Watania Takaful Health Insurance

Watania Takaful is a prominent health insurance provider in the UAE. Over the years, it has grown steadily by offering affordable and comprehensive healthcare solutions. The company provides coverage for individuals, families, and domestic workers, addressing diverse needs with flexible plans.

Watania Takaful health insurance is available under various policies that cover a range of services such as inpatient and outpatient treatments, dental care, emergency medical services, and even home nursing. With a focus on customer satisfaction, it combines innovation and integrity to deliver reliable health coverage at competitive prices.

Best Watania Takaful Health Insurance Plans in the UAE

Here are the best Watania Takaful Medical Insurance Plans in Dubai, UAE:

Features and Benefits of Watania Takaful Health Insurance

Listed below are a few features and benefits of Watania Takaful medical insurance —

1. Worldwide Coverage
   Watania Takaful provides global coverage, which lets you receive medical care during travel or business trips. This includes emergency treatments in countries like the USA and Canada for up to 90 days per year.
2. Comprehensive Hospitalisation Benefits
   The plans cover both inpatient and outpatient treatments. This includes private room stays, home nursing, and the option to accommodate a parent or guardian for minors during hospitalisation.
3. Coverage for Pre-Existing and Chronic Conditions
   Pre-existing medical conditions are covered up to the limit of AED 150,000 annually. This benefit provides financial relief for chronic or ongoing treatments, subject to declaration during application.
4. Maternity and Newborn Care
   Expecting mothers are supported with coverage for maternity services, including antenatal visits, delivery, and complications. Newborns are automatically covered under the mother’s policy for the first 30 days.
5. Emergency Services and Preventive Care
   Emergency ambulance services and preventive healthcare, such as vaccinations for children, are included in Watania Takaful’s health policies. These services aim to offer timely medical support and promote overall health and well-being.

How to Get More Coverage and Benefits with Watania Takaful’s PB Advantage?

Choosing a Watania Takaful health insurance policy through Policybazaar.ae provides you with exclusive PB Advantage benefits. These benefits are designed to enhance your insurance experience, making it rewarding and stress-free for both UAE residents and NRIs.

PB Advantage for UAE Residents

1. Quick Claims Resolution: Dealing with claims is now easy with PB Advantage. The dedicated support team addresses your Watania Takaful health insurance claims within 30 minutes and you can focus on your recovery while we take care of the paperwork.
2. Automatic Coverage Reset: If you use up your coverage limit during the year, PB Advantage  automatically restores the sum insured under the Watania Takaful plan. The restoration is done once annually for unrelated medical conditions. For example, if your AED 300,000 coverage is exhausted, it will be recharged to the same amount, giving you continued protection. Please note that this doesn’t cover maternity or pre-existing condition claims.
3. Reward for Staying Claim-Free: With PB Advantage, your sum insured increases by 10% for every year, you don’t claim under your health insurance policy. This bonus can accumulate up to 50% of your original sum insured. Even if you file a claim later, the bonus only reduces by 10%, so that your coverage never drops below the initial amount.
4. Fast Pre-Existing Condition Quotes: Quotations for pre-existing conditions under Watania Takaful plans are processed in just 60 minutes, helping you get clarity and make quick, informed decisions about your coverage.

PB Advantage for NRIs

1. Free Annual Check-Up in India: Take charge of your health with a complimentary annual health check-up in India, available once per year. This benefit, included in your Watania Takaful health insurance plan, lets you prioritise preventive care during your visits to India without extra costs.
2. Cashless Hospitalisation in India: Enjoy cashless in-patient services in over 400 cities across India. Your Watania Takaful health insurance ensures that hospital bills are settled directly, so you don’t have to worry about upfront payments during planned or emergency treatments.
3. Comprehensive Coverage in UAE and India: PB Advantage gives you a unified Watania Takaful health insurance plan that provides extensive coverage in both the UAE and India. This eliminates the hassle of managing separate policies.
4. Smooth Policy Transfer to India: If you’ve been covered by a Watania Takaful health insurance plan in the UAE for four continuous years, you can transfer your benefits to an Indian policy. This includes credits for waiting periods on specific conditions or pre-existing ailments.

