Takaful Emarat
What Blue Plan - NE - 1 does and does not do, before you read the insurer's own Table of Benefits.
Annual limit
AED 75,000
Medical network
ECARE — Ecare Blue
Consultation
20% co-insurance payable by the insured
Pharmacy
AED 1,000 with 30% co-pay
Get your price to download this plan's Table of Benefits and your quote.
Medical Network
ECARE — Ecare BlueOut-Patient is restricted to clinics.
Annual Limit per Person
AED 75,000 with the following sub-limits: AED 50,000 on in-patient services and AED 25,000 on out-patient services
Area of Coverage
UAE excluding Abu Dhabi Emirate; emergency medical treatment within all Emirates of UAE
In-patient Services
Covered when medically necessary and when the case cannot be treated as Out-Patient. Subjected to prior approval from the TPA.
Out-patient Services
Covered: 20% co-insurance payable by the insured; out-patient is restricted to clinics; GP referral to specialist access
Hospital Accommodation
Shared Room (Ward)
Consultation Deductible (Co-Pay)
20% co-insurance payable by the insured
Diagnostics & Laboratory Services
Radiology and diagnostic services, including X-ray, MRI, CT scans and endoscopies: 20% co-insurance payable by the insured; in non-medical emergencies, prior approval is needed when required by the claim administrator
Medicine Limit
30% co-insurance per each prescription up to an annual limit of 1,000 AED. Restricted to formulary products where available
Maternity
Covered subject to: 12 month waiting period. In-patient: covered after the waiting period up to AED 7,000, subject to 15% co-insurance; complications and life-threatening cases are covered up to the in-patient general annual limit. Out-patient: covered after the waiting period up to AED 2,500, subject to 20% co-insurance; out-patient ante-natal services: 8 visits to PHC and 3 ante-natal ultrasound scans.
Women and maternity on this plan
Men and women pay the same premium on this plan.
Get a quote to see the amount for your family.
Physiotherapy
Covered only for cases following an in-patient admission, and up to 6 sessions per year with 20% co-pay
Routine Dental Benefits
Not coveredRoutine Optical Benefits
Not coveredPre-existing / Chronic Conditions
Covered following a 12-Month Waiting Period and subject to 20% Co-pay, with a sub-limit of AED 5,000 on In-Patient services and AED 1,500 on Out-Patient services.
Emergency Road Ambulance Services
Ground transportation services in the UAE provided by an authorized party for medical emergencies: covered
Repatriation of Mortal Remains
Not coveredSpecialist access
GP referral to specialist access
Outside the Network (Reimbursement)
Not coveredEmergency Treatment
Emergency medical treatment: within all Emirates of UAE. Emergency treatment (approval required within 24 hours of admission to the authorized hospital) is covered in full, up to the annual in-patient limit
Follow-up consultation co-pay (within 7 days)
Free follow up within 7 days for the same condition and the same doctor inside the network
New Born baby coverage
New born babies: covered under the mother's policy for 30 days from birth. Coverage includes: BCG, Hepatitis B and neo-natal screening test
Accompanying person accommodation
Accommodation of a person accompanying an in-patient in the same room, in cases of medical necessity at the recommendation of the treating doctor and after the prior approval of the insurance company: maximum AED 100 per night, maximum 15 nights
Benefits this plan adds beyond the rows compared above.
