the waiting period. Encompasses benefits like ante-natal services and three ante-natal ultrasound scans.
For in-patient healthcare services get access to semi-private rooms.
Expenses for treatments, tests, diagnosis, and surgeries (for non-emergency medical conditions), prescribed medicines and drugs administered, etc., covered.
Even policyholders get compensation for accommodations. Coverage of AED 100 is given to the person accompanying a child below and above 16 years old per night.

Check Watania Takaful Health Insurance Plans in UAE

Watania Takaful - Aafiya - Plan A

Watania Takaful - Dependent

Watania Takaful - Dependent - Aafiya

Watania Takaful - Dependent Enhanced 1

Watania Takaful - Dependent Enhanced 1 - Aafiya

Watania Takaful - Dependent Enhanced 2

Watania Takaful - Dependent Enhanced 2 - Aafiya

Watania Takaful - Dependent Enhanced 3

Watania Takaful - Dependent Enhanced 3 - Aafiya

Watania Takaful - EBP

Watania Takaful - EBP - Aafiya

Watania Takaful - Gold - Family Care Plan

Watania Takaful - Green - Family Care Plan

Watania Takaful - NAS - Plan A

Watania Takaful - NAS - Plan B

Watania Takaful - Silk Road - Family Care Plan

Watania Takaful - Silver Classic - Family Care Plan

Watania Takaful - Silver Premium - Family Care Plan

Key Features and Benefits of Watania Takaful Individual Health Insurance

Here are the major benefits of Watania Takaful Individual Health Insurance:

Wide hospital network: You can access a wide network of hospitals and clinics under Watania Takaful Individual Health Insurance.
Assistance in emergencies: Prompt Healthcare services for emergency cases
Accommodation and ambulance services: Coverage is available even for ambulance service, companion accommodation, etc.
Customised plan: Besides getting out-patient and in-patient Maternity Services, you can also get coverage for dental and gum treatment and hearing and vision aids and these are subject to co-payment.

Eligibility Criteria for Watania Takaful Individual Health Insurance

Here are the eligibility criteria for Watania Takaful Individual Health Insurance:

Employees (inclusive of domestic workers) are eligible for the plan. They must have a salary of up to AED 15,000.

Age bracket - 18 years to 99 years

Watania Takaful Individual Health Insurance Inclusions

Here are the general inclusions of Watania Takaful Individual Health Insurance:

Out-patient maternity services
In-patient maternity services
Newborn cover
Easy hospital access
Dental and gum treatment
Hearing and vision aids
Laboratory tests, radiology diagnostic, physiotherapy treatment, emergency treatment, cost of medicines, etc.
Essential vaccines and preventive services that include immunizations, routine check-ups,

Watania Takaful Individual Health Insurance Exclusions

You must be aware of the following exclusions under the Watania Takaful Individual Health Insurance.

Medically unnecessary healthcare services are not covered.
Compensation is not given for home nursing, care for travelling and custodial care
Medical services that do not need constant administration by specialised medical professionals
Policyholders will not be covered for elective treatment outside the territorial scope (non-emergency)
Expenses related to dental treatment, orthodontic treatments, and dental prostheses

No coverage for personal comfort and convenience items
All the cosmetic healthcare services, even medical services related to existing breast implants. However, cosmetic operations related to congenital anomaly, sickness, or injury that are done to improve the physiological functioning of the body's involved part and in case of breast reconstruction after it has undergone mastectomy for cancer.
Medical services opted for conducting research, medically not approved investigations and experiments.
Surgical/ non-surgical treatment for obesity
Healthcare services and expenses related to the treatment of baldness, dandruff, wigs, etc.
For treatment and medical services related to contraception.
Healthcare services related to smoking cessation programs or for treating nicotine addiction.
No coverage for carrying out tests, investigations, or procedures to rule out foetal anomaly.
External prosthetic devices and medical equipment
Treatment and healthcare services for sterilisation, sex transformation, for treating infertility or sterility, or sexual dysfunction.
No coverage for growth hormone therapy
Healthcare services for adjusting spinal subluxation or treatments that involve the assistance of acupressure, acupuncture, massage therapy, ozone therapy, hypnotism, aromatherapy, etc.
Healthcare services for IVF (in-vitro fertilisation), ovum and sperm transfer, and embryo transfer. Further, medical services for adjusting spinal subluxation are also not covered.
Chronic conditions that need peritoneal dialysis, hemodialysis, related treatments, procedures, or investigations.
Birth defects, deformities, and congenital diseases.
Treatments, investigations, and healthcare services related to viral hepatitis and complications (not including the services and treatment for Hepatitis A).

The following frequently asked questions provide additional insights into Watania Takaful individual health insurance.

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Frequently Asked Questions

Ans: Watania Takaful NAS – Plan A and Plan B insurance plans are issued within 2 to 3 working days after applying for them. However, it takes around 24 to 48 hours to get activated after applicants submit proper documents.

Ans: The medical provider network is based on NAS VN (Value Network). Hospitals that are in collaboration with Watania Takaful NAS – Plan A insurance plan are:

Adam & Eve Specialized Medical Centre (Karama St) Abu Dhabi (Outpatient) (Clinics)
Al Fuad Medical Centre Llc (Outpatient) (Clinics)
Al Ameen Medical Centre Llc - Branch 1 (Musaffah) Abu Dhabi (Out-patient) (Clinics), etc.

*The list of network hospitals can vary at the insurer's discretion.

Ans: Under Watania Takaful NAS – Plan A insurance plan, you must bear 20% for laboratory tests, 30% for pharmacy, 20% for OP consultations, and 20% for Physiotherapy treatment.

Ans: Policyholders will not be covered for elective treatment outside the territorial scope (non-emergency), expenses related to dental treatment, orthodontic treatments, and dental prostheses. In addition, compensation is not given for home nursing, care for travelling, medical services that do not need constant administration by specialised medical professionals, and more.

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