Orient Takaful Health Insurance

Since its establishment in 2017, Orient Takaful has been at the forefront of redefining the insurance landscape of the UAE. With a commitment to innovation and excellence, the company has continuously evolved to cater to the dynamic requirements of its customers.

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HEALTH INSURANCE
Protect your health: AED 4/day for 1 million coverage
Selecting health insurance for
  • Self Only
  • Both Self and Family
  • Family without Self
  • Domestic Workers
  • Investor
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4.6/5

17000+

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Critical Illnesses
Worldwide Coverage
Network Hospitals
60+ Network Hospitals
Claim Assistance
Claim Assistance

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

At the heart of Orient Takaful's offerings lies its cutting-edge medical insurance products. These products stand as a testament to the company's dedication to safeguarding the health and well-being of its clients.

Whether it's comprehensive coverage for inpatient and outpatient treatments, specialised programs for chronic conditions, or support systems for critical illnesses, Orient Takaful's health insurance plans have revitalised individuals’ perception and experience of healthcare coverage.

In this article, we will dive into the core features that set Orient Takaful apart. We explore how the company's pursuit of innovation has resulted in insurance solutions that not only provide financial security but also empower individuals to take charge of their health.

Join us as we uncover the dynamic world of Orient Takaful's health insurance and its unwavering commitment to a healthier and more secure future.

Benefits of Purchasing Orient Takaful Health Insurance

As an Islamic insurance subsidiary of Orient Insurance, Orient Takaful provides an array of individual, small and medium enterprises, and large corporate health insurance plans. In this write-up, our focus will be on Individual Takaful.

When you buy Orient Takaful health insurance plans, you get different levels of coverage at affordable premium rates. These health insurance plans can be tailored based on territorial coverage, annual limits, co-payment requirements, and deductibles.

Listed below are the major reasons why you should consider buying Orient Takaful health insurance Dubai:

  • Easy and direct access to leading medical facilities around the UAE and GCC
  • 24/7 support from a dedicated team of multilingual customer service professionals
  • In-hospital cover for private rooms at world-class facilities as per the selection of your plan
  • Quick online reimbursement of claims paid
  • Comprehensive covers including inpatient cover, outpatient cover, and pre-existing and chronic conditions depending on the selection of a plan
  • Coverage of cancer and related Specialist Patient Support Program as per the selection of your plan
  • Access to Third Party Administrators Mobile Application to have all your healthcare requirements in one simple place including your electronic healthcare card

Top Orient Takaful Health Insurance Plans

Discussed below are the top Orient Takaful health insurance plans -

Plan Name

Features and Benefits Offered

Orient Takaful Plan 5

  • Territorial Coverage - Worldwide
  • Total Annual Limit - AED 1,000,000
  • Medical Network Name - NEXTCARE RN3 (outpatient services available only at clinics)
  • Maternity Cover

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 10,000 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance, coverage for up to 10 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for 30 days from birth — includes cover for BCG, neonatal screening tests (Phenylketonuria, Congenital Hypothyroidism, Sickle Cell Screening, and Congenital Adrenal Hyperplasia), and Hepatitis B
  • Room Type: Semi-private
  • Parent Accommodation for Children under 18 years - AED 150 per day
  • Attendee Accommodation - AED 150 per day
  • Emergency Road Ambulance Service - Covered
  • Pharmacy Limit - up to AED 5,000
  • Diagnostics (including X-ray, ultrasound, endoscopy, CT Scan, MRI) - Covered; subject to 10% co-payment
  • Pre-existing Medical Conditions - Covered up to AED 150,000 per member annually (waiting period of 6 months applies only if the insured buys the policy for the first time)
  • Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Hepatitis B (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Influenza Vaccine - Covered
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA’s guidelines
  • Physiotherapy - 8 sessions per member annually
  • Hearing and Optical Aids and Vision Correction via Surgeries and Laser - Covered; subject to 20% co-insurance
  • Psychiatric Treatment - Inpatient, outpatient, and emergency cover up to AED 10,000 per person on an annual basis
  • Symptom Checker - Covered
  • Alternative Medicine (Chiropractic, Ayurvedic, Osteopathy, and Homeopathy) - Covered up to AED 2,500 per person per year

