Takaful Emarat Individual Health Insurance

Takaful Emarat's individual health insurance plans encompass a range of benefits, including coverage for hospitalisation, surgeries, emergency treatments, and diagnostic procedures. With a commitment to Shariah-compliance, these plans align with Islamic principles, making them a suitable choice for individuals seeking ethical and responsible healthcare coverage.

Takaful Emarat's individual health insurance plans exemplify their dedication to providing financial protection and support for their customers' health and well-being. Let’s explore them in detail.

Takaful Emarat Health Insurance Plans

ECARE BLUE	Maternity Cover with outpatient and inpatient maternity services: Covered with 10% coinsurance Normal delivery and C-Section covered up to AED 10,000 Emergency conditions covered up to annual limit Newborn Cover: Extends benefits for a newborn for 30 days from birth Out-Patient Services: Repatriation of Mortal Remains to Home Country: Up to AED 5,000 Prescribed drugs and dressings: Up to AED 3,500 with 20% Co-Insurance In-Patient Services: Room Type: Semi-Private Pre-Existing and Chronic Conditions: Covered with a sub limit of AED 150,000 Other Services: Alternative Medicine: Covered up to AED 2,500/year Cancer Treatment: As per program terms Local road and air ambulance services: Covered Diagnostics (X-RAY, MRI, CT-SCAN): Covered up to AED 3,500 with 20% Co-Insurance Alternative Medicine: Covered up to AED 2,500/year Dental and gum treatment: Covered with 20% coinsurance Hearing and Vision Aid: Covered with 20% coinsurance Physiotherapy Treatment: 6 sessions/member/year with 20% Copay Region Coverage: UAE (Home country)
NEXTCARE RN3 Silver	Maternity Cover with outpatient and inpatient maternity services: Normal Delivery & C-Section: Up to AED 10,000 Covered with 10% coinsurance Emergency conditions up to annual limit Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to specialists Out-Patient Services: Repatriation: Not Covered Prescribed drugs: Up to AED 5,000 with 20% Co-Insurance In-Patient Services: Room Type: Semi-Private Pre-existing conditions: Covered up to AED 150,000 Cash indemnity benefit: Up to AED 2,000 Other Services: Cancer Treatment: As per program terms Vaccinations: Once per annum Ambulance: Covered Diagnostics: 20% Co-pay Psychiatry: Up to max AED 10,000 Hearing and Vision Aid: 20% coinsurance (Emergency Only) Physiotherapy Treatment: 8 sessions/member/year Region Coverage: Worldwide
MEDNET Silk Road	Maternity Cover: Normal Delivery: Up to AED 10,000 C-Section & Complications: Up to AED 10,000 Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to specialists in clinics Out-Patient Services: Newborn Cover: Per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: 20% Co-pay In-Patient Services: Room Type: Private Room Ambulance Service: Covered Emergency Treatment: 100% Covered Pre-existing conditions: Covered up to AED 150,000 if declared Parent Accommodation for child under 18 years: Up to AED 100 per night for children up to 16 years Repatriation of Mortal Remains to Home Country: Covered up to AED 7,500 Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 20% co-pay Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered in medical emergencies Hearing and Vision Aid: Covered in medical emergencies Physiotherapy Treatment: Covered with 20% co-pay Region Coverage: Worldwide
NAS - WN (Marjan)	Maternity Cover: 10% coinsurance, max 10 visits, 8 ante-natal scans Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to specialists in clinics In-Patient Services: Room Type: Private Ambulance Service: Covered Parent Accommodation for child under 18 years: AED 150/day Accompanying person in the same room: AED 150/day Pre-Existing and Chronic Conditions: Covered up to AED 150,000 if declared 6-month waiting period applies if no evidence of continuity of coverage Newly diagnosed conditions have no waiting period Network: NAS - VN (OP restricted to Clinics) Other Services: Prescribed Drugs & Medicines: Up to AED 5,000 with 15% Co-Insurance Cancer Treatment: As per DHA program Vaccinations (Adults): As per DHA guidelines Organ Transplant: Covered for recipient Preventive Services: As per DHA Regulations Vaccination for Children: Inside Network: 100% coverage, Outside Network: Covered on Network UCR Rates HCV Hepatitis C Virus Infection: As per DHA program Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 10% Co-pay Dental and gum treatment: Only in emergency Cases Hearing and Vision Aid: Only in emergency cases Physiotherapy Treatment: 6 sessions/member/year Region Coverage: Worldwide
