Takaful Emarat
Gold
The short version
MEDNET — Silver ClassicWhat Gold does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
MEDNET — Silver Classic
Consultation
Covered with AED 50 co-pay
Pharmacy
Covered with 20% co-pay
What is good
Good to know
Get your price to download this plan's Table of Benefits and your quote.
Everything in the policy
Medical Network
MEDNET — Silver Classic
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide
In-patient Services
Private room. Intensive care unit and coronary artery disease treatment covered. Accommodation for a person accompanying a beneficiary below 16 years of age covered up to AED 100 per night, on medical necessity and with prior approval.
Out-patient Services
Physician consultation, prescribed drugs and medicines, diagnostics (X-Ray, MRI, CT-Scan, ultrasound and endoscopy) and physiotherapy.
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
AED 50 per consultation. No co-pay on a follow-up consultation within 7 days for the same treatment with the same doctor.
Diagnostics & Laboratory Services
X-Ray, MRI, CT-Scan, ultrasound and endoscopy, per invoice. With Nil Co-Pay
Medicine Limit
Covered up to the Annual Benefit Limit, per invoice. With 20% Co-Pay
Maternity
Inside Abu Dhabi: combined in-patient and out-patient limit up to the Annual Benefit Limit; AED 500 deductible for delivery inside Abu Dhabi as per HAAD. Outside Abu Dhabi: combined in-patient and out-patient limit of AED 10,000; same out-patient deductible as the selected plan applies to maternity consultations. Covers pre and post natal care, normal delivery, medically necessary caesarean section, complications and legal terminations. In-patient treatment requires prior approval.
Abu Dhabi law excludes pregnancy and delivery cover for women enrolled as unmarried (Law 23/2005, Art. 13(5)).
Women and maternity on this plan
Women's premiums on this plan are higher than men's, whether or not they are married.
Get a quote to see the amount for your family.
Alternative Medicines
AED 1,600
Physiotherapy
Fully covered, subject to prior approval. With Nil Co-Pay
Routine Dental Benefits
AED 3,500 with 20% Co-Pay
Routine Optical Benefits
Not coveredPre-existing / Chronic Conditions
All pre-existing medical conditions must be declared in the Medical Application Form and are subject to medical underwriting; undeclared pre-existing conditions are not covered during the policy period and are underwritten at renewal.
Emergency Road Ambulance Services
In a medical emergency only and if followed by admission.
Vaccination for Children (as per MOH, UAE)
As per the MOH schedule. Requires pre-authorization.
Repatriation of Mortal Remains
AED 7,500
Within the Network (Direct Billing)
Free access within the network. Outside the UAE, covered up to a maximum of 100% of UAE applicable network rates.
Outside the Network (Reimbursement)
Reimbursement in SEA: 100% of actual covered cost, subject to a maximum of 100% of UAE applicable network rates. Elsewhere within the territorial scope of cover: 80% of actual covered cost, subject to a maximum of 80% of UAE applicable network rates.
Emergency Treatment
Emergency treatment is paid at 100% of the actual covered cost, both within and outside the network.
Follow-up consultation co-pay (within 7 days)
No co-payment on a follow-up consultation within 7 days for the same treatment with the same doctor.
Coverage Criteria for Treatment outside UAE
Treatment outside the UAE is covered for up to 90 days per treatment. A single holiday or business trip may not exceed 90 days.
Day care Treatment
Covered.
Dental, hearing & vision aids, vision correction
Dental and gum treatment, hearing and vision aids, and vision correction by surgery or laser are covered in medical emergencies only.
Emergency dental (accidental damage)
Covered when the treatment is needed within three months following accidental damage to sound natural teeth caused by violent external means, and is given by a physician, dentist or dental surgeon. No treatment is covered more than 3 months after the accident. Treatment needed because of food or drink, or foreign bodies contained in food or drink, is not covered.
Emergency Mental health Treatments
Covered.
Intensive care & coronary artery disease
Covered.
New Born baby coverage
Babies born inside or outside the UAE are covered from the date of birth on the mother's card for the first 30 days, up to the mother's annual benefit limit. A newborn is added to the main policy only when the policyholder asks for it, and is subject to medical underwriting. Cover for newborns follows HAAD benefit guidelines.
Out Patient Surgery
Covered.
Preventive services (members over 18)
Not coveredOrgan transplantation (recipient only)
Covered for the member as the recipient. Any charges related to the donor are excluded, as are the acquisition and the cost of the organ itself. Organs covered are: heart, lung, kidney, pancreas, liver, and allogeneic and autologous bone marrow.
Accompanying person accommodation
Covered up to AED 100 per night for one person staying in the same room with a beneficiary under 16 years of age, where it is medically necessary, recommended by the treating doctor and approved in advance.
Work Related Injuries and Illness
Covered.
Only on this plan
Benefits this plan adds beyond the rows compared above.
Everyday care
Out-patient care you are likely to use in a normal year- Dental, hearing & vision aids, vision correction
- Dental and gum treatment, hearing and vision aids, and vision correction by surgery or laser are covered in medical emergencies only.
- Emergency dental (accidental damage)
- Covered when the treatment is needed within three months following accidental damage to sound natural teeth caused by violent external means, and is given by a…
- Emergency Mental health Treatments
- Covered.
- Out Patient Surgery
- Covered.
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Follow-up consultation co-pay (within 7 days)
- No co-payment on a follow-up consultation within 7 days for the same treatment with the same doctor.
Hospital and recovery
What the plan does around a hospital stay- Emergency Treatment
- Emergency treatment is paid at 100% of the actual covered cost, both within and outside the network.
- Coverage Criteria for Treatment outside UAE
- Treatment outside the UAE is covered for up to 90 days per treatment. A single holiday or business trip may not exceed 90 days.
- Day care Treatment
- Covered.
- Intensive care & coronary artery disease
- Covered.
- New Born baby coverage
- Babies born inside or outside the UAE are covered from the date of birth on the mother's card for the first 30 days, up to the mother's annual benefit limit.
- Organ transplantation (recipient only)
- Covered for the member as the recipient. Any charges related to the donor are excluded, as are the acquisition and the cost of the organ itself.
- Accompanying person accommodation
- Covered up to AED 100 per night for one person staying in the same room with a beneficiary under 16 years of age, where it is medically necessary, recommended by the…
- Work Related Injuries and Illness
- Covered.
Other benefits
Named in this plan's document and not easily grouped- NRI Benefit
- Covered. Cashless in-patient-only benefit for planned treatment, with access to a 16,000-hospital network in India.
Named exclusions
Written into this plan's own document, so you do not find out later- Preventive services (members over 18)
- Not Covered