Takaful Emarat
Plan 2 GN
The short version
NEXTCARE — GNWhat Plan 2 GN does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
NEXTCARE — GN
Consultation
Covered with 20% co-pay
Pharmacy
AED 10,000 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 — GN
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
20% coinsurance, maximum AED 50 per consultation.
Diagnostics & Laboratory Services
Covered with 10% Co-Pay
Medicine Limit
AED 10,000 with 15% Co-Pay
Maternity
In-patient: covered subject to 10% coinsurance up to AED 20,000 (medically necessary expenses covered up to the annual aggregate limit if a condition develops into an emergency; pregnancy must be declared in the Medical Application Form). Out-patient: covered subject to 10% coinsurance, up to 15 visits and 8 ante-natal ultrasound scans (undeclared pregnancy not covered during the policy period; newborn covered for 30 days from birth).
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 2,500
Physiotherapy
20 sessions per member per annum
Psychiatric Treatment
AED 10,000
Home Nursing
AED 7,500
Routine Dental Benefits
AED 3,000 with 20% Co-Pay
Routine Optical Benefits
AED 1,500 with 20% Co-Pay
Pre-existing / Chronic Conditions
Covered up to AED 150,000 per member per year, subject to Medical Application Form declaration and medical underwriting; undeclared pre-existing conditions are not covered during the policy period.
Emergency Road Ambulance Services
Covered
Vaccination for Children (as per MOH, UAE)
Inside Network: 100% of Actual Cost. Outside Network: Covered on Network UCR Rates.
Repatriation of Mortal Remains
AED 15,000
Within the Network (Direct Billing)
Direct Billing available (reimbursement possible at 80% of usual and customary rates).
Outside the Network (Reimbursement)
Where NEXtCARE is present: reimbursement at 80% of actual or usual and customary rates, whichever is less. Where NEXtCARE is not present: reimbursement at 100% of actual or usual and customary rates, whichever is less.
Adult Pneumococcal Conjugate Vaccine
Covered as per the DHA Adult Pneumococcal Conjugate Vaccination guidelines — only for Dubai visa holders.
Cancer Treatments
Cancer screening, healthcare services, investigations and treatment are covered as per the terms, conditions and exclusions of the DHA programme — only for members enrolled in the Patient Support Program. Only for Dubai visa holders.
Cash indemnity for in-patient stays
If an in-patient stay is not claimed from the insurer, AED 300 per night is paid back, for up to 10 nights. 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 only, with 20% coinsurance. 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, with 20% coinsurance. Hearing emergencies include an object or insect in the ear, a ruptured eardrum and sudden hearing loss.
Hepatitis B Virus Screening and treatment
Screening, healthcare services, investigations and treatment are covered as per the terms, conditions and exclusions of the DHA programme, only for members enrolled in the Patient Support Program. Only for Dubai visa holders.
Hepatitis C Infection
Screening, healthcare services, investigations and treatment for viral hepatitis and complications related to Hepatitis C are covered as per the terms, conditions and exclusions of the DHA programme — only for members enrolled in the Patient Support Program. Only for Dubai visa holders.
Influenza Vaccine
Covered once a year, on reimbursement only, limited to the cost of the vaccine and giving it.
New Born baby coverage
A newborn is covered for 30 days from birth with the same benefits as the mother, whether or not the baby is later enrolled as a dependent. Includes BCG and Hepatitis B vaccination and neo-natal screening tests (phenylketonuria, congenital hypothyroidism, sickle cell screening, congenital adrenal hyperplasia).
Preventive services (members over 18)
Preventive services are covered as per DHA regulations.
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
Covered, subject to pre-approval — managed by Takaful Emarat.
Symptom Checker
Covered — available in the Nextcare app.
Accompanying person accommodation
AED 400 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, with 20% coinsurance. 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.
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 only, with 20% coinsurance. A dental emergency is an injury to teeth or gums risking permanent damage — chipped or broken teeth, a…
- Hearing Emergencies
- Hearing aids and hearing treatment are covered for emergencies only, with 20% coinsurance. Hearing emergencies include an object or insect in the ear, a ruptured…
- Symptom Checker
- Covered — available in the Nextcare app.
- Vision Emergencies
- Vision aids and vision correction by surgery or laser are covered for emergencies only, with 20% coinsurance.
Prevention & screening
Checks and vaccinations, before there is anything wrong- Adult Pneumococcal Conjugate Vaccine
- Covered as per the DHA Adult Pneumococcal Conjugate Vaccination guidelines — only for Dubai visa holders.
- Hepatitis B Virus Screening and treatment
- Screening, healthcare services, investigations and treatment are covered as per the terms, conditions and exclusions of the DHA programme, only for members enrolled…
- Hepatitis C Infection
- Screening, healthcare services, investigations and treatment for viral hepatitis and complications related to Hepatitis C are covered as per the terms, conditions…
- Influenza Vaccine
- Covered once a year, on reimbursement only, limited to the cost of the vaccine and giving it.
- Preventive services (members over 18)
- Preventive services are covered as per DHA regulations.
- Herpes Zoster (Shingles) Vaccine
- Covered only for members who meet the eligibility criteria set by DHA, limited to the cost of the vaccine and giving it.
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Cash indemnity for in-patient stays
- If an in-patient stay is not claimed from the insurer, AED 300 per night is paid back, for up to 10 nights.
- 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- Cancer Treatments
- Cancer screening, healthcare services, investigations and treatment are covered as per the terms, conditions and exclusions of the DHA programme — only for members…
- New Born baby coverage
- A newborn is covered for 30 days from birth with the same benefits as the mother, whether or not the baby is later enrolled as a dependent.
- 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
- Covered, subject to pre-approval — managed by Takaful Emarat.
- Accompanying person accommodation
- AED 400 per day for a person staying in the same room as the patient, on the attending physician's recommendation and subject to prior approval.
- Dialysis
- Covered up to AED 60,000 with 20% Co-Pay Dialysis is covered up to AED 60,000, with 20% co-pay per visit.
- Parent Accommodation for child under 18 years of age
- Covered up to AED 400 Accommodation for a parent staying with an insured child under 18 — AED 400 per day.