This insurance covers a wide variety of medical expenses ranging from consultations to tests and from treatments to hospital stays.
Anyone with a UAE residence visa is eligible to apply.
Yes, you can apply to include family members.
Yes, our policies offer a very wide variety of types of coverage, ranging from basic to very comprehensive and with varying premiums, depending on your needs. These can vary according to:
a) Financial limits of coverage, annually and for specific conditions
b) Geographical scope of coverage and which Emirate you are resident in
c) Range of conditions coveredYou can discuss which is the most suitable policy for you with one of our customer service agents.
You can discuss which is the most suitable policy for you with one of our customer service agents.
There can be age limits depending on which policy is taken out. Premiums can also vary depending on the age of the insured.
Yes, UAE regulatory exclusion lists are strictly followed. Examples of non-covered expenses include non-medically necessary services, cosmetic related conditions and treatments, rehabilitation services, home nursing care, infertility, alcohol and drug related conditions, vitamins, and supplements. Pre-existing conditions can also be excluded unless these have been declared.
Co-payments can be required in some circumstances depending on which policy is taken out.
Maternity benefits are covered for legally married women under the terms of your policy. Services are covered for ante-natal care, delivery (including caesarean and medically necessary abortion) and post-natal care.
Yes emergencies are covered depending on the terms of your policy. Medical emergency is defined as any medical condition where immediate medical treatment is required and failure to provide this will result in serious complications, disability, or death.
• Outpatient treatment refers to medical services where the insured can visit a hospital or clinic for consultation, diagnosis and treatment without being admitted.
• Inpatient treatment refers to medical services where the insured’s condition requires treatment and a stay in hospital for more than 24 hrs.
Your policy will make clear which hospitals and clinics can be used.
Some of our policies cover expenses incurred overseas, while others only cover care in the UAE.
Either direct billing or reimbursement may be applicable depending on the terms of your policy.
For direct billing no claim is necessary. For reimbursement, claims can be made online at (med-ri@watania.ae) including uploading required documents detailing the claim, signed as necessary by the relevant hospital or clinic.
To dispute a settlement, you can email us at med-ri@watania.ae including the reference number and membership card details, or Emirates ID number, in the subject line.
We recommend that you email additional documents to us at med-ri@watania for efficient resolution of your claim.
If you have not received any settlement or notification of your claim 7 to 10 working days after submitting it, you should check its status through app on the NAS, & Nextcare or through website for NAS, Nextcare and Mednet or contact us at 800-MYWATANIA or email med-ri@watania.ae.
No, settlement by cash or cheque is not available. Reimbursement is made only by bank transfer to the insured’s bank account.
Reasonable and customary charges refer to the average price of the medical services incurred. They are calculated according to the benchmark rate of your policy. This applies to all services which are performed outside your hospitals and clinic network.
Individual Family Takaful is a scheme based on Shari’ah principles that combines savings and investments with family security. The principles include brotherhood and cooperation among a group of people called Participants to help and provide financial assistance to each other.
Yes. You need to be either a UAE citizen or UAE resident to sign up for Watania Takaful’s Individual Family Takaful plans.
Yes, you can maintain your Individual Family Takaful plan even if you become a non-resident unless you reside in a UN sanctioned or high-risk country. Please check with Watania Takaful if there is a change in residency status.
Yes, Watania Takaful’s Individual Family Takaful plans offer you global coverage except when you are travelling in a UN sanctioned or high-risk country.
You can opt for the benefits to be distributed as per Shari’ah or you can select your first-degree relatives as your beneficiaries. In case of business protection plans, the surviving partner or the company itself can be the beneficiary.
No, the beneficiary does not need to be a resident of the UAE.
Yes, you can pay for your Individual Family Takaful plan from overseas.
No, the beneficiary does not need to travel to UAE to raise a claim.
Yes, the beneficiary can receive payment overseas except in UN sanctioned countries.
Yes, you can buy multiple Individual Family Takaful plans
You may be required to undergo medical check-ups to sign up for an Individual Family Takaful plan. Any such check-up will be paid for by Watania Takaful.
