Introduction

Starting on the journey to health and well-being in the UAE involves choosing the right partner for financial protection. Formerly known as Noor Takaful, Watania Takaful has emerged as a prominent player in the insurance landscape. In this guide, we explore the essence of Watania Takaful health insurance, making the complex world of insurance accessible and user-friendly.

Best Noor Takaful Health Insurance Plans in the UAE

Noor Takaful offer a two main health insurance plans in dubai , each catering to unique health needs. From basic coverage to comprehensive family plans, understanding the best options available ensures you make an informed decision aligned with your well-being goals.

Noor Takaful Plans are:

1- Individual Plan

2- Group Plan

Plan Name	Medical Cover (AED)	Pharmacy Limit	Laboratory Service
Dependent Enhanced 1	1,50,000	Annual Limit AED 1,500	20%
Dependent Enhanced 2	1,50,000	Annual Limit AED 1,500	10%
Dependent Enhanced 3	1,50,000	Annual Limit AED 1,500	NIL
Dependent Basic	1,50,000	Annual Limit AED 1,500	20%

Features Of Watania Health Insurance

Understanding the features and benefits of Noor Takaful health insurance is key to maximizing its value. From wellness programs to emergency coverage, explore the advantages that contribute to your overall well-being.

1- Family Care Product

Annual Aggregate Limit Overarching total limit for all benefits and sub-limits.	AED 1,000,000
Geographical Scope of Coverage for Elective & Emergency Treatment	Worldwide
Coverage Criteria for Treatment outside UAE	Coverage outside UAE is limited to 90 days per treatment A single holiday or business trip may not exceed 90 days
Applicable Network Available Options:	GOLD SILVER PREMIUM GREEN EMERALD PEARL SILK ROAD & Out Patient treatment restricted to Clinics Only From 10 PM to 8AM Out Patient treatments access is available at Network Hospitals
Underwriting terms and coverage criteria for Preexisting, Chronic conditions:	– All pre-existing medical conditions should be declared in the Medical Application Form and is subject to medical underwriting. – All declared Pre-existing and Chronic conditions are covered with a sub limit of AED 150,000/- – Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal.

2- In-Patient Benefit

Hospitalization Class	Private Room
Hospital Accommodation and related Services	Covered
Intensive care unit and coronary artery disease treatment	Covered
Various therapies including physiotherapy, chemotherapy, radiation therapy etc	Covered
Recipient Organ transplantation service, excluding any charges related to Donor	Covered
Use of hospital medical equipments (e.g. heart and lung support systems etc.)	Covered
Ambulance Services (in Medical Emergency only and if followed by admission)	Covered
Companion Room & Board expenses for Beneficiary below 16 years of age The cost of accommodation of a person accompanying a beneficiary below 16 years of age in the same room in cases of medical necessity at the recommendation of the treating doctor and with prior approval	Covered Covered maximum up to 100 AED per night
Repatriation costs for the transport of mortal remains to the country of origin	Covered up to AED 7,500/-

3- Out-Patient Benefit

Physician Consultation	Covered with below deductible options: – Covered with Co-pay of 20% max 50 per consultation – Covered with Co-pay of 20% max 75 per consultation
Pharmaceuticals Diagnostics and Laboratory Tests	Covered with below copayment options: – Covered with 0% co-pay per invoice – Covered with 10% co-pay per invoice
Physiotherapy (Require pre-authorization)	Covered up to 15 sessions/ Per member Per year

4- Other Salient Benefits

Day care Treatment	Covered
Out Patient Surgery	Covered
Emergency Mental health Treatments	Covered
Work Related Injuries	Covered
Emergency Dental treatment for accidental damage to natural teeth	Under this benefit the treatment required within three months following accidental damage to sound natural teeth caused by a violent external means when the treatment is given by a Physician, dentist or dental surgeon is covered. *No treatment will be covered after 3 months of the accident. **Treatment required as the result of the consumption of food or drink or any foreign bodies contained in such food or drink is not covered.

Noor Takaful Health Insurance Inclusions

Cover	Dependent Enhanced 1	Dependent Enhanced 2	Dependent Enhanced 3	Dependent Basic (Married Female)	Domestic Worker with maternity	Dependent Enhanced 1 (Widow/divorcee) Male/Female (Age 55-64) without maternity
Male/Female (18-64)	835	1,315	1,720	1,898	550	1253
Married Female (18-64) with maternity	2,025	2,785	3,035
Annual Benefits limit	AED 150,000	AED 150,000	AED 150,000	AED 150,000	AED 150,000	AED 150,000
(Inpatient) Co payment	20%	10%	NIL	20%	20%	20%
Examination Services Co payment	20% (Max AED 25)	20% (Max AED 25)	20% (Max AED 25)	20%	20%	20% (Max AED 25)
Laboratory Services Co payment	20%	10%	NIL	20%	20%	20%
Prescription Drugs co payments	30% (Annual Limit AED 1500)	10% (Annual Limit AED 1500)	10% (Annual Limit AED 1500)	30% (Annual Limit AED 1500)	30% (Annual Limit AED 1500)	30% (Annual Limit AED 1500)

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Conclusion

In conclusion, Watania Takaful’s commitment to user-friendly health insurance solutions reflects a dedication to the well-being of individuals and families. As you navigate the diverse plans and benefits, remember that choosing Watania Takaful is not just a financial decision but a strategic move towards a healthier tomorrow.