Takaful Emarat Medical Insurance Review

• https://takafulemarat.com/

Founded in 2008, Takaful Emarat (or Takaful Emarat Insurance PSC) provides a variety of Takaful (Islamic insurance) and investment products for both individuals and businesses.

The company is also licensed to provide the basic health insurance that is mandatory in the United Arab Emirates. They sell insurance for you and your family (including elderly parents), and for any domestic workers you might employ. Takaful Emarat offers medical plans for customers in Dubai, Abu Dhabi and the Northern Emirates.

Takaful Emarat was founded as a joint venture between Austrian composite insurer UNIQA and UAE insurer Al Buhaira National Insurance. At launch UNIQA’s stake in the joint venture was 15 percent, Al Buhaira had 20 percent, and other unnamed founders’ took 10 percent. The remaining 55 percent of Takaful Emarat’s capital was listed via an IPO on the Dubai Financial Market.

Takaful Emarat Contact details

Customer Service: 600522550

[email protected]

[email protected]

Head Office

Takaful Emarat – Insurance P.S.C

(Next to the FAB Metro Station)

P.O. Box No. 57589, Sheikh Zayed Road

Umm Al Sheif,

Dubai, UAE

Tel 600522550

Fax +971 4 230 9333

Abu Dhabi Office

P.O Box 33913, Hazaa Bin Zayed Street

4th Floor , Office No. 402, Al Wahda Commercial Centre

Emirates NBD Bank Building, Near Al Wahda Mall

Abu Dhabi, UAE

Tel 600522550

Sharjah Office

Office No. 305, Al Buhaira Building

Al Buhaira Corniche, Al Majaz

Sharjah, UAE

Tel 600522550

Opening hours:

Sunday to Wednesday: 8am to 5pm

Thursday: 8am to 3pm

Why buy Takaful Emarat

Takaful Emarat offers five health Takaful plans in Abu Dhabi and five in Dubai.

Abu Dhabi

The basic plan in Abu Dhabi is Silver which has an annual aggregate limit of AED 250,000, and offers worldwide coverage, it uses the NextCare RN3 medical network, semi-private rooms, AED 150 per day for parent accommodation (where a child is under 18), AED 150 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), emergency road ambulance services to and from hospital by registered ambulance services provider, AED 50 deductible per consultation (will not be applicable for follow-up within 7 days for same treatment and with same doctor), prescribed medicines annual limit of AED 5,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered without co-pay and up to aggregate annual limit, Pre-existing and chronic conditions are covered up to the annual limit (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 250 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, physiotherapy, dental and gum treatment, hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover, organ transplant, and a second medical opinion.

The Iridium plan in Abu Dhabi has an annual aggregate limit of AED 300,000, and offers worldwide coverage, it uses the NextCare RN2 medical network, private rooms, AED 250 per day for parent accommodation (where a child is under 18), AED 250 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 5,000 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, AED 50 deductible per consultation (will not be applicable for follow-up within 7 days for same treatment and with same doctor), prescribed medicines annual limit of AED 5,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered without co-pay and up to aggregate annual limit, pre-existing and chronic conditions are covered up to the annual limit (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 250 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, physiotherapy, dental and gum treatment, hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover, psychiatric treatment – AED 1,500 for outpatients and AED 6,000 for inpatients, organ transplant, AED 10,000 for repatriation of mortal remains, a second medical opinion, AED 1,500 dental benefit, AED 1,000 optical benefit, AED 1,000 alternative medicine.

The Gold plan in Abu Dhabi has an annual aggregate limit of AED 500,000, and offers worldwide coverage, it uses the NextCare RN medical network, private rooms, AED 350 per day for parent accommodation (where a child is under 18), AED 350 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 5,000 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, AED 50 deductible per consultation (will not be applicable for follow-up within 7 days for same treatment and with same doctor), prescribed medicines annual limit of AED 7,500 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered without co-pay and up to aggregate annual limit, pre-existing and chronic conditions are covered up to the annual limit (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 250 per night cash for in-patient treatment after hospitalisation up to 10 days (max), children’s vaccination, physiotherapy, dental and gum treatment, hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover, psychiatric treatment – AED 1,500 for outpatients and AED 6,000 for inpatients, organ transplant, AED 10,000 for repatriation of mortal remains, a second medical opinion, AED 2,500 dental benefit, AED 1,250 optical benefit, AED 1,500 alternative medicine.