They are invested into a fund overseen by Watania Takaful in line with Shari’ah principles. The fund is designed to achieve a positive financial performance while safeguarding the best interests of Participants and beneficiaries. Investment strategies range from Moderately Cautious to Aggressive.
Contributions can be made in AED or USD.
Yes, depending on the terms of the plan. For example, contributions can sometimes be made monthly or annually.
No, everyone is welcome to purchase a plan regardless of their belief. They are highly competitive with conventional insurance plans and deliver an excellent range of benefits.
The process is streamlined and straightforward. Claim forms are on our website at or please contact a Watania Takaful service agent.
Yes. Please contact a Watania Takaful service agent who will explain the straightforward and streamlined process.
We are flexible where possible depending on which plan is involved. Please contact a service agent for further information.
Participants should ensure:
Group Family Takaful cover provides a blanket coverage to all employees (and sometimes their dependents) of one Company or Group. Group Family policies carry a lower cost than policies offered to individuals.
• Participants contribute sums of money called Takaful Contributions into a common fund called a Group Family Takaful Fund (GFTF). Participants are entitled to the benefits provided under the policy.
• Participants contribute sums of money called Takaful Contributions into a common fund called a Group Family Takaful Fund (GFTF). Participants are entitled to the benefits provided under the policy.
• The Company, as the scheme manager, acts as an agent (wakeel) in managing the Takaful operations on behalf of all the Participants. In return, the Company is entitled to an agency (wakalah) fee.
• Group Takaful is a scheme based on Shari’ah including joint-guarantee, brotherhood, solidarity, and cooperation among a group of people called Participants to help and provide financial assistance to each other.
• The objective of the scheme is to offer financial protection to the Participants through the principles of Takaful, which encourage people to co-operate and help one another for a good cause.
• Contribution is paid by Employer.
• Employees can benefit from the cover free of charge. They are typically covered for more risks under a Group Family Takaful Scheme than under an individual policy.
• In case of medical underwriting, the expenses are borne by the insurance company.
• Blue collar workers can be covered under a Group Family Takaful scheme on a very low Contribution rate.
A Takaful Certificate is an Islamic Insurance Policy Document. It is a legal contract between the Takaful provider and the Participant who subscribed for the cover (policyholder) which is also called the Master Contract.
• Death due to any cause (DAC)
• Permanent Total Disability (accident & sickness) (PTD)
• Permanent Partial Disability (accident & sickness) (PPD)
• Temporary Total Disability (accident & sickness) (TTD)
• Medical Expenses (accident only) (ME)
• Repatriation (on Death / PTD)
• Critical Illness (CI)
• Terminal Illness (TI)
• In-Hospital Cash Allowance (HB)
• Funeral Expenses (FE)
• Repatriation Benefit (RB)
Exclusion shall apply for Death & disability benefits however covered after 12 months for new members.Pre-Existing Condition Exclusion shall apply for Disability Benefits. However, this exclusion is waived for existing members covered on Roll Over Basis.
• Cancer
• Multiple Sclerosis
• Kidney failure (End Stage Renal Failure)
• Stroke
• Heart attack
• Major organ transplant
• Coronary artery by-pass surgery
Dental cover is not included.
In case of MEDEX claims, member can visit any hospital or clinic as per his/her authorised limit.
Only on reimbursement basis.
• Persons Covered: Full time and permanent employees.
• Basis Of Sum Covered: As per the provided census provided/ Multiple of Salaries / Based on Category/ Flat Sum Cover
• Basis of cover: Mandatory for all eligible employees
• Eligibility: Permanent and full-time employees, residents of UAE and other countries who are actively at work.
• Age criteria: 18 to 65 years or sometimes 70 years.
• Complete data including the names of the employees, Date of Birth, Designation, Gender, Sum to be covered, Nationality and Monthly Salary.
• Required Benefits: Need to be specified by name.
• Claims Information: Last 3 years complete information of all employees
The Cover ceases immediately in any of the below cases:
• The employee ceases to be an employee of the Participant.
• The cover for rider benefits finishes on attainment of 65 years.
• If a claimant successfully claims Permanent Total Disability benefit.
• The Participant cancels the cover certificate.
• If at the end of the financial year there is a net surplus in the GFTF, the Participants shall be entitled to a share of the surplus calculated according to actuarial principles and in proportion to the Contributions retained in the GFTF after Retakaful and wakala fees.
