Client

Pavithiraa Ramesh
Name
Advisor Adithya Vignesh
Quote Date 2/9/2024
Contact adithya@anib.com

Takaful Emarat
Takaful Emarat (NAS) Takaful Emarat (NAS) NLGIC(Mednet) NLGIC(Mednet) Takaful Emarat (Nextcare)
(Nextcare)

Plan Name Opal Marjan Plan 4 Silver Iridium Silver

Direct
NAS WN (OP Restricted WN(OP restricted to Nextcare RN3 (Out-patient is
Billing NAS SRN SRN Nextcare RN2
to clinics) Clinics ) restricted to Clinics Only)
Network
Consultations 20% Nil co-pay for
Consultations 20%
Deductible with AED 50 max, consultations, Nil co-pay for consultations,
10% 10% with AED 50 max, All
/ Co-pay All OP services nil medicines and medicines and diagnostics
OP services nil co-pay
co-pay diagnostics

Benefits
Guide

Annual
AED 1,000,000 AED 1,000,000 AED 1,000,000 AED 1,000,000 AED 1,000,000 AED 1,000,000
Limit

Geographi
Worldwide including Worldwide including Worldwide including Worldwide including Worldwide Including
cal Worldwide Including USA
USA USA USA USA USA
Coverage
Inpatient
(Hospitalis Covered in full Covered in full Covered in full Covered in full Covered in full Covered in full
ation)

Medicines covered
10% up to AED 25 for 10% up to AED 15 for Medicines covered in
in full with Nil co- Medicines covered up
General Practitioners / General Practitioners / full with Nil co-pay Medicines covered up to AED
pay and diagnostics to AED 5,000 with
20% up to AED 60 for 20% up to AED 25 for and diagnostics & lab 5,000 with NIL co-pay /
& lab tests covered NIL co-pay /
Specialists / Medicines Specialists / Medicines tests covered in full Diagnostics covered in full
Out Patient in full with Nil co- Diagnostics covered in
covered up to AED covered up to AED with Nil co-pay. with NIL co-pay
pay. Consultations full with NIL co-pay
5,000 with 15% co-pay / 5,000 with 15% co-pay / Consultations covered Consultations covered with
covered with 20% Consultations covered
Diagnostics covered in Diagnostics covered in with 20% co-pay with NIL
co-pay with AED 50 with NIL
full with 10% co-pay full with 10% co-pay AED 50 max
max

15 sessions per year 15 sessions per year

Physiother 8 sessions per year 6 sessions per year subject to pre- subject to pre- 10 sessions per year 8 sessions per year subject to
apy subject to pre-approval subject to pre-approval authorization with Nil authorization with subject to pre-approval pre-approval
co-pay Nil co-pay
Emergency
Not Available Not Available Covered in full Covered in full Not Available Not Available
Evacuation

Chronic Covered up to AED Covered up to AED Covered up to AED Covered up to AED Covered up to AED
Covered up to AED 150,000
Conditions 150,000 150,000 150,000 150,000 150,000

Covered up to AED Covered up to AED

Pre- 150,000 subject to 150,000 subject to Covered up to AED Covered up to AED Covered up to AED
declaration *Waiting declaration *Waiting Covered up to AED 150,000
existing 150,000 subject to 150,000 subject to 150,000 subject to
period of 6 months period of 6 months subject to declaration *No wait
Cover declaration *No wait declaration *No wait declaration *No wait
applicable if evidence of applicable if evidence of
COC is not provided COC is not provided
Maternity
Benefits

OP- 10 visits and 4 ante-

natal ultrasound scans OP- 12 visits and 6
OP- 12 visits and 6 ante- OP- Covered in full OP- Covered in full
with 10% co-pay IP- ante-natal ultrasound OP- 10 visits and 4 ante-natal
natal ultrasound scans with 10% co-pay with 10% co-pay
Routine Normal Delivery covered scans with 10% co-pay ultrasound scans with 10% co-
with 10% co-pay IP- Normal Delivery and Normal Delivery and
Maternity up to AED 7,000 with Delivery- Covered up pay Delivery- Covered up to
Covered up to AED C-Section- Covered up C-Section- Covered
10% co-pay C-Section to AED 12,500 with AED 10,000 with 10% co-pay
12,500 with 10% co-pay to AED 10,000 up to AED 10,000
covered up to AED 10% co-pay
10,000 with 10% co-pay
Maternity No wait (LMP must
No wait (LMP must be No wait (LMP must be No wait (LMP must be No wait (LMP must be No wait (LMP must be within
Waiting be within policy
within policy period) within policy period) within policy period) within policy period) policy period)
Period period)
Dental
Benefits

Covered up to AED Covered up to AED

Covered up to AED Covered up to AED
Dental Not Available 3,500 with 20% co- 1,500 with 20% Co- Not Available
1,500 with 20% Co-pay 3,500 with 20% co-pay
pay pay
Dental
Waiting No Wait N/A No wait No wait No Wait N/A
Period
Wellness
Benefits

Covered subject to
Covered subject to 20% Not Available Not Available
Optical 20% co-pay and up to
co-pay and up to AED Not Available Emergencies covered Emergencies Not Available
Benefits AED 1,000 with sub
1,000 with sub limits in full covered in full
limits

DHA benefits only- DHA benefits only-

Diabetic Screening Diabetic Screening Preventive services
Covered as per DHA Covered as per DHA Preventive services covered
Wellness (above 18 years only) (above 18 years covered as per DHA
regulations regulations as per DHA regulations
*Subject to pre- only) *Subject to pre- regulations
approval approval
Payment
Informatio
n
Semi
Annual N/A N/A N/A N/A Payment Link Payment Link
Surcharge

Quarterly
N/A N/A N/A N/A N/A N/A
Surcharge

Monthly
N/A N/A N/A N/A N/A N/A
Surcharge
Member's
Informatio
n
Pavithiraa
Ramesh 3478 3162 7673 4070 9458 3925
Age 27 F
Total
Premium
UAE
Dirham
excluding 3478 3162 7673 4070 9458 3925
(BASMAH
+ TAX)
UAE
Dirham
including 3690.4 3358.6 8095 4312 9969.4 4159.75
(BASMAH
+ TAX)

Comment

This is a non-final summary table of benefits and approximate premiums. Premiums offered do not include any local fees, unless otherwise stated, or charges that may apply or
change at any time and are subject to acceptance unless otherwise provided at our sole discretion. On the basis and according to signed enrollment details, the insurance
company shall provide the final rate.

The Premiums are quoted in AED unless otherwise provided at our sole discretion. Please note that if any changes or omissions to the benefits are shown in this non-final
summary and web listing, the insurance company's policy documents and terms and conditions will take precedence over this summary. We are not responsible for any of the
benefit schedules, network lists, exclusions, and insurance company terms and conditions that may be changed at their own discretion periodically. We kindly recommend that
you to check the relevant documents before enrollment.