Takaful Emarat
Plan3-Yaqoot
The short version
NAS — RNWhat Plan3-Yaqoot does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 1,000,000
Medical network
NAS — RN
Consultation
Covered
Pharmacy
AED 7,500 with 15% co-pay
What is good
Good to know
Nothing we would flag on this plan — but read the Table of Benefits before you buy.
Get your price to download this plan's Table of Benefits and your quote.
Everything in the policy
Medical Network
NAS — RN
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)
10% up to AED 25 for General Practitioners; 20% up to AED 60 for Specialists.
Diagnostics & Laboratory Services
Covered with 10% Co-Pay
Medicine Limit
AED 7,500 with 15% Co-Pay
Maternity
In-patient maternity: 10% coinsurance, up to AED 12,500 for normal delivery and medically necessary C-Section, termination and complications (extends to the Annual Limit in an emergency). New-born cover 30 days from birth including BCG, Hepatitis B and neo-natal screening. Out-patient maternity: 10% coinsurance, up to 12 visits and 8 ante-natal ultrasound scans. Pregnancy must be declared in the MAF; undeclared pregnancy is pre-existing and carries an additional annual premium.
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 1,500
Physiotherapy
10 sessions per member per annum with Nil Co-Pay
Psychiatric Treatment
AED 10,000
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 AED 150,000 per member per year for declared pre-existing/chronic conditions (in the Medical Application Form) and newly diagnosed conditions during the policy period; undeclared pre-existing conditions are not covered during the policy period and will be underwritten at renewal; any form of cancer falls within the definition of chronic conditions.
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 10,000
Within the Network (Direct Billing)
Direct billing available. Reimbursement is also possible, settled at 80% of the usual and customary rates of the selected network plus the respective benefit copay/deductible as stated in the TOB.
Outside the Network (Reimbursement)
Reimbursement at 100% of actual costs or 100% of usual and customary rates (whichever is less) in countries where NAS is not present; 80% of actual costs or 80% of usual and customary rates (whichever is less) where NAS is present.
Adult Pneumococcal Conjugate Vaccine
The adult pneumococcal conjugate vaccine is covered as per DHA's adult pneumococcal conjugate vaccination guidelines. Dubai visa holders only.
Cancer Treatments
Cancer screening, healthcare services, investigations and treatment are covered on the terms, conditions and exclusions of the programme defined by DHA, and only for members enrolled in the Patient Support Program. Dubai visa holders only.
Cash indemnity for in-patient stays
If you are hospitalised for medically necessary treatment that the policy covers but you do not submit the claim to the insurer, you are paid AED 250 per night for a maximum of 10 nights. The claim must be submitted within 15 days after 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
Diagnosis and treatment of dental and gum emergencies is covered subject to 20% coinsurance. A dental emergency is an injury to your teeth or gums that puts you at risk of permanent damage - for example a chipped or broken tooth, a knocked-out tooth or soft-tissue injuries. Emergency cases only.
Hearing Emergencies
Hearing emergencies are covered subject to 20% coinsurance - for example an object or insect in the ear, a ruptured eardrum or sudden hearing loss. Emergency cases only.
Hepatitis B Virus Screening and treatment
Screening, healthcare services, investigations and treatment for viral hepatitis B and its associated complications are covered on the terms, conditions and exclusions of the programme defined by DHA, and only for members enrolled in the Patient Support Program. Dubai visa holders only.
Hepatitis C Infection
Screening, healthcare services, investigations and treatment for viral hepatitis C and its associated complications are covered on the terms, conditions and exclusions of the programme defined by DHA, and only for members enrolled in the Patient Support Program. Dubai visa holders only.
Influenza Vaccine
The influenza vaccine is covered once per year.
New Born baby coverage
A pregnant member's cover is extended to her newborn for 30 days from the date of birth, with the same benefits, whether or not the baby is later enrolled as a dependant. It includes BCG and hepatitis B vaccination and neo-natal screening tests (phenylketonuria, congenital hypothyroidism, sickle cell screening and congenital adrenal hyperplasia).