Orient Takaful Silk Road 

  • Annual Aggregate Limit - Uup to AED 1,000,000
  • Geographical Coverage Scope - Worldwide
  • Network - MEDNET Silk Road
  • Inpatient Benefits - 
    • Hospitalisation Class - Private Room
    • Intensive Care Unit and Coronary Artery Disease Treatment - Covered
    • Therapies like Physiotherapy, Radiation Therapy, and Chemotherapy - Covered
    • Recipient Organ Transplantation - Covered
    • Ambulance Services - Covered
    • Use of Hospital Medical Equipment - Covered
    • Companion Room and Board Expenses - Up to AED 100 per night
    • Repatriation Costs of the Mortal Remains - Up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered with Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    • Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions and exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered

Orient Takaful Pearl

  • Annual Medical Cover Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to Medical Cover
  • Geographical Coverage Scope - Worldwide
  • Network - MEDNET Pearl
  • Inpatient Benefits - 
    • Hospitalisation Class - Private Room
    • Intensive Care Unit and Coronary Artery Disease Treatment - Covered
    • Therapies like Physiotherapy, Radiation Therapy, and Chemotherapy - Covered
    • Recipient Organ Transplantation - Covered
    • Ambulance Services - Covered
    • Use of Hospital Medical Equipment - Covered
    • Companion Room and Board Expenses - Up to AED 100 per night
    • Repatriation Costs of the Mortal Remains - Up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum; subject to Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    • Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions and exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500

Orient Takaful Plan 4

  • Geographical Scope of Coverage - Worldwide
  • Annual Medical Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to AED 5,000
  • Network - NEXTCARE RN2
  • Room Type - Private Room
  • Accommodation of Accompanying Persons - AED 250 per day
  • Home Nursing after Inpatient Treatment - Covered up to AED 5,000 per person per year
  • Emergency Road Ambulance - Covered
  • Diagnostics (MRI, X-ray, CT Scan, Endoscopy, and Ultrasound) - Covered; subject to 10% co-payments
  • Pre-existing and Chronic Medical Conditions - Subject to 6-month waiting period if the insured is registered for the 1st time; Covered up to the cap of AED 150,000 per member per year
  • Vaccination for Children - Covered
  • Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Hepatitis B (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Influenza Vaccine - Covered
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA’s guidelines
  • Physiotherapy - 10 sessions per member annually
  • Hearing and Optical Aids and Vision Correction via Surgeries and Laser - Covered; subject to 20% co-insurance
  • Psychiatric Treatment - Inpatient, outpatient, and emergency cover up to AED 10,000 per person annually
  • Symptom Checker - Covered
  • Maternity Cover 

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 12,500 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance — coverage for up to 12 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for 30 days from birth — cover for BCG, neonatal screening tests (Phenylketonuria, Congenital Hypothyroidism, Sickle Cell Screening, and Congenital Adrenal Hyperplasia), and Hepatitis B
  • Alternative Medicine (Chiropractic, Ayurvedic, Osteopathy, and Homeopathy) - Covered up to AED 2,500 per person per year
  • Dental Benefit - Up to AED 1,500
  • Optical Benefit - Up to AED 1,000
  • Repatriation of Mortal Remains - Up to AED 10,000 per person per year

Orient Takaful Emerald

  • Annual Medical Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to medical limit
  • Territorial Scope of Coverage for Elective and Emergency Treatment - Worldwide
  • Network - MEDNET Emerald
  • Pre-existing Medical Conditions - Covered up to the sub-limit of AED 150,000
  • Inpatient Benefits - 
    • Hospitalisation Class - Private Room
    • Intensive Care Unit and Coronary Artery Disease Treatment - Covered
    • Therapies such as Physiotherapy, Radiation Therapy, and Chemotherapy - Covered
    • Recipient Organ Transplantation - Covered
    • Ambulance Services - Covered
    • Use of Hospital Medical Equipment - Covered
    • Companion Room and Board Expenses - Up to AED 100 per night
    • Repatriation Costs of the Mortal Remains - Up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum 
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    •  Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions as well as the exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500