• If there is a deficit, a Takaful operator shall grant an interest-free loan (al qard al-hasan) from its standby capital to provide for the total amount of any losses in the GFTF, which shall be recouped from future surpluses of the GFTF.
• Dependents (Spouses and children) will also have to be covered under the scheme.
No.
No
Yes, on pro rata basis.
Immediately after an accident:
• Check to see if any parties need urgent first aid attention.
• Do not move the vehicles unless they are endangering oncoming traffic.
• Contact the authorities for medical and police services.
Once help is on the way:
• Gather the vehicle identification number (VIN) and license plate numbers of all vehicles involved.
• Exchange the following information with the other driver(s):
o Names
o Addresses, phone numbers, and insurance information
o Avoid discussing the accident until the authorities arrive
o Take photos of damages
o Once you have the necessary information, contact us to report the details of the incident
• To submit a claim with your insurance provider, you need to first file a police report.
• If more than one driver is involved, it is essential to get proof of the exact damage to the vehicles or personal injuries resulting from the accident.
To submit a claim, you need to provide the required information and accident details by:
• Contacting our Call Centre on 800 – WATANIA(9282642)
• Visiting our Watania website page to Submit a Claim
• Emailing motorclaims@watania.ae
• Or you can submit a claim in person at any of our offices
You will need, at a minimum, the following:
• Your car Takaful certificate number (policy number)
• Date of the accident
• Location of the accident
• Police report number
• Name of the police station (if applicable)
• Name, contact details, license number of the driver
• Description of how the accident occurred
• Name, contact details, license plate, and insurance information for the other party involved
• Usually, you will have to pay the excess and deductible amount as shown in your Schedule. A deductible is the out-of-pocket amount you are required to pay for damage to your vehicle or injuries sustained in an accident.
• For example, if you had an accident and your deductible is AED 500, you must pay the first AED 500 and your insurance will pay the rest (up to the limits of your policy).
• If your vehicle is repaired, you will need to pay the excess and deductible to the repairer. If it is written off or stolen and not recovered, we will deduct the excess and deductible from any payment we make to you.
• If you have comprehensive cover, you are not responsible for the accident, and the cost of repairs can be recovered from the person at fault, you will not have to pay the excess shown in your Schedule.
• If you satisfy all the following criteria, we will waive the excess, so you don’t have to pay it:
o Legal authority confirmed that you were not at fault for the accident.
o The cost of your loss can be recovered from the party that caused the accident.
o You have agreed to use one of our recommended repairers.
o You have a final court verdict with full details of the other party involved including their contact details.
o We have confirmed the other party’s insurance details.
o When you file a claim that not possible to recover from the party caused the damage, you need to pay deductible after an accident even if you don't feel you are at fault.
Based on the information you have provided; our claims handlers will negotiate with the other party’s insurer to achieve the best possible terms for the settlement of your claim. We will keep you informed of progress and contact you at key stages of the negotiation process.
• If you choose to use one of our recommended repairers:
o We will arrange for the collection and repair of the vehicle.
o If your car is not driveable, it will be collected as soon as possible.
o If it is driveable, it will be booked in for assessment.
o Once we have an estimate of the cost of the repairs, we will authorise the repairs and then the repairer will let you know when your car will be fixed.
o When the repairs are completed, the repairer will contact you to arrange the delivery or collection of the car.
• If you choose to use your own repairer:
o They will need to send us first a repair estimate including cost of paint, materials, labour, and any required parts. It’s also important they share with us images of the damaged areas to assess.
o Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
o Then the repairs will be authorised within 2 working days.
The participant or member covered can benefit from roadside assistance if outlined in their Takaful certificate (Islamic insurance policy) by requesting International Motoring Club (IMC) to pick up the vehicle from the location of the accident or breakdown to deliver to the repair garage recommended by Watania Takaful. Upon completion of repairs, the participant must liaise with repairer directly to arrange in person collection or organize own method for delivery of the car.
