Takaful Emarat
Silver Pearl - Lite
The short version
MEDNET — PearlWhat Silver Pearl - Lite does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
MEDNET — Pearl
Consultation
Covered with 20% co-pay
Pharmacy
AED 5,000 with no 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 — Pearl
Annual Limit per Person
AED 1,000,000
Area of Coverage
Worldwide
In-patient Services
Private room; ICU and coronary artery disease treatment covered
Out-patient Services
Physician consultation, diagnostics, prescribed drugs and physiotherapy covered as outpatient benefits
Hospital Accommodation
Private
Consultation Deductible (Co-Pay)
Covered with copay of 20% max AED 50 per consultation. No copay for 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 covered with 0% copay per invoice
Medicine Limit
AED 5,000 with Nil Co-Pay
Maternity
Normal delivery covered up to AED 10,000; medically necessary Caesarean Section and complications covered up to AED 10,000; maternity-related medical emergency expenses covered up to AED 150,000; outpatient maternity covered up to the annual limit. 10% co-payment applies on all maternity treatments including outpatient maternity consultation (no deductible). DHA antenatal screening tests covered as per protocol.
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
Not coveredPhysiotherapy
15 sessions per member per year, subject to prior approval with Nil Co-Pay
Psychiatric Treatment
AED 800
Routine Dental Benefits
AED 500 with 30% Co-Pay
Routine Optical Benefits
Not coveredPre-existing / Chronic Conditions
All pre-existing conditions must be declared in the medical application and are subject to medical underwriting. Declared pre-existing and chronic conditions are covered with a sub-limit of AED 150,000. Undeclared pre-existing conditions are not covered during the policy period and are underwritten at renewal.
Emergency Road Ambulance Services
Covered in medical emergency only, if followed by admission
Vaccination for Children (as per MOH, UAE)
As per MOH schedule; requires pre-authorization
Repatriation of Mortal Remains
AED 7,500
Within the Network (Direct Billing)
Covered (Free Access) within the network; outside UAE capped at 100% of UAE applicable network rates
Outside the Network (Reimbursement)
Reimbursement in South-East Asia: 100% of actual covered cost, capped at 100% of UAE applicable network rates. Elsewhere within scope of cover: 80% of actual covered cost, capped at 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.
Adult Pneumococcal Conjugate Vaccine
Covered as set out in the Adult Pneumococcal Vaccination guidelines, on a reimbursement basis.
Cancer Treatments
Screening, healthcare services, investigations and treatments are covered only for members enrolled under the Patient Support Program, as per the terms, conditions and exclusions of the programme defined by DHA.
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.
Hepatitis B Virus Screening and treatment
Screening and treatment covered as per DHA guidelines.
Hepatitis C Infection
Screening, healthcare services, investigations and treatments related to viral hepatitis and its complications are covered only for members enrolled under the Patient Support Program, as per the terms, conditions and exclusions of the programme defined by DHA.
Influenza Vaccine
Covered once per year as per DHA guidelines, at designated clinics only. For Dubai visa holders, on a reimbursement basis.
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 DHA benefit guidelines.
Out Patient Surgery
Covered.
Preventive services (members over 18)
Diabetic screening: fasting blood sugar and HbA1c tests are covered once per policy year for eligible members. Prior approval is required for the free-access facility.
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. 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
Not coveredOnly 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.
Prevention & screening
Checks and vaccinations, before there is anything wrong- Adult Pneumococcal Conjugate Vaccine
- Covered as set out in the Adult Pneumococcal Vaccination guidelines, on a reimbursement basis.
- Hepatitis B Virus Screening and treatment
- Screening and treatment covered as per DHA guidelines.
- Hepatitis C Infection
- Screening, healthcare services, investigations and treatments related to viral hepatitis and its complications are covered only for members enrolled under the…
- Influenza Vaccine
- Covered once per year as per DHA guidelines, at designated clinics only. For Dubai visa holders, on a reimbursement basis.
- Preventive services (members over 18)
- Diabetic screening: fasting blood sugar and HbA1c tests are covered once per policy year for eligible members.
- Herpes Zoster (Shingles) Vaccine
- Covered as per DHA guidelines.
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.
- Cancer Treatments
- Screening, healthcare services, investigations and treatments are covered only for members enrolled under the Patient Support Program, as per the terms, conditions…
- 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…
- Dialysis
- Covered up to AED 60,000 with 20% Co-Pay Covered up to AED 60,000 per year, subject to 20% co-payment per visit.
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- Work Related Injuries and Illness
- Not Covered