Orient Takaful Plan 3

  • Annual Medical Limit - Up to AED 1,000,000
  • Annual Pharmacy Limit - Up to AED 7,500
  • Network - NEXTCARE RN
  • Room Type - Private Room
  • Attendee Accommodation - AED 350 per day
  • Home Nursing after Inpatient Treatment - Covered up to the limit of AED 5,000 per person per year
  • Emergency Road Ambulance - Covered
  • Diagnostics (MRI, X-ray, CT Scan, Endoscopy, and Ultrasound) - Covered; subject to 10% co-payments
  • Pre-existing and Chronic Medical Conditions - Subject to 6-month waiting period if the insured is registered for the first time; Covered up to the cap of AED 150,000 per member per year
  • Vaccination for Children - Covered
  • Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Hepatitis B (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Influenza Vaccine - Covered
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA’s guidelines
  • Physiotherapy - 15 sessions per member annually
  • Hearing and Optical Aids and Vision Correction via Surgeries and Laser - Covered; subject to 20% co-insurance
  • Psychiatric Treatment - Inpatient, outpatient, and emergency cover up to AED 10,000 per person annually
  • Symptom Checker - Covered
  • Maternity Cover -

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 12,500 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance, coverage for up to 12 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for 30 days from birth 

Includes cover for BCG, neonatal screening tests (Phenylketonuria, Congenital Hypothyroidism, Sickle Cell Screening, and Congenital Adrenal Hyperplasia), and Hepatitis B

  • Alternative Medicine (Chiropractic, Ayurvedic, Osteopathy, and Homeopathy) - Covered up to AED 2,500 per person per year
  • Dental Benefit - Up to AED 2,500
  • Optical Benefit - Up to AED 1,250
  • Repatriation of Mortal Remains - Up to AED 10,000 per person per year

Orient Takaful Green

  • Annual Medical Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to medical limit
  • Territorial Scope of Coverage for Elective and Emergency Treatment - Worldwide
  • Network - MEDNET Green
  • Pre-existing Medical Conditions - Covered up to the sub-limit of AED 150,000
  • Inpatient Benefits - 
    • Hospitalisation Class - Private Room
    • Intensive Care Unit and Coronary Artery Disease Treatment - Covered
    • Therapies like Physiotherapy, Radiation Therapy, and Chemotherapy - Covered
    • Recipient Organ Transplantation - Covered
    • Ambulance Services - Covered
    • Use of Hospital Medical Equipment - Covered
    • Companion Room and Board Expenses - Up to AED 100 per night
    • Repatriation Costs of the Mortal Remains - Up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum; subject to Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    •  Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500

Orient Takaful Silver Classic 

  • Annual Medical Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to medical limit
  • Territorial Scope of Coverage for Elective and Emergency Treatment - Worldwide
  • Network - MEDNET Silver Classic
  • Pre-existing Medical Conditions - Covered up to the sub-limit of AED 150,000
  • Inpatient Benefits - 
    • Hospitalisation Class - Private Room
    • Intensive Care Unit and Coronary Artery Disease Treatment - Covered
    • Therapies like Physiotherapy, Radiation Therapy, and Chemotherapy - Covered
    • Recipient Organ Transplantation - Covered
    • Ambulance Services - Covered
    • Use of Hospital Medical Equipment - Covered
    • Companion Room and Board Expenses - Up to AED 100 per night
    • Repatriation Costs of the Mortal Remains - Up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum; subject to Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    • Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions and exclusions of the Patient Support Program as outlined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500

Orient Takaful Plan GN Limited

  • Annual Medical Cover - Up to AED 1,000,000
  • Pharmacy Limit - Up to AED 10,000
  • Medical Network - NEXTCARE GN (Excluding Mediclinic - Al Zahra Hospital, Sulaiman al Habib Group of Providers)
  • Room Type - Private
  • Attendee Accommodation - AED 400 per day
  • Home nursing after inpatient treatment - Up to AED 7,500 per person per year
  • Emergency road ambulance service - Covered
  • Diagnostics (MRI, X-ray, CT Scan, Endoscopy, and Ultrasound) - Covered; subject to 10% co-payments
  • Pre-existing and Chronic Medical Conditions - Subject to 6-month waiting period if the insured is registered for the first time; Covered up to the cap of AED 150,000 per member per year
  • Vaccination for Children - Covered
  • Cancer Treatment (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Hepatitis B (Screening, Investigations, Healthcare Services, and Treatments covered as per DHA Guidelines) - Covered
  • Influenza Vaccine - Covered
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA’s guidelines
  • Physiotherapy - 20 sessions per member annually
  • Hearing and Optical Aids and Vision Correction via Surgeries and Laser - Covered; subject to 20% co-insurance
  • Psychiatric Treatment - Inpatient, outpatient, and emergency cover up to AED 10,000 per person annually
  • Symptom Checker - Covered
  • Maternity Cover 

