Methaq Takaful Insurance Company is a UAE-based provider that offers Sharia-compliant health plans. Unlike conventional insurance, Methaq operates on Takaful principles. This means cooperation, shared responsibility, and ethical coverage.
This article explains the features and benefits of Methaq health insurance, health plans for families and individuals, and exactly how to get Methaq health insurance in the UAE.
Too Long; Didn’t Read (TL;DR)
- Methaq offers Sharia-compliant Takaful health insurance in the UAE, based on cooperation and ethical coverage
- Plans include Extensive, Comprehensive, Advance, Primary, and Shield, with annual limits up to AED 250,000 and coverage from local to worldwide (excluding USA/Canada)
- Benefits include inpatient, outpatient, maternity, emergency care, preventive services, and access to two large networks: NextCare and NAS
- Members get an Access Card for direct billing, digital tools via the LUMI app, and dedicated support.
Key Features and Benefits of Methaq Health Insurance
Health insurance by Methaq stands out because of its Takaful model and flexible plan options.
Takaful-Based Model
Methaq does not sell conventional insurance. It operates on Takaful, which is Islamic insurance.
Here is how it works: Members contribute to a common pool. When someone needs medical care, money is taken from this pool to help them. It is based on cooperation, not profit from risk.
This means your coverage is ethical and Sharia-compliant. It also means no uncertainty or interest-based elements, which matter to many Muslim residents and families.
Diverse Plan Options
Methaq insurance company offers five main plans. Each serves a different need and budget. The table below shows different features of these health plans provided by Methaq Insurance.
| Plan Name | Annual / Coverage Details | Coverage Area | Room Type | Key Benefits | Network / Pharmacy | Maternity Benefits |
| Extensive Plan | AED 250,000 annual limit | Worldwide coverage excluding USA and Canada | Private room | Comprehensive pharmacy benefits | Premium hospital network | Maternity coverage in Abu Dhabi and Al Ain |
| Comprehensive Plan | AED 250,000 annual limit | Regional coverage | Private room | Enhanced pharmacy coverage | Extensive network options | Maternity benefits |
| Advance Plan | AED 250,000 annual limit | Middle East and Asia coverage | Semi-private room | Essential pharmacy benefits | Quality healthcare network | Maternity coverage with limits |
| Primary and Shield Plans | Affordable monthly options | Semi-private room | Essential healthcare benefits | Reliable provider network | Basic maternity benefits |
Extensive Network of Providers
Methaq partners with two major third-party administrators in the UAE: NextCare and NAS.
NextCare gives you access to premium hospitals, specialized clinics, and wellness centers across the country. They offer 24/7 customer support, quick online reimbursement, and digital access through the LUMI app.
NAS provides comprehensive provider networks and clinical case management. They also coordinate specialized care when you need extra support.
Together, these networks mean you have real choices when seeking treatment. You are not locked into one hospital group.
Comprehensive Care
Every Methaq plan covers the essentials. This includes inpatient hospital stays, daycase surgeries, and outpatient consultations. Maternity care is available on most plans, with varying limits.
Preventive care and wellness programs are also included. You can access health screenings and routine check-ups to stay on top of your health.
Personalized Service
Every insured person receives an Access Card. This card lets you walk into any network hospital or clinic and receive treatment without paying up front. The hospital bills Methaq or the TPA directly.
Methaq also provides dedicated support teams to help you manage claims and navigate your healthcare needs. You are not left to figure things out alone.
Coverage Areas of Methaq Health Insurance
Health plans provided by Methaq insurance cover three main areas of medical care.
Inpatient and Daypatient Care
If you need to be admitted to a hospital or undergo a procedure that requires a bed but not an overnight stay, Methaq health insurance covers it.
This includes:
- Semi-private or private room,s depending on your plan
- Surgeries and operating theater costs
- Specialist doctor fees during admission
- Intensive care unit charges
- Diagnostic tests performed during your stay
Outpatient Services
Outpatient care covers treatment where you do not stay overnight. This includes:
- General practitioner and specialist consultations
- Laboratory tests and X-rays
- Prescribed medications
- Routine check-ups
Pharmacy and maternity coverage limits depend on which plan you choose. Higher-tier plans offer more generous benefits.
