Watania Takaful - Silk Road - Family Care Plan

With Watania Takaful Silk Road - Family Care Plan, your family's health insurance needs are fully taken care of. This plan encompasses a broad spectrum of medical services, including psychiatry, alternative medicines, physiotherapy treatment, hearing and vision aids, doctor's consultations, and more.read more

Worldwide Coverage

Wide Choices

Expert Advice

Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 05 September 2025Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

Information on this page is for general guidance only - not personalised financial or medical advice.

Plan Summary

Plan NameSilk Road - Family Care Plan

Cover AmountAED 1,000,000

Pharmacy LimitUpto AED 1,000,000

TPAMEDNET

Watania Takaful - Silk Road - Family Care Plan Details

Maternity Cover

Out-patient Maternity Services

Requires prior approval from the insurance company.10% co-paymentCovered

In-patient Maternity Services

10% co-paymentMaximum benefit AED 10,000 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

Covered 30 days for new born are in line with DHA benefit guidelines.

Dental and Gum Treatment

Co-Payment

20% Co payment (Covered upto AED 3500 sublimit)

Covered

Hearing and Vision Aids

Co-Payment

20% co-payment.Covered

Covered

In case of emergency only.

Coverage Type

Specialist Clinic

Out-Patient Services

Co-Payment - This is what you'll pay your health provider when claiming with this policy

20% Max AED 50 per consulation.20% max upto AED 75

In-Patient Services

Co-Payment - This is what you'll pay your health provider when claiming with this policy for hospitalization

Nil (In-patient treatment at authorized hospitals)

Room Type

Private Room

Ambulance Service

Ground transportation services in the UAE provided by an authorized party for medical emergencies.

Companion Accomodation

Covered (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

WorldwideInsurance Coverage is only for dubaivisa holders.

Network

Mednet - Silk roadMednet - Silk road

Other Services

Laboratory Tests

NIL10% co-cpayment

Radiology diagnostic

NIL10% co-cpayment

Physiotherapy Treatment

Prior approval of the insurance company is required.Covered up to 15 sessions/ Per member Per year10% co payment

Test, diagnosis, treatments related to surgeries in hospitals

Prior approval required from the insurance company / TPA.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

NIL10% co payment

Limit

upto Policy annual limit

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.