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 20,000 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance, coverage for up to 15 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for 30 days from birth 

Includes cover for BCG, neonatal screening tests (Phenylketonuria, Congenital Hypothyroidism, Sickle Cell Screening, and Congenital Adrenal Hyperplasia), and Hepatitis B

  • Alternative Medicine (Chiropractic, Ayurvedic, Osteopathy, and Homeopathy) - Covered up to AED 2,500 per person per year
  • Dental Benefit - Up to AED 3,000
  • Optical Benefit - Up to AED 1,500
  • Repatriation of Mortal Remains - Up to AED 15,000 per person per year
  • Second Opinion - Covered

Orient Takaful Plan 2

  • Annual Medical Limit - Up to AED 1,000,000
  • Pharmacy Limit - Up to AED 10,000
  • Medical Network - NEXTCARE GN
  • Room Type - Private Room
  • Attendee Accommodation - AED 400 per day
  • Home Nursing after Inpatient Treatment - Covered; up to the limit of AED 7,500 per person per year
  • Emergency Road Ambulance Benefit - Covered
  • Deductible for Every Consultation - Up to AED 50; subject to 20% co-payment
  • Diagnostics (MRI, X-ray, Ultrasounds, CT Scan, and Endoscopy services) - Subject to 10% co-payment
  • Pre-existing and Chronic Medical Conditions - Covered for up to AED 150,000 per member each year. 

If you can show that you've had continuous coverage, you won't need to wait before using the insurance plan’s coverage. Otherwise, there's a 6-month waiting period for new members.

Make sure to mention any existing health conditions in the medical application form. If you don't mention existing conditions when applying, the insurance won't cover them while the policy is active. With that said, these conditions might be considered during policy renewal.

  • Vaccination for Children - Covered
  • Cancer Treatment (Right from Screening, investigations, healthcare services to treatments, all as per DHA guidelines) - Covered 
  • Hepatitis B and C (From Screening, investigations, and healthcare services to treatments, all as per DHA guidelines) - Covered 
  • Influenza Vaccine - Covered annually once (on reimbursement only)
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA Adult Pneumococcal Conjugate Vaccination
  • Preventive Care Services - Covered as per DHA guidelines
  • Physiotherapy - 20 sessions per member per annum
  • Dental and Gum Treatment (only for emergency cases) - Subject to 20% co-insurance
  • Hearing and Optical Aids and Vision Correction Procedures like Surgeries and Laser - Subject to 20% co-insurance
  • Psychiatric Treatment - Covered for inpatient, emergency and outpatient treatments; up to the limit of AED 10,000 per person per year; subject to 20% coinsurance per visit for outpatient treatment
  • Organ Transplant - Coverage available only for the recipient
  • Repatriation of Mortal Remains - Covered up to the limit of AED 15,000 per person per year 
  • Second Medical Opinion - Covered
  • Symptom Checker - Covered
  • Maternity Services -

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 20,000 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance, coverage for up to 15 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for up to 30 days from the birth date — includes coverage for Hepatitis B, BCG, and neonatal screening tests like Phenylketonuria (PKU), Congenital Adrenal Hyperplasia, Congenital Hypothyroidism, and Sickle Cell Screening
  • Dental Benefit - Covered up to the limit of AED 3,000 
  • Optical Benefit - Covered up to the limit of AED 1,500
  • Alternative Therapies/Medicines (for Chiropractic, Homoeopathy, Osteopathy, and Ayurveda) - Covered up to the limit of AED 2,500

Orient Takaful Silver Premium

  • Annual Medical Limit - AED 1,000,000 
  • Pharmacy Limit - Up to the Medical Cover Limit
  • Geographical Coverage - Worldwide
  • Network - MEDNET Silver Premium
  • Pre-existing and Chronic Medical Conditions - You will be required to declare any existing medical conditions in the Medical Application Form; they will go through medical underwriting. Pre-existing and Chronic conditions that you declare will have coverage with a limit of AED 150,000.