Emergency and Preventive Care
All Methaq plans include emergency support. If you have a medical emergency while traveling within your coverage area, you are protected.
Some plans include medical evacuation when required. This means if you cannot get the care you need locally, Methaq will arrange and pay for transport to the nearest appropriate facility.
Preventive care is also covered. This includes health screenings, wellness programs, and vaccinations on select plans.
How to Get Methaq Health Insurance in the UAE
Getting health insurance in the UAE is simple and mostly online. Here is exactly how to get Methaq health insurance in four steps.
Step 1: Choose your plan
Decide whether you need individual, family, or corporate coverage. Compare the Extensive, Comprehensive, Advanced, Primary, and Shield plans based on your budget and healthcare needs.
Step 2: Get a quote
You can request a quote directly from the Methaq website. You can also contact their representatives for personalized assistance. They will help you understand the differences between plans and networks.
Step 3: Submit your documents
Depending on your residency status in the UAE, you must submit documents which are:
- Passport copy
- UAE visa copy
- Emirates ID copy
- Salary certificate if applying for a basic plan
Step 4: Receive your Access Card
Once your application is approved and payment is made, you will receive your policy documents and Access Card. The card is digital and can be stored on your phone.
Advantages of Choosing Methaq Health Insurance in the UAE
There are clear reasons to consider Methaq for your health coverage.
- Sharia-compliant Takaful model: Your coverage is ethical, transparent, and based on cooperation. This matters if you prefer Islamic insurance principles.
- Flexible plans for every budget: From the affordable Shield plan to the Extensive plan with worldwide coverage, there is an option for everyone.
- Annual limits up to AED 250,000: This provides solid financial protection for most medical needs, including maternity, surgery, and chronic care.
- Regional coverage included: Advance and Comprehensive Methaq health insurance plans cover you in the Middle East and Asia. This is useful if you travel frequently for work or have family in nearby countries.
- Two major provider networks, NextCare and NAS, give you access to premium hospitals, clinics, and wellness centers across the UAE. You have choice and flexibility.
- Personalized service: Every member gets an Access Card and dedicated support. The LUMI app makes finding providers and submitting claims easy.
- Affordable without cutting corners: Basic plans meet DHA and IA requirements while still covering essential healthcare needs.
Conclusion
Methaq Health Insurance offers flexible, comprehensive, and Sharia-compliant coverage for individuals, families, and businesses in the UAE.
With diverse plans ranging from essential local coverage to worldwide protection, an extensive provider network through NextCare and NAS, and personalized service through the Access Card and LUMI app, residents can access quality healthcare conveniently and ethically.
Frequently Asked Questions
1. Which health insurance is best in the UAE?
The best plan depends on your budget, health needs, and whether you prefer conventional or Takaful insurance. Methaq is a strong choice if you want Sharia-compliant coverage with flexible plans and solid network access.
2. What is covered under health insurance in the UAE?
Standard coverage includes inpatient hospital care, outpatient consultations, emergency treatment, maternity, and prescription medications. Methaq plans also cover preventive care and wellness programs.
3. What is Methaq’s advantage?
Methaq’s main advantage is its Takaful-based model. It offers ethical, Sharia-compliant coverage backed by two major UAE networks: NextCare and NAS. Plans are flexible, annual limits go up to AED 250,000, and regional coverage includes the Middle East and Asia.
4. What are the features of Methaq’s Advance, Primary, and Shield plans?
Advance offers an AED 250,000 annual limit, Middle East and Asia coverage, semi-private room, essential pharmacy, and maternity benefits. Primary and Shield are affordable options with basic coverage, semi-private rooms, and essential pharmacy and maternity benefits.
5. How can I get Methaq Health Insurance in the UAE?
You can apply online through the Methaq website or contact their representatives for a quote. You will need to submit your passport, visa, and Emirates ID. Once approved, you receive your Access Card digitally.
6. Does Methaq cover emergency medical evacuation?
Yes. Medical evacuation is covered on select plans when medically necessary and approved. Coverage depends on your specific plan and geographic scope.