Preventive services (members over 18)
Preventive services are covered as per DHA regulations.
Organ transplantation (recipient only)
Organ transplant is covered up to AED 100,000 per person per year, subject to a 20% copay. Cover is for the recipient only: any cost related to the donor, and the acquisition and cost of the organ, are excluded. Organs covered are heart, lung, kidney, pancreas, liver, and allogeneic and autologous bone marrow.
Second Medical Opinion
Not coveredAccompanying person accommodation
A person accompanying the patient in the same room is covered at AED 350 per day, on the recommendation of the attending physician and subject to prior approval.
Vision Emergencies
Vision emergencies are covered subject to 20% coinsurance - for example bleeding or discharge from or around the eye, double vision, and total or partial loss of vision in one or both eyes. Emergency cases only.
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
- Diagnosis and treatment of dental and gum emergencies is covered subject to 20% coinsurance.
- Hearing Emergencies
- Hearing emergencies are covered subject to 20% coinsurance - for example an object or insect in the ear, a ruptured eardrum or sudden hearing loss.
- Vision Emergencies
- Vision emergencies are covered subject to 20% coinsurance - for example bleeding or discharge from or around the eye, double vision, and total or partial loss of…
- Mental Health
- Covered up to AED 800 with 30% Co-Pay Outpatient mental-health counselling is covered up to AED 800, with 30% coinsurance payable by the insured per visit.
Prevention & screening
Checks and vaccinations, before there is anything wrong- Adult Pneumococcal Conjugate Vaccine
- The adult pneumococcal conjugate vaccine is covered as per DHA's adult pneumococcal conjugate vaccination guidelines. Dubai visa holders only.
- Hepatitis B Virus Screening and treatment
- Screening, healthcare services, investigations and treatment for viral hepatitis B and its associated complications are covered on the terms, conditions and…
- Hepatitis C Infection
- Screening, healthcare services, investigations and treatment for viral hepatitis C and its associated complications are covered on the terms, conditions and…
- Influenza Vaccine
- The influenza vaccine is covered once per year.
- Preventive services (members over 18)
- Preventive services are covered as per DHA regulations.
- Herpes Zoster (Shingles) Vaccine
- The Shingrix vaccine is covered only for members who meet the eligibility criteria set by DHA, and only up to the cost of the vaccine and its administration.
Cash back and waived fees
Money paid back to you, and charges this plan does not make- Cash indemnity for in-patient stays
- If you are hospitalised for medically necessary treatment that the policy covers but you do not submit the claim to the insurer, you are paid AED 250 per night for a…
- 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 on the terms, conditions and exclusions of the programme defined by DHA, and only for…
- New Born baby coverage
- A pregnant member's cover is extended to her newborn for 30 days from the date of birth, with the same benefits, whether or not the baby is later enrolled as a…
- Organ transplantation (recipient only)
- Organ transplant is covered up to AED 100,000 per person per year, subject to a 20% copay. Cover is for the recipient only: any cost related to the donor, and the…
- Accompanying person accommodation
- A person accompanying the patient in the same room is covered at AED 350 per day, on the recommendation of the attending physician and subject to prior approval.
- Dialysis
- Covered up to AED 60,000 with 20% Co-Pay Dialysis is covered up to a limit of AED 60,000, subject to a 20% copay per visit.
- Parent Accommodation for child under 18 years of age
- Covered up to AED 350 A parent staying in hospital with a child under 18 years of age is covered at AED 350 per day.
Other benefits
Named in this plan's document and not easily grouped- NRI Benefit
- Indian nationals living in the UAE get cashless in-patient cover for planned treatment through a network of 16,000 hospitals in India, and can keep their cover if…
Named exclusions
Written into this plan's own document, so you do not find out later- Second Medical Opinion
- A second medical opinion is not covered under this plan.