• Yes, you can use your own repairer however please note the following:
o They will need to send us first a repair estimate including cost of paint, materials, labour and any required parts. It’s also important they share with us images of the damaged areas to assess.
o Our surveyors will then liaise with them to get an estimate as low as the one received from our recommended repairers.
o Then the repairs will be authorised within 2 working days.
o The repairer is not contractually obliged to provide a specific level of service to you.
o We will not be able to assist you with any aftercare issues.
o We will not guarantee the repairs carried out by a repairer outside our recommended network.
• Alternatively, we may offer an amount as cash settlement which is equivalent to the lowest estimate received from our recommended repairers. This will be subject to our inspection to confirm completion of repairs to your car.
The repairer will contact you to arrange the return of your car once the repairs are completed. If you have any questions about the progress of the repairs, you may call them directly in the first instance. If you need any further support, please call our Call Centre on 800 – WATANIA (9282642).
• If you use one of our recommended repairers, all the repairs (including paintwork) are guaranteed for one year. This does not affect your statutory rights.
• If you use your own repairer, you will need to check with them.
• If you use one of our recommended repairers, initially please contact the repairer who carried out the repairs to your car.
• If you are still not satisfied, please contact our Call Centre on 800 – WATANIA (9282642).
• If you use your own repairer, you will need to check with them.
• Please refer to your Takaful certificate for the details of your Schedule for Replacement Car Benefit and applicable deductibles.
• If you are covered for a replacement car and you are involved in an accident for which you were at fault, and you use one of our recommended repairers, you will be provided with a courtesy car, such as a Ford Figo or Nissan Micra, while your car is being repaired.
• If you are covered for replacement car or not, and you are involved in an accident for which you were not at fault, and you use one of our recommended repairers, you will be provided with a courtesy car to a maximum of 15 days such as a Ford Figo or Nissan Micra or to a maximum of AED 300/- per day to a maximum of 15 days, while your car is being repaired by them.
• Alternatively, you may be able to arrange for the hire of a car and we may reimburse an agreed amount if your car is repaired by our recommended repairers. To confirm your options or apply for the replacement car benefit, please call our Call Centre on 800 – WATANIA (9282642).
• You are not entitled to a courtesy car or compensation for courtesy car if your car is a write off, stolen or you prefer a cash settlement instead of repair by our recommended repairers.
A collision, hit of an animal, fire, theft, and vandalism are all considered under comprehensive coverage.
• Please refer to your car Takaful certificate (Islamic insurance coverage) to confirm if you are eligible for coverage for the type of claim you are submitting.
• Please see your Schedule for details of how it affects your no-claim discount and applicable deductibles.
• Please refer to the Schedule enclosed in your car Takaful certificate (Islamic insurance coverage) for the specifics.
• You may contact our Call Centre on 800 – WATANIA (9282642) for any clarifications or support.
• Depending on the assessment of the estimated cost of damage, your deductibles and no-claim discount as set out in your car Takaful certificate (Islamic insurance coverage), you may have to incur out-of-pocket payment.
• Please contact our Call Centre on 800 – WATANIA (9282642) to assist you to compare these three numbers and help you determine whether to submit a claim.
Yes, you need to get the repairs completed to continue with full coverage on your car.
Your claim will be allocated to one of our claims handling teams. If you need any further information or support, please call our Call Centre on 800 – WATANIA (9282642).
• Our claim handlers will review your claim at regular intervals and contact you when necessary.
• If you have any questions about the progress of your car repairs by one of our recommended repairers, please call the repairer in the first instance. For further support please contact our Call Centre on 800 – WATANIA (9282642).
• If you use your own repairer, you will need to check with them.
• Yes, it is possible for your rates to increase after submitting a claim depending on you car Takaful certificate (Islamic insurance coverage) which is customized to your individual needs.
• For clarifications and support, please contact our Call Centre on 800 – WATANIA (9282642).
• As a priority, please ensure you are physically safe and seek help if needed.
• Gather as much information as you can to help police and us to identify the other vehicle.
• Try to find and get contact information from any witnesses.
• Contact us to report the accident details and we will:
o Deal with the damage to your car immediately
o Agree a settlement and process any related payments due to you under your motor Takaful within 7 working days
• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details;
o If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
o If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.