MEDNET Emerald	Maternity Cover: Normal Delivery: Up to AED 10,000 C-Section & Complications: Up to AED 10,000 Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to hospital Out-Patient Services: Newborn Cover: Per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: 20% Co-pay In-Patient Services: Co-Payment: 20% on diagnostics and lab tests Room Type: Private Room Ambulance Service: Covered Emergency Treatment: 100% of Actual Covered Cost Pre-existing conditions: Covered up to AED 150,000 if declared Parent Accommodation for child under 18 years: Up to AED 100 per night for children up to 16 years Repatriation of Mortal Remains to Home Country: Covered up to AED 7,500 Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 20% co-pay Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered in medical emergencies Hearing and Vision Aid: Covered in medical emergencies Physiotherapy Treatment: Covered with 20% co-pay Region Coverage: Worldwide
NEXTCARE RN2 Iridium	Maternity Cover: Up to AED 12,500 Newborn cover: Up to 30 days from birth Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to hospital Out-Patient Services: Repatriation of Mortal Remains: Up to AED 10,000/person/year, reimbursement basis Prescribed drugs: Up to AED 5,000 with 20% Co-Insurance In-Patient Services: Room Type: Private Hospital Accommodation: AED 250/day, prior approval required Cash indemnity benefit: Up to AED 250/night, max 10 nights Pre-existing conditions: Covered up to AED 150,000 if declared Newly diagnosed conditions have no waiting period Limited to AED 1,000/person/year for alternative medicine with 20% Co-pay Dental and gum treatment: Up to AED 1,500 with 20% Co-pay Physiotherapy Treatment: 10 sessions/member/year Other Services: Home Nursing: Covered, up to AED 5,000/person/year Cancer Treatment: As per DHA program Vaccinations (Adults): Once per annum Local road and air ambulance services: Covered Diagnostics (X-RAY, MRI, CT-SCAN): 20% Co-pay Psychiatry: Up to max AED 10,000 Hearing and Vision Aid: 20% coinsurance (Emergency Only) Region Coverage: Worldwide
MEDNET Green	Maternity Cover: Normal Delivery: Up to AED 10,000 C-Section & Complications: Up to AED 10,000 Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to hospital Out-Patient Services: Newborn Cover: Per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: 20% Co-pay In-Patient Services: Co-Payment: 20% on diagnostics and lab tests Room Type: Private Room Ambulance Service: Covered Emergency Treatment: 100% of Actual Covered Cost Pre-existing conditions: Covered up to AED 150,000 if declared Parent Accommodation for child under 18 years: Up to AED 100 per night for children up to 16 years Repatriation of Mortal Remains to Home Country: Covered up to AED 7,500 Network: Mednet Green Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 20% co-pay Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered in medical emergencies Hearing and Vision Aid: Covered in medical emergencies Physiotherapy Treatment: Covered with 20% co-pay Region Coverage: Worldwide
NEXTCARE RN Gold	Maternity Cover with inpatient and outpatient services: Covered up to AED 12,500 Newborn Cover: Up to 30 days Covered with 10% coinsurance Up to AED 10,000 for normal delivery Up to AED 10,000 for C-Section and complications Emergency conditions covered up to annual limit Pregnancy declaration required Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to the hospital Out-Patient Services: Repatriation of Mortal Remains: Up to AED 10,000 Prescribed Drugs and Dressings: Covered up to AED 7,500 with 20% Co-Insurance In-Patient Services: Room Type: Private Room Pre-existing conditions covered up to AED 150,000 if declared Hospital accommodation: AED 350/day Cash indemnity benefit: Up to AED 200/night, max 10 nights Other Services: Home Nursing: Covered up to AED 5,000 Cancer Treatment: Per DHA program Vaccinations (Adults): Once per annum Local road and air ambulance services: Covered Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 20% Co-pay Psychiatry: Covered up to max AED 10,000 Alternative Medicine: Limited to AED 1,500 with 20% Copay Dental and Gum Treatment: Covered up to AED 2,500 with 20% Co-pay Hearing and Vision Aid: Covered with 20% coinsurance in emergencies Physiotherapy Treatment: 15 sessions per member per annum Region Coverage: Worldwide
