Takaful Emarat
ECARE BLUE 4
The short version
ECARE — Ecare BlueWhat ECARE BLUE 4 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 150,000
Medical network
ECARE — Ecare Blue
Consultation
20% Max AED 25 with 20% co-pay
Pharmacy
AED 7,500 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
ECARE — Ecare Blue
Annual Limit per Person
AED 150,000
Area of Coverage
UAE (Home country (IP only at ISC + SEA excluding China, Japan, HK, Taiwan, Thailand, Singapore) Covered for IP subject to UAE R&C selected Network rates and with prior-approval.
In-patient Services
Covered
Out-patient Services
Covered
Hospital Accommodation
Semi-Private
Consultation Deductible (Co-Pay)
20% Max AED 25 with 20% Co-Pay
Diagnostics & Laboratory Services
Covered with Nil Co-Pay
Medicine Limit
AED 7,500 with Nil Co-Pay
Maternity
In-patient: covered subject to 10% coinsurance, up to AED 10,000 for normal delivery and up to AED 10,000 for medically necessary C-Section, termination and complications (emergency-related costs covered up to the annual aggregate limit); includes new-born cover for 30 days from birth. Out-patient: covered subject to 10% coinsurance, up to a maximum of 8 visits and 3 ante-natal ultrasound scans.
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
6 sessions per member per annum with 20% Co-Pay
Psychiatric Treatment
AED 800 with 30% Co-Pay
Routine Dental Benefits
AED 500 with 30% Co-Pay
Routine Optical Benefits
Not coveredPre-existing / Chronic Conditions
Covered up to a limit of AED 150,000 per member per year; must be declared in the Medical Application Form (MAF) and is covered without a waiting period subject to medical underwriting; undeclared pre-existing conditions are not covered during the policy period and will be underwritten at renewal.
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 5,000
Specialist access
A GP referral is required before specialist access. Out-patient access is restricted to clinics.
Within the Network (Direct Billing)
Direct billing available. Reimbursement is also possible but will be settled at 80% of the usual & customary rates of the selected Network.
Outside the Network (Reimbursement)
Countries where E Care is not present: reimbursement at 100% of actual costs or 100% of the usual & customary rates of the network, whichever is less. Countries where E Care is present: 80% of actual costs or 80% of those rates, whichever is less.
Adult Pneumococcal Conjugate Vaccine
Covered as per DHA Adult Pneumococcal Conjugate Vaccination guidelines. Only for Dubai visa holders.
Air-Ticket for Insured Member
A return air ticket for the insured member is covered to their home country, subject to pre-approval, where the cost of the treatment outside the UAE is 40% compared to treatment in the UAE for the applicable network tariff. In-patient benefit only, on reimbursement basis only. The ticket cost is a maximum of AED 1,500.
Cancer Treatments
Cancer treatment screening, healthcare services, investigations and treatments are covered as per the terms, conditions and exclusions of the programme defined by DHA, only for members enrolled under the Patient Support Program. Only for Dubai visa holders.
Follow-up consultation co-pay (within 7 days)
No consultation deductible applies to a follow-up within 7 days for the same treatment with the same doctor.
Dental, hearing & vision aids, vision correction
Diagnostic and treatment services for dental and gum treatments, emergency cases only, are covered subject to 20% coinsurance. A dental emergency is any injury to your teeth or gums that can put you at risk of permanent damage, such as chipped or broken teeth, a knocked-out tooth, or soft-tissue injuries.
Health check up
An annual health check-up is covered once a year at selected network clinics, with a deductible of AED 150, subject to prior approval from Takaful Emarat / Ecare.
Hearing Emergencies
Hearing and vision aids, and vision correction by surgery and laser, emergency cases only, are covered subject to 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
Covered as per the terms, conditions and exclusions of the programme defined by DHA. Only for members enrolled under the Patient Support Program, and only for Dubai visa holders.
Hepatitis C Infection
Covered as per the terms, conditions and exclusions of the programme defined by DHA. Only for members enrolled under the Patient Support Program, and only for Dubai visa holders.
Influenza Vaccine
Covered once per annum on reimbursement only, limited to the cost of the vaccine and its administration only.
New Born baby coverage
Coverage of a pregnant female is extended by the insurer to provide the same benefits for her newborn child for a period of up to 30 days from date of birth. This cover is provided regardless of whether the newborn is eventually enrolled as a dependent member under the insurer's policy. Cover for 30 days from birth includes BCG, Hepatitis B and neo-natal screening tests (phenylketonuria (PKU), 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)
Organ transplantation is covered up to a limit of AED 100,000 per year, for recipients only, subject to 20% co-payment per visit.
Accompanying person accommodation
Accommodation of an accompanying person in the same room, as per the recommendation of the attending physician and subject to prior approval, is covered at AED 100 per day.
Vision Emergencies
Hearing and vision aids, and vision correction by surgery and laser, emergency cases only, are covered subject to 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
- Diagnostic and treatment services for dental and gum treatments, emergency cases only, are covered subject to 20% coinsurance.
- Hearing Emergencies
- Hearing and vision aids, and vision correction by surgery and laser, emergency cases only, are covered subject to 20% coinsurance.
- Vision Emergencies
- Hearing and vision aids, and vision correction by surgery and laser, emergency cases only, are covered subject to 20% coinsurance.
Prevention & screening
Checks and vaccinations, before there is anything wrong- Adult Pneumococcal Conjugate Vaccine
- Covered as per DHA Adult Pneumococcal Conjugate Vaccination guidelines. Only for Dubai visa holders.
- Health check up
- An annual health check-up is covered once a year at selected network clinics, with a deductible of AED 150, subject to prior approval from Takaful Emarat / Ecare.
- Hepatitis B Virus Screening and treatment
- Covered as per the terms, conditions and exclusions of the programme defined by DHA. Only for members enrolled under the Patient Support Program, and only for Dubai…
- Hepatitis C Infection
- Covered as per the terms, conditions and exclusions of the programme defined by DHA. Only for members enrolled under the Patient Support Program, and only for Dubai…
- Influenza Vaccine
- Covered once per annum on reimbursement only, limited to the cost of the vaccine and its administration only.
- Preventive services (members over 18)
- Preventive services are covered as per DHA regulations.
- 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- Air-Ticket for Insured Member
- A return air ticket for the insured member is covered to their home country, subject to pre-approval, where the cost of the treatment outside the UAE is 40% compared…
- Follow-up consultation co-pay (within 7 days)
- No consultation deductible applies to 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 treatment screening, healthcare services, investigations and treatments are covered as per the terms, conditions and exclusions of the programme defined by…
- New Born baby coverage
- Coverage of a pregnant female is extended by the insurer to provide the same benefits for her newborn child for a period of up to 30 days from date of birth.
- Organ transplantation (recipient only)
- Organ transplantation is covered up to a limit of AED 100,000 per year, for recipients only, subject to 20% co-payment per visit.
- Accompanying person accommodation
- Accommodation of an accompanying person in the same room, as per the recommendation of the attending physician and subject to prior approval, is covered at AED 100…
- Dialysis
- Covered up to AED 60,000 with 20% Co-Pay Dialysis is covered up to a limit of AED 60,000 per year, subject to 20% co-payment per visit.
- Parent Accommodation for child under 18 years of age
- Parent accommodation for a child under 18 years of age is covered at AED 100 per day.
Other benefits
Named in this plan's document and not easily grouped- NRI Benefit
- For Indian nationals residing in the UAE: cashless in-patient-only benefit for planned treatment, with access to a 16,000-hospital network in India; and continuity…