Takaful Emarat
Basic Plan - IP Only
The short version
NAS — VNWhat Basic Plan - IP Only does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 60,000
Medical network
NAS — VN
Consultation
Not coveredPharmacy
Not coveredWhat is good
This plan's Table of Benefits does not state enough for us to pick out a highlight. The full sheet is below.
Good to know
- Network Restriction: Outpatient: not covered.
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Everything in the policy
Medical Network
NAS — VNOutpatient: not covered
Annual Limit per Person
AED 60,000
Area of Coverage
UAE (excluding Abu Dhabi and Dubai) for both emergency and non-emergency treatment; extended to Abu Dhabi and Dubai for emergency cases only, if life threatening
In-patient Services
20% co-insurance Sublimit: AED 60,000 per person per year
Out-patient Services
Not coveredHospital Accommodation
General Ward
Consultation Deductible (Co-Pay)
Not coveredDiagnostics & Laboratory Services
Not coveredMedicine Limit
Not coveredMaternity
Not coveredWomen and maternity on this plan
Men and women pay the same premium on this plan.
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Pre-existing / Chronic Conditions
Covered subject to a waiting period of 6 months. Sublimit on pre-existing and declared chronic conditions (after the end of the waiting period): AED 5,000 per person per year for inpatient
Emergency Road Ambulance Services
Ground ambulance services: covered
Vaccination for Children (as per MOH, UAE)
Not coveredWithin the Network (Direct Billing)
Direct billing: 100%, subject to the applicable co-pay or deductible
Outside the Network (Reimbursement)
Not coveredCoverage Criteria for Treatment outside UAE
Not coveredDay care Treatment
Inpatient and daycare treatment (including pre and post in-hospital treatment): covered up to the sublimit of in-patient per claim per person per year
Dental, hearing & vision aids, vision correction
Not coveredHearing Emergencies
Not coveredPreventive services (members over 18)
Not coveredAccompanying person accommodation
Companion accommodation in cases of medical necessity at the recommendation of the treating doctor: up to AED 100 per night
Vision Emergencies
Not coveredOnly on this plan
Benefits this plan adds beyond the rows compared above.
Hospital and recovery
What the plan does around a hospital stay- Day care Treatment
- Inpatient and daycare treatment (including pre and post in-hospital treatment): covered up to the sublimit of in-patient per claim per person per year
- Accompanying person accommodation
- Companion accommodation in cases of medical necessity at the recommendation of the treating doctor: up to AED 100 per night
- Accommodation for a beneficiary below 16 years of age
- Parent accommodation accompanying an insured child under 16 years of age: up to AED 100 per night
- Doctor, Surgeon, Anesthetist Fees
- Consultant's, surgeon's and anesthetist's fees and other fees: covered
Other benefits
Named in this plan's document and not easily grouped- Network Restriction
- Outpatient: not covered
- NRI Benefit
- Covered. Cashless in-patient only benefit (planned treatment) with access to a 16k hospital network in India.
Named exclusions
Written into this plan's own document, so you do not find out later- Coverage Criteria for Treatment outside UAE
- Not Covered
- Dental, hearing & vision aids, vision correction
- Not Covered
- Hearing Emergencies
- Not Covered
- Preventive services (members over 18)
- Not Covered
- Vision Emergencies
- Not Covered