NAS - SRN Opal	Maternity Cover: Covered with 10% coinsurance Max 15 visits and 8 ante-natal ultrasound scans In-patient Maternity Services: Co-Payment: 10% Covered with 10% coinsurance, up to AED 20,000 Emergency conditions covered up to annual limit Waiting Period: Maternity: 40 calendar days Pre-Existing Conditions: None if declared Hospital Access: Direct access to the hospital In-Patient Services: Room Type: Private Ambulance Service: Covered Parent Accommodation: AED 250/day Home Nursing: Covered up to Maximum AED 5,000 per person per annum Pre-Existing and Chronic Conditions: Covered up to AED 150,000 if declared No waiting period with continuity of coverage Network: NAS - SRN Other Services: Vision: Covered with 20% Co-pay, sub-limits apply In-patient (IP Services): Covered on Reimbursement, up to AED 250/night Deductible per Consultation: 10% up to AED 25 for GPs, 20% up to AED 60 for Specialists Prescribed Drugs & Medicines: Covered up to AED 5,000 with 15% Co-Insurance Cancer Treatment: Per DHA program Vaccinations (Adults): Per DHA guidelines Organ transplant: Covered for recipient only, excluding donor costs Organs covered: heart, lung, kidney, pancreas, liver, Allogeneic & autologous bone marrow Repatriation of Mortal Remains: Covered up to Maximum AED 10,000 per person per annum on Reimbursement basis with no copay Preventive services: As per DHA Regulations Vaccination for Children: Inside Network: 100% of Actual Cost Outside Network: Covered on Network UCR Rates HCV Hepatitis C Virus Infection: Covered as per DHA program Within the Network: Direct billing available, or reimbursement at 80% of usual & customary rates Outside the Network in Countries where NAS is not present: Reimbursement at 100% of actual costs or 100% of usual & customary rates, whichever is less Outside the Network in Countries where NAS is present: Reimbursement at 80% of actual costs or 80% of usual & customary rates, whichever is less Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 10% Co-pay Psychiatry: Outpatient Covered up to Maximum AED 1,500 per person per annum with 20% copay Inpatient Covered up to Maximum AED 6,000 per person per annum Alternative medicine: Limited to AED 1,000 per person per annum Dental and gum treatment: Covered with 20% coinsurance Hearing and Vision Aid: Covered with 20% coinsurance Physiotherapy Treatment: 8 sessions per member per annum Region Coverage: Worldwide
MEDNET Silver Classic	Maternity Cover: Normal Delivery up to AED 10,000 C-Section and complications up to AED 10,000 sub-limit Waiting Period: Maternity Waiting: 40 calendar days PED & Chronic Conditions: No waiting period Hospital Access: Direct access to hospital Out-Patient Services: New Born Cover per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: Covered with 20% Co-pay, max AED 50 In-Patient Services: Co-Payment: 20% on diagnostics and Laboratory Tests Room Type: Private Room Ambulance Service: Covered Emergency Treatment: 100% of Actual Covered Cost Pre-existing conditions: All declared Pre-existing and Chronic conditions covered up to AED 150,000 Undeclared pre-existing conditions not covered during the policy period, underwritten at renewal Parent Accommodation for child under 18 years: Covered, max AED 100/night for children up to 16 years Repatriation of Mortal Remains to Home Country: Covered up to AED 7,500 Network: Mednet Silver Classic Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 20% copay per invoice Alternative medicine: Covered on reimbursement up to AED 1,600 Dental and gum treatment: Covered in medical emergencies Hearing and Vision Aid: Covered in medical emergencies Physiotherapy Treatment: Covered with 20% copay per invoice Region Coverage: Worldwide
