Watania Takaful (Noor Takaful) Critical Illness Health Insurance

A Shariah-compliant insurance company, Watania Takaful offers a plethora of health insurance plans to help individuals fulfil their health requirements without worrying about expenses. With its comprehensive health insurance plans, you can also avail of coverage for several critical diseases such as cancer, hepatitis C, and more.

Before knowing which plans offer these benefits, it is important to understand what a critical illness cover is. Let’s find out more about this cover as well as the top Watania Takaful health insurance plans covering the same in the following sections.

An Overview of Critical Illness Health Insurance

A critical illness health insurance plan provides additional coverage for critical medical emergencies such as heart attacks, cancer, stroke, Parkinson’s Disease, and more. This insurance coverage offers the much-needed financial safety cushion in case the policyholder faces a life-threatening disease.

When an insured individual is diagnosed with a critical illness, the insurance provider offers a lump sum amount that helps them undergo the treatment. With this cover, one can also have their lost income covered.

Reasons Why Critical Illness Health Insurance is Necessary

Listed below are the major reasons to opt for critical illness health insurance -

Covers the Medical Expenses and Other Treatment Costs - With a critical illness health insurance plan in place, it becomes easier to cover the rising medical expenses, consultations, and hospitalisation, especially if the insured individual is the sole breadwinner.
Regain Your Lost Income - When diagnosed with a life-threatening disease, seeking medical help is extremely important. The expenses, however, can mount quickly in such cases, which can deplete the insured’s savings and income. Moreover, with critical illnesses, it can be challenging to continue working, which can lead to a loss of income. A critical insurance health insurance cover can offer full or fixed payments to help cover this loss of income. This way, you can also avoid or minimise the depletion of your savings.
Support for Monthly Expenses - If you have responsibilities and liabilities like loan repayments, you can certainly be affected in terms of managing them due to your health issues and income loss owing to the critical illness. A critical insurance cover provides a fixed payout to handle these financial obligations without additional burden.
Additional Financial Support - Critical insurance offers extra financial aid beyond your primary health insurance cover. It includes a wide range of disorders and illnesses that are not covered by basic health policies. As a result, you can deal with such serious medical conditions without being burdened by their hefty expenses.
Affordable Premiums - Critical illness health insurance is now more accessible and affordable than commonly believed. Technological advancements and government regulations have made these policies easily available at reasonable rates.

Features of Critical Illness Health Insurance

Discussed below are the general features of critical illness health insurance -

Comprehensive Coverage - A critical illness health insurance plan covers all the major life-threatening diseases including but not limited to stroke, cancer, heart attack, end-age renal failure, and so on.
Income Replacement - This type of health insurance plan offers a payout to the insured individual so that they can handle their regular expenses and financial obligations.
Avail of Lump Sum Payout - When the treatment is going on, the insured and their family can receive a lump sum payment from the insurance company, eliminating the excessive out-of-the-pocket expenses.
Simple Application Process - It’s quite easy to apply for a critical illness health insurance plan, with minimal paperwork involved. This also extends to the claim settlement process, with most of the leading insurance providers having an easy process.

Major Illnesses Covered under Critical Illness Health Insurance

Listed below are the major common critical illnesses covered under critical illness health insurance plans-

Stroke
Heart attack
Kidney failure
Alzheimer’s disease
Parkinson’s disease
Muscle dystrophy

Encephalitis
Poliomyelitis
Brain surgery
Chronic lung disease
Chronic liver disease
Motor neuron disease
Coma
Loss of speech
Multiple sclerosis
Hepatitis
Cancer
Heart valve replacement because of physical defects
Aorta surgery
Major organ transplantation (lungs, kidney, heart, etc.)
Pulmonary arterial hypertension
Permanent or total blindness
Permanent or total deafness
Permanent loss of speech
Third-degree burns or severe burns
Benign brain tumour
Bacterial meningitis
Universal necrosis of the brain cortex or Apallic syndrome

General Exclusions under Critical Illness Health Insurance Plans

Check out the general exclusions of critical illness health insurance plans -

Critical illnesses diagnosed during the waiting tenure
Dental treatments and cosmetic surgeries
Critical conditions associated with pregnancy and childbirth
Conditions like HIV AIDS
Illnesses due to self-harm, consumption of harmful substances, or suicide attempt
Disorders or illnesses due to war, terrorism, military operations, etc.

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

Top Comprehensive Watania Takaful (Previously Noor Takaful) Health Insurance Plans

Let’s go through the top comprehensive Watania Takaful health insurance plans that may provide critical illness health insurance coverage -

