Takaful Emarat
Blue Plan - NE - 2
The short version
ECARE — Ecare BlueWhat Blue Plan - NE - 2 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% co-insurance payable by the insured
Pharmacy
AED 2,500 with 25% 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 BlueOut-Patient is restricted to clinics.
Annual Limit per Person
AED 150,000
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
Semi-Private
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
25% co-insurance per each prescription up to an annual limit of 2,500 AED. Restricted to formulary products where available
Maternity
Covered subject to: 9 month waiting period; co-insurance 15%. In-patient: up to AED 7,500 per normal delivery, or AED 10,000 for medically necessary C-section, complications and for medically necessary termination (all limits include co-insurance); life threatening cases will be covered up to the annual aggregate limit. 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
Maximum 6 sessions per year; 20% co-insurance payable by the insured
Routine Dental Benefits
Not coveredRoutine Optical Benefits
Not coveredPre-existing / Chronic Conditions
Covered following a 6 Month Waiting Period and subject to 20% Co-pay, with a sub-limit of AED 5,000
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
Only on this plan
Benefits this plan adds beyond the rows compared above.
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)
- Free follow up within 7 days for the same condition and the same doctor inside the network
Hospital and recovery
What the plan does around a hospital stay- Emergency Treatment
- Emergency medical treatment: within all Emirates of UAE. Emergency treatment (approval required within 24 hours of admission to the authorized hospital) is covered…
- 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…
- Accommodation for a beneficiary below 16 years of age
- Accommodation of a person accompanying an insured child up to the age of 16 years: maximum AED 100 per night, maximum 15 nights
Other benefits
Named in this plan's document and not easily grouped- Network Restriction
- Out-Patient is restricted to clinics.
- NRI Benefit
- Covered. Cashless in-patient only benefit (planned treatment) with access to a 16k hospital network in India.
- Waiting period on newly diagnosed critical illnesses
- Not applicable (i.e. covered from the first day of the policy)