Any pre-existing conditions that you don’t declare won't have coverage during the policy period, although they may be considered at renewal.

  • Inpatient Services -
    • Accommodation - Private Room
    • Intensive Care Unit and Associated Services - Covered
    • Fees and Charges for Surgeon, Consultant, and Anaethesist - Covered
    • Recipient Organ Transplant Service - Covered
    • Use of Medical Equipment - Covered
    • Ambulance Services - Covered
    • Attendee Accommodation - Covered; up to the limit of AED 100 per night 
    • Repatriation of the Mortal Remains - Covered up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum; subject to Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    • Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions and exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Any medical emergency up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500

Orient Takaful Plan 1 

  • Annual Medical Limit - AED 1,000,000
  • Pharmacy Limit - Up to AED 15,000
  • Geographical Coverage Scope - Worldwide
  • Medical Network -  NEXTCARE GN+
  • Room Type - Private Room
  • Attendee Accommodation - AED 450 per day
  • Home Nursing after Inpatient Treatment - Covered; up to the limit of AED 7,500 per person per year
  • Emergency Road Ambulance Benefit - Covered
  • Deductible for Every Consultation - Up to AED 50; subject to 20% co-payment
  • Diagnostics (MRI, X-ray, Ultrasounds, CT Scan, and Endoscopy services) - Subject to 10% co-payment
  • Pre-existing and Chronic Medical Conditions - Each member is covered for up to AED 150,000 annually. With uninterrupted coverage, the insurance plan can be used immediately — new members face a 6-month wait without continuous coverage.

Make sure to declare existing health conditions in the application, which will be assessed by experts. Neglected conditions won't be covered during the policy, although they might be considered at the time of renewal.

  • Vaccination for Children - Covered
  • Cancer Treatment (Right from Screening, investigations, and healthcare services to treatments, all as per DHA guidelines) - Covered 
  • Hepatitis B and C (Right from Screening, investigations, healthcare services to treatments, all as per DHA guidelines) - Covered 
  • Influenza Vaccine - Covered annually once on reimbursement only
  • Adult Pneumococcal Conjugate Vaccine - Covered as per DHA Adult Pneumococcal Conjugate Vaccination guidelines
  • Preventive Care Services - Covered as per DHA guidelines
  • Physiotherapy - 20 sessions per member per annum
  • Dental and Gum Treatment (only for emergency cases) - Subject to 20% co-insurance
  • Hearing and Optical Aids and Vision Correction Procedures like Surgeries and Laser - Subject to 20% co-insurance
  • Psychiatric Treatment - Covered for inpatient, emergency and outpatient treatments; up to the limit of AED 10,000 per person per year; subject to 20% coinsurance per visit for outpatient treatment
  • Organ Transplant - Coverage available only for the recipient
  • Repatriation of Mortal Remains - Covered up to the limit of AED 20,000 per person per year 
  • Second Medical Opinion - Covered
  • Symptom Checker - Covered
  • Maternity Services -

Inpatient Cover: Subject to 10% co-insurance, covered up to AED 20,000 (coverage for emergencies will be up to the annual aggregate limit; a 24-hour prior approval is required from the insurance provider)

Outpatient Cover: Subject to 10% co-insurance and includes coverage for up to 15 visits and 8 ante-natal ultrasound scans

  • Newborn Cover - Covered for up to 30 days from the birth date

Includes coverage for Hepatitis B, BCG, and neonatal screening tests like Phenylketonuria (PKU), Congenital Adrenal Hyperplasia, Congenital Hypothyroidism, and Sickle Cell Screening

  • Dental Benefit - Covered up to the limit of AED 3,000 
  • Optical Benefit - Covered up to the limit of AED 1,500
  • Alternative Therapies/Medicines (for Chiropractic, Homoeopathy, Osteopathy, and Ayurveda) - Covered up to the limit of AED 2,500

Orient Takaful Gold

  • Annual Medical Limit - AED 1,000,000 
  • Pharmacy Limit - Up to the Medical Cover Limit
  • Geographical Coverage - Worldwide
  • Network - MEDNET Gold
  • Pre-existing and Chronic Medical Conditions - Declare any existing medical conditions in the Medical Application Form as they will go through medical underwriting. Pre-existing and Chronic conditions that you declare will have coverage with a limit of AED 150,000.