NAS - RN Yaqoot	Maternity Cover with inpatient services 10% Co-Payment Emergency expenses covered up to annual limit Waiting Period: Maternity: 40 days PED & Chronic Conditions: No waiting Hospital Access: Direct access In-Patient Services: Private Room Ambulance Service: Covered Parent Accommodation: AED 350/day Accompanying Person: AED 350/day Home Nursing: Covered up to AED 5,000 Pre-Existing and Chronic Conditions: Covered up to AED 150,000 No waiting if evidence of prior coverage, 6-month waiting otherwise Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 10% Co-pay Psychiatry: Outpatient: Max AED 1,500/year, 20% copay Inpatient: Max AED 6,000/year Alternative medicine: Limited to AED 1,500/year Dental and gum treatment: Covered with 20% coinsurance Hearing and Vision Aid: Covered with 20% coinsurance Physiotherapy Treatment: 8 sessions/year Region Coverage: Worldwide
NEXTCARE GN Gold Plus	Maternity Cover with inpatient and outpatient services: Newborn cover up to 30 days 10% coinsurance Emergency expenses up to annual limit Out-Patient Services: Repatriation of Mortal Remains: Max AED 15,000 Prescribed drugs and dressings: Up to AED 7,500, 20% Co-Insurance In-Patient Services: Private Room Hospital Accommodation: AED 400/day Pre-existing Conditions: Covered up to AED 150,000 Declare all pre-existing conditions Cash Indemnity Benefit: Max AED 200/night, up to 10 nights Other Services: Home Nursing: Max AED 7,500 Cancer Treatment: As per DHA Vaccinations (Adults): Once per annum Ambulance services: Covered Diagnostics (X-RAY, MRI, CT-SCAN): 20% Co-pay Psychiatry: Max AED 10,000 Alternative Medicine: Max AED 2,000, 20% Co-pay Dental and Gum Treatment: Up to AED 3,000, 20% Co-pay Hearing and Vision Aid: 20% coinsurance (Emergency only) Physiotherapy Treatment: 20 sessions per annum Region Coverage: Worldwide
MEDNET Silver Premium	Maternity Cover: Normal Delivery: Up to AED 10,000 C-Section & Complications: Up to AED 10,000 Waiting Period: Maternity: Within 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access to hospital Out-Patient Services: Newborn Cover: Per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: 20% Co-pay In-Patient Services: Co-Payment: 20% on diagnostics Private Room Ambulance Service: Covered Emergency Treatment: 100% covered cost Pre-existing Conditions: Declared: Sub-limit AED 150,000 Undeclared: Underwritten at renewal Parent Accommodation for Child: Max AED 100/night (up to 16 years) Repatriation of Mortal Remains: Up to AED 7,500 Diagnostics (X-RAY, MRI, CT-SCAN): 20% copay Alternative Medicine: Covered up to AED 1,600 (reimbursement) Dental and Gum Treatment: Covered in emergencies Hearing and Vision Aid: Covered in emergencies Physiotherapy Treatment: 20% copay Region Coverage: Worldwide
MEDNET Gold	Maternity Cover: Normal Delivery: Up to AED 10,000 C-Section & Complications: Up to AED 10,000 Waiting Period: Maternity: Within 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access to hospital Out-Patient Services: Newborn Cover: Per DHA guidelines Vaccinations (Adults): Covered Physician Consultation: 20% Co-pay In-Patient Services: Co-Payment: 20% on diagnostics Private Room Ambulance Service: Covered Emergency Treatment: 100% covered cost Pre-existing Conditions: Declared: Sub-limit AED 150,000 Undeclared: Underwritten at renewal Parent Accommodation for Child: Max AED 100/night (up to 16 years) Repatriation of Mortal Remains: Up to AED 7,500 Diagnostics (X-RAY, MRI, CT-SCAN): 20% copay Alternative Medicine: Covered up to AED 1,600 (reimbursement) Dental and Gum Treatment: Covered in emergencies Hearing and Vision Aid: Covered in emergencies Physiotherapy Treatment: 20% copay Region Coverage: Worldwide
NEXTCARE GN Platinum	Maternity Cover with inpatient and outpatient services: Newborn cover for 30 days 10% coinsurance Emergency expenses covered Waiting Period: Maternity: 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access Out-Patient Services: Repatriation: Up to AED 15,000, reimbursement Prescribed Drugs and Dressings: Up to AED 10,000, 20% coinsurance In-Patient Services: Private Room Pre-existing: Up to AED 150,000 Hospital Accommodation: AED 400/day, prior approval Cash Indemnity Benefit: Up to AED 300/night, max 10 nights, reimbursement Other Services: Home Nursing: Up to AED 7,500 Cancer Treatment: Per DHA terms Vaccinations: Once per annum Ambulance: Covered Diagnostics (X-RAY, MRI, CT-SCAN): 20% copay Psychiatry: Covered up to max AED 10,000 Alternative Medicine: Up to AED 2,000, 20% copay Dental and Gum Treatment: Up to AED 3,000, 20% copay Hearing and Vision Aid: 20% coinsurance, emergency only Physiotherapy Treatment: 20 sessions per annum Region Coverage: Worldwide