Watania Takaful Health Insurance Plans with PB Advantage Benefits

Here is a list of Watania Takaful health insurance plans that include PB Advantage benefits — 

1. NAS Plan 1
2. NAS Plan 2
3. NAS Plan 3
4. NAS Plan 4
5. NAS Plan 5
6. NAS Plan 6

Watania Takaful Health Insurance Inclusions

Listed below are the general inclusions of Watania Takaful medical insurance — 

Watania Takaful Health Insurance Exclusions

Here are the general exclusions under the coverage of Watania Takaful health insurance Dubai —

1. Expenses for cosmetic surgeries and treatments, except when medically necessary due to injury or illness, are not covered
2. Any treatment related to obesity, including surgeries or weight loss programs, is excluded
3. Costs for personal comfort or convenience items, such as televisions, beauty services, and guest services, are not covered
4. Treatments for infertility, sterilisation, or contraception are not included under the coverage
5. Healthcare services that are experimental, investigational, or not medically approved are excluded
6. Treatments for conditions like alopecia, dandruff, or other cosmetic skin issues are not covered
7. Programs or treatments aimed at quitting smoking or nicotine addiction are excluded
8. Any treatments related to gender transformation or sexual dysfunction are not included
9. Healthcare services that are not deemed medically necessary by a treating physician are excluded
10. Non-conventional treatments such as naturopathy, massage therapy, and other similar alternative treatments are generally excluded unless specified in the policy
11. Routine dental care and vision correction procedures, such as LASIK, are excluded unless they are emergencies
12. Coverage does not extend to congenital anomalies unless specifically included in the plan

Claim Process of Watania Takaful Health Insurance

Direct Billing within the Network

Watania Takaful has a direct billing facility for its approved medical network. This means you can receive treatment at network hospitals and clinics without paying upfront. 

The process is as follows —

1. Present your insurance card at the reception of the network healthcare provider
2. The provider will verify your details and coverage
3. Approved treatments are directly billed to the insurer

Reimbursement for Non-Network or International Claims

If you get treatment outside the network or during international travel, you may need to pay the medical bills upfront. 

The reimbursement process involves — 

1. Collecting all necessary documents, such as original invoices, medical reports, and proof of payment
2. Submitting these documents along with the claim form to the insurer or TPA (Third-Party Administrator)

The insurer then processes the claim and reimburses the amount as per policy terms. Reimbursement may be at 80-100% of the usual and customary rates, depending on the network and region.

Emergency Cases

For emergencies, treatment is generally covered without prior approval. However, you must inform the insurance provider or TPA within 24 hours of hospitalisation. 

The claim process includes — 

1. Providing all relevant documents post-treatment, such as discharge summaries, emergency admission reports, and medical invoices
2. Claims for emergencies are settled as per the policy's terms and conditions

Pre-Authorisation Requirements

Certain treatments, including inpatient services, surgeries, and specialised investigations, require prior approval. 

Here are the steps — 

1. The healthcare provider submits a request for pre-authorisation to the TPA
2. The TPA evaluates the request and provides approval if the treatment is covered
3. Pre-authorisation provides a smoother claim process and direct settlement

Documentation for Claims

The following documents are generally required for any claim — 

1. Completed claim form
2. Original invoices and payment receipts
3. Medical reports, including diagnosis and treatment details
4. Discharge summary in case of hospitalisation
5. Prescription and diagnostic test results (if applicable)

Timelines for Claim Submission

Claims must be submitted within the specified period, often 15-30 days from the date of treatment or discharge. Delayed submissions may result in claim rejection unless valid reasons are provided.

Claim Settlement Timeline

Once all documents are submitted, Watania Takaful usually processes claims within 7-14 working days. The time may vary depending on the complexity of the claim.

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Watania Takaful Health Insurance FAQ's