Any pre-existing conditions that are not declared won't have coverage during the policy period, although they may be considered at renewal.

  • Inpatient Services -
    • Accommodation - Private Room
    • Intensive Care Unit and Associated Services - Covered
    • Fees and Charges for Surgeon, Consultant, and Anaethesist - Covered
    • Recipient Organ Transplant Service - Covered
    • Use of Medical Equipment - Covered
    • Ambulance Services - Covered
    • Attendee Accommodation - Covered; up to the limit of AED 100 per night 
    • Repatriation of the Mortal Remains - Covered up to AED 7,500
  • Outpatient Benefits -
    • Physician Consultation - Covered with Co-payment of 20%; up to AED 50 per Consultation
    • Diagnostics and Laboratory Tests - Covered with Co-payment of 20% per bill
    • Physiotherapy - Covered up to 15 sessions per member per annum; subject to Co-payment of 20% per bill
    • Pharmaceuticals - Covered with Co-payment of 20% per bill
  • Other Benefits -
    • Day Care Treatment - Covered
    • Emergency Mental Health Treatments - Covered
    • Outpatient Surgery - Covered
    • Work-related Injuries - Covered
    • Newborn Coverage - Covered as per DHA’s recent guidelines
    • Preventive Care Services for Adults - Diabetic Screening
    • Cancer and Hepatitis C Virus Infection Cover - Covered as per the terms and conditions and exclusions of the Patient Support Program defined by DHA
    • Hearing and Optical Aids, and Vision Correction through Surgeries and Laser - Covered (only medical emergencies)
    • MedNet’s Global Emergency Assistance Services via Assist America - Covered
  • Maternity Benefits - 
    • Normal delivery expenses covered up to AED 10,000
    • Medically mandatory caesarean section and complications up to AED 10,000
    • Related medical emergencies up to AED 150,000
    • Outpatient maternity expenses covered up to the annual limit
    • Screening tests Covered as per DHA Antenatal Care Protocol - FBC and platelets, blood group, rhesus status and antibodies, HIV, ultrasonography scans (3 scans), Hepatitis C, Rubella serology, VDRL, FBS, Random Blood Sugar, HbA1C, GTT, MSU, and urinalysis
  • Alternative Medical Benefits (Osteopathy, Herbal Treatments, Acupuncture, Chiropractic, Homoeopathy, and Ayurveda) - Covered up to AED 1,600 per member per annum
  • Vaccination Benefit - Covered
  • Dental Benefit - Covered with an annual sub-limit of AED 3,500
Read More

How to File a Claim for Orient Takaful Health Insurance?

The process for filing a claim will be based on the medical network of your Orient Takaful health insurance plan. As we saw in the table above, Orient Takaful has plans from 2 different networks - NEXTCARE and MEDNET.

Let’s go through the claim filing process for each category -

For NEXTCARE Plans

Step 1: Registering and Logging In

Visit MyNextcare on this link - https://mynextcarev2.nextcarehealth.com/Account/Index. If you're registering for the first time, use your Emirates ID and date of birth. If you don't have an Emirates ID yet, you can get an e-card number from the provider for logging in. 

As an insured member, you can access medical care using either your Emirates ID or the eCard. You can also see the updated network list. 

You can either register or log in using your username and password.