• If your Takaful certificate (insurance policy) has a Named Driver Clause, then the only drivers covered in case of an accident are those specifically listed in the certificate. Any other drivers not listed will not be covered.
• Please see your Schedule for details of how it affects your no-claim discount and applicable deductibles.
• In the UAE, all vehicles are required by law to have at least a Third-Party Liability insurance that pays for the damages caused to other parties in case of an accident.
• Please refer your car Takaful certificate to ensure you have the right coverages to support the type of claim you are submitting.
• If you are covered, we will:
o Deal with the damage to your car immediately
o Agree a settlement and process any related payments due to you under your motor Takaful within 7 working days
• We will then seek to recover the cost of the claim from the person responsible for the accident, should you be able to provide their contact details;
o If the cost of the claim can be recovered from them, there will be no deductibles or change to your claim discount.
o If the cost of the claim cannot be recovered from them, deductibles payment applies and there may be a change to your claim discount.
If your car is not recovered:
• We will contact you within 5 working days of submitting the final police report to discuss and agree valuation for your car.
• During this period, you will not have access to a courtesy car.
If your car is recovered with repairable damages:
• We will assess it and arrange for its collection and repair by one of our recommended repairers.
• When the repairs are completed, the repairer will arrange delivery or collection of the car with you.
• A courtesy car will provided during this period.
If your car is recovered with damages beyond economic repair:
• We will contact you within 5 working days of confirming that your car is a write-off to discuss and agree its valuation.
• We will issue a payment within 5 working days of agreeing settlement.
• You will need to arrange for all personal belongings to be removed from the car and send the items for your car to us.
• During this period, you will not have access to a courtesy car.
If your car is recovered undamaged:
• We will contact you to discuss the return of your car to you.
• The claim will be closed and will not affect your no claim discount or deductibles unless we incur costs in recovering and securing your car. You may safeguard your no-claim discount and applicable deductibles by reimbursing us for the costs we incur.
• During this period, you will not have access to a courtesy car.
If the car sustained structural damages to chassis or pillars, or if the value of the repairs is higher than 50% of the depreciated value of the car, we consider it a total loss or beyond repair.
After assessing the damage to your car, if we consider that it is uneconomical to repair it, we will call you within 2 working days to agree to a settlement then a payment will be issued within 5 working days for the amount agreed.
• If your car is a write-off and we have agreed a settlement, we will issue a payment within 5 working days.
• If your car has been stolen and not found or written-off, we will call you to discuss and agree a settlement. Then we request you to please send us the following by Recorded Delivery:
o Vehicle Ownership Certificate in Watania name.
o Subrogation & Discharge Receipt
o Service documents
o All keys
• Once we have received all these items, we will issue your settlement payment within 5 working days.
Members covered under the Watania Takaful administered by NasNeuron scheme, who have been diagnosed with a chronic condition, are eligible to enroll in the Chronic Management Program, as well as any of their dependents covered by the same scheme.
The Chronic Management Program delivers additional and responsive care and treatment for long-term health conditions. Benefits include:
Typically, conditions considered chronic include Diabetes, High Blood Pressure, and High Cholesterol. To ascertain if other conditions you have are considered chronic, please contact Watania at 800 WATANIA (92 82 642) seven days a week from 8am to 11 pm or via email: medclaims@watania.ae.
Every case will be individually evaluated, but these can include:
There will be no impact on your policy or claim. We are moving our head office as we expand our national footprint to service our customers around the UAE. While some of our staff will be moving coordinates, it is business as usual for us and our teams are available as usual to support you as needed.
We have moved our head offices out of One Central and into The Galleries 2 at Jebel Ali by mid-June. Meanwhile please call tollfree 800-WATANIA or visit www.watania.ae or our full-service offices in Sharjah, Abu Dhabi and the new Deira branch.
It is business as usual for us and our teams are available as usual to support you as needed. While we are making all the necessary arrangements to move some of our team members to the new location, you can access all our services through tollfree 800 – WATANIA (9282642) or at www.watania.ae or by visiting our full service offices in Sharjah, Abu Dhabi and the new Deira branch.