NAS - GN Diamond	Maternity Cover with inpatient services: Covered with 10% coinsurance Emergency expenses covered Waiting Period: Maternity: 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access to hospital In-Patient Services: Private room Ambulance Service: Covered Parent Accommodation for child under 18 years: AED 400/day Home Nursing: Up to AED 7,500, reimbursement Pre-Existing and Chronic Conditions: Covered up to AED 150,000 No waiting period with proof of continuity 6-month waiting period without proof Other Services: Vision: Covered with 20% Co-pay, various sub-limits In-Patient: Reimbursement up to AED 300/night, max 10 nights Prescribed Drugs: Up to AED 10,000, 15% Co-Insurance Cancer Treatment: Per DHA terms Vaccinations: Per DHA guidelines Organ Transplant: Recipient coverage, no donor or acquisition costs Second Medical Opinion: Access to renowned providers Repatriation of Mortal Remains: Up to AED 15,000, reimbursement Preventive Services: Per DHA Regulations Vaccination for Children: HCV Hepatitis C Virus Infection: Per DHA terms Diagnostics (X-RAY, MRI, CT-SCAN): 10% Co-pay Psychiatry: Outpatient: Up to AED 3,000, 20% copay Inpatient: Up to AED 10,000, reimbursement Alternative Medicine: Up to AED 2,000, reimbursement Dental and Gum Treatment: 20% coinsurance Hearing and Vision Aid: 20% coinsurance Physiotherapy Treatment: 10 sessions per annum Region Coverage: Worldwide
NEXTCARE GN+ Rhodium	Maternity Cover with inpatient and outpatient services: Newborn cover up to 30 days from birth 10% coinsurance Emergency expenses up to annual limit Waiting Period: Maternity: 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access Out-Patient Services: Repatriation of Mortal Remains: Up to AED 20,000, reimbursement Prescribed drugs: Up to AED 15,000, 20% Co-Insurance In-Patient Services: Private room Pre-Existing Conditions: Covered up to AED 150,000 No waiting period with proof of continuity 6-month waiting period without proof Hospital Accommodation: AED 450/day, prior approval Cash Indemnity Benefit: Up to AED 300/night, max 10 nights, reimbursement Other Services: Home Nursing: Up to AED 7,500, reimbursement Cancer Treatment: Per DHA terms Vaccinations: Once per annum Ambulance: Covered Diagnostics: 20% Co-pay Psychiatry: Up to max AED 10,000 Alternative Medicine: Up to AED 2,500, 20% Copay Dental and Gum Treatment: Up to AED 3,000, 20% Co-pay Hearing and Vision Aid: 20% coinsurance (emergency) Physiotherapy: 20 sessions per annum Region Coverage: Worldwide
NAS - CN Zumurrod	Maternity Cover: 10% coinsurance, max 15 visits, 8 ultrasound scans In-patient: 10% co-payment, up to AED 20,000 Emergency coverage up to annual limit Waiting Period: Maternity: 40 days not covered PED & Chronic: No waiting period Hospital Access: Direct access to hospital In-Patient Services: Private room Ambulance Service: Covered Parent Accommodation: AED 450/day Home Nursing: Up to AED 7,500, reimbursement Pre-Existing Conditions: Covered up to AED 150,000 No waiting period with proof of continuity 6-month waiting period without proof Other Services: Vision: 20% Co-pay, up to AED 1,500 In-patient (IP) Services: Up to AED 300/night, max 10 nights Deductible per Consultation: 10% up to AED 35 for GP, 20% up to AED 75 for Specialists Prescribed Drugs: Up to AED 15,000, 15% Co-Insurance Cancer Treatment: Per DHA terms Vaccinations: Per DHA guidelines Organ Transplant: Covered for recipient, excluding donor costs Second Medical Opinion: Access to renowned providers Repatriation of Mortal Remains: Up to AED 20,000, reimbursement Preventive Services: Per DHA Regulations Vaccination for Children: covered HCV Hepatitis C Virus Infection: Per DHA terms Diagnostics (X-RAY, MRI, CT-SCAN): Covered with 10% Co-pay Psychiatry: Outpatient: Up to max AED 3,000/person/yr, 20% copay Inpatient: Up to max AED 10,000/person/yr Alternative Medicine: Limited to AED 2,500/person/yr, 20% Copay Dental and Gum Treatment: 20% coinsurance Hearing and Vision Aid: 20% coinsurance Physiotherapy Treatment: 10 sessions per member per annum Region Coverage: Worldwide