Plan Name	Benefits
Silk Road - Family Care Plan	Medical Cover Limit - Up to AED 1,000,000 per year Pharmacy Limit - Up to the annual medical cover limit Network - Silk Road Hospital Accommodation - Private Room Intensive Care Unit and Coronary Artery Disease Treatment - Covered Therapies like Chemotherapy, Physiotherapy, Radiation Therapy, and more - Covered Recipient Organ Transplantation Facility - Covered Cancer Treatment - Covered as per DHA’s Guidelines HCV Hepatitis C Virus Infection Treatment - Covered according to DHA’s Guidelines
Green - Family Care Plan	Medical Cover Limit - Up to AED 1,000,000 per annum Pharmacy Limit - Covered up to the Annual Medical Limit Network - Green Geographical Coverage Scope - Worldwide Pre-existing and Chronic Medical Conditions - Covered Accommodation - Private Room Treatments such as Chemotherapy, Physiotherapy, Radiation Therapy, and More - Covered ICU and Coronary Artery Disease Treatment - Covered Organ Transplantation Service - Covered Cancer Treatment (including Screening, Investigation, Healthcare Services, and Treatments for members registered under Patient Support Program) - Covered based on the DHA’s Guidelines HCV Hepatitis C Virus Infection Treatment (including Screening, Investigation, Healthcare Services, and Treatments for members registered under Patient Support Program) - Covered as per the DHA’s Guidelines
Silver Classic - Family Care Plan	Medical Cover Limit - Up to AED 1,000,000 per annum Pharmacy Limit - Covered up to the Annual Medical Limit Network - Silver Classic Territorial Coverage Scope - Global Coverage Pre-Existing and Chronic Medical Conditions - Covered Treatment Benefits for Therapies like Chemotherapy, Physiotherapy, Radiation Therapy, and More - Covered Accommodation - Private Room ICU and Coronary Artery Disease Treatment Benefit - Covered Organ Transplantation Service (except for the donor) - Covered Cancer Treatment (including Diagnostics, Healthcare Services, and Treatments for members registered under Patient Support Program) - Covered based on the DHA’s Guidelines HCV Hepatitis C Virus Infection Treatment (including Screening, Diagnostics, Healthcare Services, and Treatments for members registered under Patient Support Program) - Covered based on the DHA’s Guidelines
Silver Premium - Family Care Plan	Annual Medical Cover Limit - Up to AED 1,000,000 Medical Cover Limit - Up to the yearly medical cover limit Territorial Scope of Coverage - Worldwide Network - Silver Premium Hospitalisation Room - Private Room Cancer Treatment (includes Screening, Diagnostics, Healthcare Services, and Treatments only for the members registered under Patient Support Program) - Covered as per the DHA’s Guidelines Hepatitis C Virus Infection Treatment (includes services like Disease Screening, Diagnostics, Healthcare Services, and Treatments. These services are available only for the members enrolled under Patient Support Program) - Covered as per the DHA’s Guidelines Therapy Treatments like Chemotherapy, Physiotherapy, Radiation Therapy, and more - Covered ICU and Coronary Artery Disease Treatment - Covered Emergency Ambulance Services - Covered Pre-existing and Chronic Medical Conditions - Covered
Gold - Family Care Plan	Yearly Medical Cover Limit - Up to AED 1,000,000 Pharmacy Cover - Up to the annual Medical Cover limit Network - Gold Territorial Coverage Scope - Worldwide Pre-Existing and Chronic Medical Conditions - Covered up to the limit of AED 150,000 (only declared medical conditions covered) Hospitalisation Room - Private Room HCV Hepatitis C Virus Infection Treatment (includes cover for Screening, Diagnostics, Healthcare Services, and Treatments for Members Registered under the Patient Support Program) - Covered as per DHA’s Guidelines Cancer Treatment (includes cover for Screening, Diagnostics, Healthcare Services, and Treatments for Members Registered under the Patient Support Program) - Covered as per DHA’s Guidelines Emergency Ambulance Services - Covered Intensive Care Unit and Coronary Artery Disease Treatment - Covered Organ Transplantation Service (except for donor) - Covered Therapies like Chemotherapy, Radiation Therapy, Physiotherapy, and more - Covered

Things to Take into Consideration When Applying for Health Insurance

To get the best critical illness health insurance plan for yourself, take the following points into consideration before applying -

Sum Assured - Insurance experts suggest that it is better to go for a higher coverage amount to ensure that your financial burdens are handled smartly in case of an emergency.
Check the Sub-limits - Before making a decision to purchase a critical illness health insurance plan, it is essential to check for the sub-limits under your chosen plan(s). It is so because these limits affect the amount of coverage that you will get in real time for a specific medical benefit.
Type of Insurance Coverage You Opt for - A critical illness cover can be bought as a standalone policy as well as an add-on to your existing health insurance plan. To make a decision about it, go through the plan’s terms and conditions and carefully check the benefits provided.
Exclusions and Inclusions - To avoid the case where your claim is rejected because your condition is not covered under the plan, it’s necessary to check the inclusions and exclusions provided under a critical illness health insurance plan. Find out what different diseases are covered and what all is not included before making the final decision.
Renewal - Most health insurance plans in the UAE have a tenure of 1 year after which they need to be renewed. However, when it comes to critical illness health insurance, there might be a limit on the maximum age for policy renewal.
Age - This is yet another important factor that influences your critical illness health insurance purchase. Most critical illness health insurance providers have a maximum age limit, considering that health issues tend to increase with age. Due to this, critical illness insurance cover for seniors is usually more expensive than that for younger policy buyers. Thus, make sure that you buy an insurance plan that aligns with your age and health.

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Frequently Asked Questions

Ans: This type of health insurance is beneficial for anyone who is over 40 years old or the sole breadwinner. It is also crucial for individuals with a critical illness history in their families.

Ans: Most insurance providers offer this cover before the diagnosis. However, you can check with your provider for the same too.

Ans: Factors like your age, current health condition, city, and annual income tend to affect your critical illness health insurance coverage.