The Platinum plan in Abu Dhabi has an annual aggregate limit of AED 750,000, and offers worldwide coverage, it uses the NextCare GN medical network, private rooms, AED 400 per day for parent accommodation (where a child is under 18), AED 400 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 7,500 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, AED 50 deductible per consultation (will not be applicable for follow-up within 7 days for same treatment and with same doctor), prescribed medicines annual limit of AED 10,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered without co-pay and up to aggregate annual limit, pre-existing and chronic conditions are covered up to the annual limit (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 300 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, physiotherapy, dental and gum treatment, hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover, psychiatric treatment – AED 3,000 for outpatients and AED 10,000 for inpatient, organ transplant, AED 15,000 for repatriation of mortal remains, a second medical opinion, AED 3,000 dental benefit, AED 1, 500 optical benefit, AED 2,000 alternative medicine.

The Rhodium plan in Abu Dhabi has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare GN+ medical network, private rooms, AED 450 per day for parent accommodation (where a child is under 18), AED 450 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 7,500 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, AED 50 deductible per consultation (will not be applicable for follow-up within 7 days for same treatment and with same doctor), prescribed medicines annual limit of AED 15,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered without co-pay and up to aggregate annual limit, pre-existing and chronic conditions are covered up to the annual limit (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 300 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, physiotherapy, dental and gum treatment, hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover, psychiatric treatment – AED 3,000 for outpatients and AED 10,000 for inpatients, organ transplant, AED 20,000 for repatriation of mortal remains, a second medical opinion, AED 3,000 dental benefit, AED 1, 500 optical benefit, AED 2,500 alternative medicine.

Dubai

The basic plan in Dubai is Silver which has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare RN3 medical network, semi-private rooms, AED 150 per day for parent accommodation (where a child is under 18), AED 150 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), emergency road ambulance services to and from hospital by registered ambulance services provider, 10% up to AED 15 deductible per GP consultation and 20% deductible up to AED 25 for specialists, prescribed medicines annual limit of AED 5,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) subject to 10% co-pay, pre-existing and chronic conditions are covered up to AED 150,000 (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 200 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, adult pneumococcal conjugate vaccine, 8  sessions of physiotherapy pa, 20% co-insurance for dental and gum treatment, 20% co-insurance for hearing and vision aids and surgery, healthcare for work injury and illness, maternity cover – AED 7000 normal delivery and AED 10,000 caesarian, 10% co-insurance for outpatient maternity services, and organ transplant.

The Iridium plan in Dubai has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare RN2 medical network, private rooms, AED 250 per day for parent accommodation (where a child is under 18), AED 250 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 5,000 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, 10% up to AED 25 deductible per GP consultation and 20% deductible up to AED 60 for specialists, prescribed medicines annual limit of AED 5,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered with 10% co-pay, pre-existing and chronic conditions are covered up to an annual limit of AED 150,000 (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 250 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, adult pneumococcal conjugate vaccine, 10 sessions of physiotherapy pa, 20% coinsurance for dental and gum treatment, 20% coinsurance for hearing and vision aids and surgery, healthcare for work injury and illness, AED 12,000 with 10% coinsurance for inpatient maternity cover, 10% coinsurance for outpatient maternity services, psychiatric treatment – AED 1,500 for outpatients and AED 6,000 for inpatient, organ transplant, AED 10,000 for repatriation of mortal remains, a second medical opinion, AED 1,500 dental benefit, AED 1,000 optical benefit, AED 1,000 alternative medicine.