Note: All these rates/premiums are indicative and may change depending upon an individual applicant’s medical background/coverage requirement/plans, etc.

More Takaful Emarat Health Plans

Takaful Emarat - Diamond

Takaful Emarat - Diamond AUH

Takaful Emarat - ECARE BLUE

Takaful Emarat - Emerald

Takaful Emarat - Emerald (AUH)

Takaful Emarat - Gold

Takaful Emarat - Gold (AUH)

Takaful Emarat - Gold Plus

Takaful Emarat - Green

Takaful Emarat - Green (AUH)

Takaful Emarat - Iridium

Takaful Emarat - Iridium AUH

Takaful Emarat - Marjan

Takaful Emarat - Marjan AUH

Takaful Emarat - Opal

Takaful Emarat - Opal AUH

Takaful Emarat - Platinum

Takaful Emarat - Platinum AUH

Takaful Emarat - Rhodium

Takaful Emarat - Rhodium AUH

Takaful Emarat - Silk Road

Takaful Emarat - Silk Road (AUH)

Takaful Emarat - Silver

Takaful Emarat - Silver AUH

Takaful Emarat - Silver Classic

Takaful Emarat - Silver Classic (AUH)

Takaful Emarat - Silver Premium

Takaful Emarat - Silver Premium (AUH)

Takaful Emarat - Yaqoot

Takaful Emarat - Yaqoot AUH

Takaful Emarat - Zumurrod

Takaful Emarat - Zumurrod AUH

Key Benefits of Takaful Emarat Individual Health Insurance

The following are the key benefits of Takaful Emarat individual health insurance

1. Prescription Drugs Coverage

Coverage for prescription medications up to AED 15,000.

2. Physiotherapy Sessions

Access to up to 20 physiotherapy sessions each year.

3. Dental Benefits

Dental benefits of up to AED 3,000 with the convenience of direct billing at network dental providers.

4. Optional Optical Coverage

Choice to include optical coverage, providing up to AED 1,500 in coverage for optical expenses.

5. Ethical and Shariah-Compliant

Takaful Emarat insurance operates on ethical principles and is Shariah-compliant, ensuring that insurance practices align with Islamic values.

6. No Interest Charges

Unlike conventional insurance, Takaful Emarat does not charge interest, making it an interest-free alternative for those who want to avoid riba (usury).

Eligibility Criteria for Takaful Emarat Individual Health Insurance

One can buy Takaful Emarat Individual Health Insurance if one fulfils the following eligibility criteria:

Categories	Eligibility Criteria
Minimum Entry Age	18 years

Inclusions of Takaful Emarat Individual Health Insurance

The general inclusions of Takaful Emarat Individual Health Insurance include (may vary on plan basis):

In-Patient Services
Hospital accommodation
Tests and diagnostics
Cost of medicine
Alternative medicine
Pathology, Chemotherapy, X-rays, etc.
Pre-existing and chronic conditions
Maternity benefits

Exclusions of Takaful Emarat Individual Health Insurance

The general exclusions of Takaful Emarat Individual Health Insurance (may vary on plan basis):

Cosmetic procedures
Self-harm or suicide-related injuries.
Injuries or illnesses resulting from illegal activities.
Cash-indemnity benefit

Learn more about Takaful Emarat individual health insurance plans in the following frequently asked questions section.

FAQ's

Ans: The hospital and clinical networks offered under Takaful Emarat individual health insurance plans are Nextcare RN3, Nextcare RN, Nextcare RN2, Nextcare GN, and Nextcare GN+.

Ans: Almost all the plans from Takaful Emarat offer regional and international coverage.

Ans: The health insurance plans from Takaful Emarat are active for 1 year.

Ans: You can effortlessly renew your Takaful Emarat individual health insurance plan via Policybazaar.ae.

Ans: The maternity benefit includes pre- and post-natal care, medically necessary C-section, pregnancy complications, normal delivery, and legally and medically essential terminations.