Our new head office is at The Galleries 2, Jebel Ali. It is only a 5 minutes’ walk from the Jebel Ali Metro Station called UAE Exchange Station on the Red Line of Dubai Metro and a 12 minutes’ walk from the UAE Exchange Bus stop which you can access through Bus 99 and F54. There is also ample free parking around the building.
No, it is business as usual for us, our brokers and our Takaful members. We are a fully digitalized and all our services including information about our products, getting quotes and issuing Takaful certificates as well as claims management can be done through our website www.watania.ae or by calling 800 – WATANIA (9282642) or visiting our full-service business centers in Abu Dhabi, Sharjah and Deira.
No, our business hours remain the same between 8am to 5pm. You can also access the website anytime anywhere at your convenience or call 800-WATANIA (9282642) between 8am and 7pm for any inquiries.
You can track your claims online via https://myconnect.watania.ae/#/bc-home or please call our contact center on 800-WATANIA (9282642) and they will assist you with all your queries.
You can submit and track new claims and follow up on existing claims online via https://myconnect.watania.ae/#/bc-home anytime at your convenience or call our contact center on 800-WATANIA (9282642) between 8am and 7pm and they will assist you.
You can access our services and manage claims anytime through our website www.watania.ae or by calling 800 – WATANIA (9282642) between 8am and 7pm to discuss your options for new or renewal of your Takaful coverage and manage your claims, or by visiting our full-service business centers at the following locations:
Abu Dhabi
Level 4, Al Jazeera Sports Complex, Tower A
Opp Dusit Thani Hotel
Abu Dhabi
Sharjah
Watania Takaful Sharjah BranchGF
Adjacent to Choitram Main, King Faisal Road,
Abu Shagara Area
Sharjah
Dubai (Deira)
Business Point Building Showroom 3
Al Khabaisi Port Saeed
Deira, Dubai
For the most convenient option you can check all our services online through our website www.watania.ae where you can get information about our products, get instant quotations and Takaful certificates as well as submit and track claims and make contributions online.
You can also call 800 – WATANIA (9282642) between 8am and 7pm to discuss your options for new or renewal of your Takaful coverage and manage claims.
Or you can visit any of our full business service centers in below locations:
Abu Dhabi
Level 4, Al Jazeera Sports Complex, Tower A
Opp Dusit Thani Hotel
Abu Dhabi
Sharjah
Watania Takaful Sharjah Branch GF
Adjacent to Choitram Main, King Faisal Road,
Abu Shagara AreaSharjah
Dubai (Deira)
Business Point Building Showroom 3
Al Khabaisi Port Saeed
Deira, Dubai
No. There is no impact on any policies.
We operate full-service offices across the UAE. You are welcome to visit any of our offices located as follows:
Head Office: Level 13, Building 2, The Galleries, Downtown Jebel Ali, Dubai
Deira: Showroom No. 3, Business Point Building, Port Saeed, Dubai
Sharjah: Fathiya Lutfi Building, (Next to Choithram), Abu Shagara, King Faisal Road, Sharjah
Abu Dhabi: 4th Floor, Al Jazeera Club Tower A, Abu Dhabi
Please contact us 7-days a week from 8am to 7pm via WhatsApp or call us on 800-WATANIA (9282642) or email your queries to info@watania.ae.
You can submit claims online by clicking here or alternatively please WhatsApp or call us on 800-WATANIA (9282642) or email your queries to info@watania.ae.
All our offices are open from 8:00am to 5:00pm. Additionally, please visit www.watania.ae or reach out via our toll free number 800-WATANIA (9282642) 7 days a week from 8am to 7pm.
Our call center team is available to address your queries via WhatsApp or phone calls on 800-WATANIA (9282642) 7 days a week from 8am to 7pm.
All our offices are closed at the weekends (Saturday and Sunday) and on official UAE public holidays. However our call center team is available to address your queries via WhatsApp or phone calls on 800-WATANIA (9282642) 7 days a week from 8am to 7pm.
For information on vacancies or to share your resume, please visit Watania.ae career page or email talent@watania.ae.
For all investors related queries, please or contact Noha Habib VP – Corporate Communications & Investor Relations on ir@watania.ae or +971 50 900 4127.
Please email your query to marcom@watania.ae or contact Noha Habib VP – Corporate Communications & Investor Relations on +971 50 900 4127.