Step 2: Making Claims

Navigate to the ‘Submit New Claim’ section and ensure the availability of the the following -

  • Complete details like the name of the healthcare provider, date of service, description, and the physician's name
  • All necessary supporting documents — the medical report, itemised bills, original receipts, and so on

Step 3: After providing all the required information, follow these steps -

  1. Complete your claim details.
  2. Upload or take pictures of the necessary supporting documents, including:
  • Itemised medical form signed by your doctor and stamped by the clinic/hospital. This should include the history of the current illness, past medical history, clinical history, and prescribed medical tests and/or medicines.
  • Medical results, if applicable (like test results and radiology reports)
  • Itemised medical invoices from the clinic/hospital
  1. Choose the ‘Submit Claim’ option to finish the process.

Step 4: Submitting Your Completed Claim Form

Once you submit the completed claim form, you'll get an email notification confirming its successful submission.

Step 5: Submitting Claim Reimbursement

Submit your claim reimbursement within 30 days from the date of treatment inside or outside the UAE. If you can't process reimbursement on the TPA application, you can email PB.

Reimbursement processing takes around 15 working days. After the decision regarding the claim reimbursement’s approval or rejection is made, the insurer will provide the Payment Order (PO).

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For MEDNET Plans

Step 1: Signing Up and Logging In

When you register for the first time, you will need to use your Emirates ID and birthdate. If you don't have an Emirates ID yet, you will get an e-card number from your insurer for logging in. With your Emirates ID or e-card, you can start using medical services and also check the updated list of medical providers in the network.

Step 2: Required Documents

  • You will need to provide detailed medical reports that clearly mention the diagnosis, when the illness started, any past similar illnesses, and the history of treatments including prescribed medicines, tests, and the expected outcome.
  • Original itemised invoices or receipts showing the cost for each service.
  • Copies of results from any diagnostic tests
  • If you're prescribed physiotherapy, include a referral letter from your treating physician.
  • A valid prescription from your doctor for any prescribed medication.
  • If there was hospitalisation or surgery, make sure to include a discharge summary or operative notes.
  • For claims related to accidents, include a police report or a firsthand information report.

Important: Claims for reimbursement should be sent within 30 days from the date of treatment within or outside the UAE. If you're unable to process the reimbursement using the TPA app, you can send an email to PB.

Step 3: Submitting the Claim Form

Each claim that you send to MedNet will be assigned a Unique Claims Reference Number (UCRN). This number helps in keeping track of your claim and assisting you with any questions or solutions that you might require. The UCRN is automatically sent to you when your claim is registered with MedNet. You can use the UCRN to follow the progress of your claim (from submission to settlement) or to resubmit an incomplete claim if required.

Check Orient Takaful Health Insurance Plans in UAE

Orient Takaful Health Insurance Contact Information

Tabled below are the Orient Takaful health insurance contact details and office addresses -

Office Contact Information
Head Office
  • Address - Al Futtaim Building, Deira, P.O. Box 183368, Dubai
  • Contact Number -  971 4 601 7500, 971 4 601 7555
Sharjah Branch
  • Address - Office 1008, Al Hind Tower, Al Khan, P.O. Box 322079, Sharjah
  • Contact Number - 971 6 501 7410, 971 6 601 7444
Abu Dhabi Branch
  • Address - Office 1501-1502, Al Wahda Commercial Tower, Hazza bin Zayed Street, P.O. Box 38122, Abu Dhabi
  • Contact Number - 971 2 312 7000, 971 2 449 8662

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How to Apply for Orient Takaful Health Insurance Plans?

Policybazaar.ae stands as the UAE's biggest marketplace for insurance and finance, presenting premier health insurance options from the leading names in the country. Furthermore, through our platform, you can easily apply for an Orient Takaful health insurance plan in a straightforward manner. Our online platform is designed to be user-friendly and convenient, which allows you to apply without leaving your home or workplace.

To initiate your health insurance application in the UAE, continue on the Policybazaar.ae website. On the homepage, either click the 'Health Insurance' tab or choose the suitable option from the 'Insurance' tab in the menu.

This will guide you to a form that you must accurately fill out. Once done, click on 'View Quotes' to see the Orient Takaful health insurance quotes.

On this page, you can easily compare the comprehensive health insurance plans without needing to switch between various sections. You can assess the benefits and costs of each plan, all on one screen. After making your decision, choose the option to apply for your selected plan and follow the given instructions to finalise your application.

If you're unsure about which plan to opt for, you can always reach out to Policybazaar.ae's team of insurance experts for guidance!

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