The Gold plan in Dubai has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare RN medical network, private rooms, AED 350 per day for parent accommodation (where a child is under 18), AED 350 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 5,000 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, 10% up to AED 25 deductible per GP consultation and 20% deductible up to AED 60 for specialists, prescribed medicines annual limit of AED 7,500 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered with 10% co-pay, pre-existing and chronic conditions are covered up to an annual limit of AED 150,000 (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 250 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, adult pneumococcal conjugate vaccine, 15 sessions of physiotherapy pa, 20% coinsurance for dental and gum treatment, 20% coinsurance for hearing and vision aids and surgery, healthcare for work injury and illness, AED 12,500 with 10% coinsurance for inpatient maternity cover, 10% coinsurance for outpatient maternity services, psychiatric treatment – AED 1,500 for outpatients and AED 6,000 for inpatients, organ transplant, AED 10,000 for repatriation of mortal remains, a second medical opinion, AED 2,500 dental benefit, AED 1,250 optical benefit, AED 1,500 alternative medicine.

The Platinum plan in Dubai has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare GN medical network, private rooms, AED 400 per day for parent accommodation (where a child is under 18), AED 400 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 7,500 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, 10% up to AED 35 deductible per GP consultation and 20% deductible up to AED 75 for specialists, prescribed medicines annual limit of AED 10,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered with 10% co-pay, pre-existing and chronic conditions are covered up to an annual limit of AED 150,000 (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 300 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, adult pneumococcal conjugate vaccine, 20 sessions of physiotherapy pa, 20% coinsurance for dental and gum treatment, 20% coinsurance for hearing and vision aids and surgery, healthcare for work injury and illness, AED 20,000 with 10% coinsurance for inpatient maternity cover, 10% coinsurance for outpatient maternity services, psychiatric treatment – AED 3,000 for outpatients and AED 10,000 for inpatients, organ transplant, AED 15,000 for repatriation of mortal remains, a second medical opinion, AED 3,000 dental benefit, AED 1,500 optical benefit, AED 2,000 alternative medicine.

The Rhodium plan in Dubai has an annual aggregate limit of AED 1,000,000, and offers worldwide coverage, it uses the NextCare GN+ medical network, private rooms, AED 450 per day for parent accommodation (where a child is under 18), AED 450 per day for accommodation for an accompanying person in the same room as per recommendation of attending physician (subject to prior approval), AED 7,500 for home nursing following inpatient treatment, emergency road ambulance services to and from hospital by registered ambulance services provider, 10% up to AED 35 deductible per GP consultation and 20% deductible up to AED 75 for specialists, prescribed medicines annual limit of AED 15,000 PPPA subject to 15% co-insurance, diagnostics (x-ray MRI, CT-scan, ultra sound, endoscopy diagnosis services) is covered with 10% co-pay, pre-existing and chronic conditions are covered up to an annual limit of AED 150,000 (see their website for more details evidence of continuity), you can settle your claims by either direct billing and reimbursement (after copayments have been applied), AED 300 per night cash for in-patient treatment after hospitalization up to 10 days (max), children’s vaccination, adult pneumococcal conjugate vaccine, 20 sessions of physiotherapy pa, 20% coinsurance for dental and gum treatment, 20% coinsurance for hearing and vision aids and surgery, healthcare for work injury and illness, AED 20,000 with 10% coinsurance for inpatient maternity cover, 10% coinsurance for outpatient maternity services, psychiatric treatment – AED 3,000 for outpatients and AED 10,000 for inpatients, organ transplant, AED 20,000 for repatriation of mortal remains, a second medical opinion, AED 3,000 dental benefit, AED 1,500 optical benefit, AED 2,500 alternative medicine.

Value Added Extras

You can simplify your health insurance with the Android Joyful app (TEBO on Apple) from Takaful Emarat. This free app lets you quickly search your symptoms and find the clinic, treatments and benefits that suit you best.  You can also scan and save your hospital receipts and download claims forms, handbooks and useful documents.

You can choose between 1,400 health providers to find one that suits you best.

How to make a claim with Takaful Emarat

You can either call the Takaful at the phone numbers or email address above.

Before you make a claim, make sure you have:

1. Your policy details to hand, this includes your policy and membership numbers, as well as personal details
2. Details about the health care provider you’ve seen, your claim reimbursement form, your invoice and proof of payment, as well as the treatment, consultation or service you received
3. Documents that support your claim. If you’re going to submit online they should be in an electronic format
4. Your credit or debit card, or other preferred method of payment

FAQS