Takaful Emarat
Est. 2008 · Dubai · DHA, HAAD, MOHAP regulated
Leading Takaful (Islamic insurance) provider in the UAE. Takaful Emarat offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Leading Takaful (Islamic insurance) provider in the UAE
- ▸Operates across all emirates with Sharia-compliant products
- ▸Listed on Dubai Financial Market
- ▸Strong focus on family Takaful and group health
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Takaful Emarat Basic Takaful | Basic | AED 2,500 – 4,800/yr | AED 250,000 | 20% | — | — |
| Takaful Emarat Enhanced Takaful | Enhanced | AED 5,500 – 12,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
How claims work with Takaful Emarat
Direct billing: Present your Takaful Emarat insurance card at any in-network provider. The clinic or hospital bills Takaful Emarat directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required. Reimbursement claims: For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via takafulemarat.com or call 800-825235. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Takaful Emarat at least 48 hours in advance.
Takaful Emarat Insurance — FAQ
Compare Takaful Emarat with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.