Takaful Emarat
Gold
The short version
NEXTCARE — RNWhat Gold does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 500,000
Medical network
NEXTCARE — RN
Consultation
Covered with AED 50 co-pay
Pharmacy
AED 7,500 with 15% 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
NEXTCARE — RN
Annual Limit per Person
AED 500,000
Area of Coverage
Worldwide
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
AED 50 deductible per consultation; not applicable for follow-up within 7 days for the same treatment with the same doctor.
Diagnostics & Laboratory Services
X-ray, MRI, CT-scan, ultrasound and endoscopy diagnostic services covered without co-pay and up to the aggregate annual limit.
Medicine Limit
AED 7,500 with 15% Co-Pay
Maternity
In-patient: inside the Emirate of Abu Dhabi covered up to the policy annual limit (in-patient and out-patient); delivery inside Abu Dhabi is subject to an AED 500 deductible as per HAAD law. Outside Abu Dhabi (within UAE): normal delivery up to AED 10,000, C-section and maternity complications up to AED 12,000, maternity-related medical emergency up to the annual limit. Out-patient: covered up to the annual limit subject to the plan's consultation deductible. 6-month waiting period for delivery on first membership, unless you show continuous cover
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
Married women pay an extra maternity premium on this plan; single women pay the standard price.
Get a quote to see the amount for your family.
Alternative Medicines
AED 1,500
Physiotherapy
Covered, subject to pre-approval.
Psychiatric Treatment
Out-patient covered up to AED 1,500 per person per annum and in-patient covered up to AED 6,000 per person per annum.
Home Nursing
AED 5,000
Routine Dental Benefits
AED 2,500 with 20% Co-Pay
Routine Optical Benefits
AED 1,250 with 20% Co-Pay
Pre-existing / Chronic Conditions
Covered up to the annual limit; no waiting period if evidence of continuity of coverage is provided, otherwise a 6-month waiting period applies on the first scheme membership to in-patient treatment for diabetes mellitus, arterial diseases, COPD, all cancer cases, neurosurgery, cerebrovascular diseases and all delivery cases (maternity); covered subject to member declaration.
Emergency Road Ambulance Services
Emergency road ambulance services to and from hospital by a registered ambulance services provider.
Vaccination for Children (as per MOH, UAE)
As per MOH, UAE. Inside network: 100% of actual cost. Outside network: UCR basis.
Repatriation of Mortal Remains
AED 10,000
Within the Network (Direct Billing)
Direct billing available. Reimbursement is also possible but will be settled at 80% of the usual and customary rates of the selected network.
Outside the Network (Reimbursement)
In countries where NEXtCARE is not present: reimbursement at 100% of actual costs (subject to being reasonable) or 100% of the usual and customary rates of the network, whichever is less. In countries where NEXtCARE is present: reimbursement at 80% of actual costs or 80% of the usual and customary rates of the network, whichever is less.
Cash indemnity for in-patient stays
AED 250 per night is paid back on reimbursement for in-patient treatment, for up to 10 nights, for a stay of up to 15 days. The claim must be submitted within 15 days of discharge with proof of hospitalisation including a discharge summary.
Follow-up consultation co-pay (within 7 days)
No consultation deductible is charged for a follow-up within 7 days for the same treatment with the same doctor.
Dental, hearing & vision aids, vision correction
Emergency dental and gum treatment is covered. A dental emergency is an injury to teeth or gums risking permanent damage — chipped or broken teeth, a knocked-out tooth, soft-tissue injuries and similar.
Hearing Emergencies
Hearing aids and hearing treatment are covered for emergencies only. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden hearing loss.
Organ transplantation (recipient only)
Covers the patient as the recipient of an organ transplant. Costs relating to the donor, and the cost of acquiring the organ, are not covered. Organs covered: heart, lung, kidney, pancreas, liver, and allogeneic and autologous bone marrow.
Second Medical Opinion
Members can use the Nextcare mobile app to have a world-renowned provider re-review an earlier diagnosis, medical history and treatment plan. Non-emergency cases only.
Symptom Checker
Covered — available in the Nextcare app.
Accompanying person accommodation
AED 350 per day for a person staying in the same room as the patient, on the attending physician's recommendation and subject to prior approval.
Vision Emergencies
Vision aids and vision correction by surgery or laser are covered for emergencies only. Vision emergencies include bleeding or discharge from or around the eye, double vision, and total or partial loss of vision in one or both eyes.
Work Related Injuries and Illness
Healthcare for work-related illnesses and injuries is covered, as required by UAE Federal Law No. 8 of 1980 on the Regulation of Work Relations, as amended.
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
- Emergency dental and gum treatment is covered. A dental emergency is an injury to teeth or gums risking permanent damage — chipped or broken teeth, a knocked-out…
- Hearing Emergencies
- Hearing aids and hearing treatment are covered for emergencies only. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden…
- Symptom Checker
- Covered — available in the Nextcare app.
- Vision Emergencies
- Vision aids and vision correction by surgery or laser are covered for emergencies only. Vision emergencies include bleeding or discharge from or around the eye,…
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Cash indemnity for in-patient stays
- AED 250 per night is paid back on reimbursement for in-patient treatment, for up to 10 nights, for a stay of up to 15 days.
- Follow-up consultation co-pay (within 7 days)
- No consultation deductible is charged for a follow-up within 7 days for the same treatment with the same doctor.
Hospital and recovery
What the plan does around a hospital stay- Organ transplantation (recipient only)
- Covers the patient as the recipient of an organ transplant. Costs relating to the donor, and the cost of acquiring the organ, are not covered.
- Second Medical Opinion
- Members can use the Nextcare mobile app to have a world-renowned provider re-review an earlier diagnosis, medical history and treatment plan.
- Accompanying person accommodation
- AED 350 per day for a person staying in the same room as the patient, on the attending physician's recommendation and subject to prior approval.
- Work Related Injuries and Illness
- Healthcare for work-related illnesses and injuries is covered, as required by UAE Federal Law No. 8 of 1980 on the Regulation of Work Relations, as amended.
- Parent Accommodation for child under 18 years of age
- Covered up to AED 350 Accommodation for a parent staying with an insured child under 18 — AED 350 per day.