Takaful Emarat-Insurance (P.S.C) Review

Not appearing in any hospital I visited 2 hospitals this company not showing in system or didn't provide complete details... Hospitals didn't accept my insurance I had to pay complete amount

How they can change third party insurance in between the policy year? Pathetic service. They are playing with our parents health where insurance should be ease one parties agreed.

Edgar Duatin was a huge help in taking out a new health insurance policy and acted courteously and professionally.

WEBSITE WAS USER FRIENDLY BUT CAN BE STILL MUCH IMPROVED

Nice call center support specially to shukri who did an extra mile assistance to solve my problem. Kudos team. God bless you all.

If there was a 0 star option I would have given that. For the basic AAFIYA category of insurance that the Govt. has mandated for Senior Visa requirements, the company is nothing less of a SCAM with Zero value add for the customer despite doubling the premium last year! They have now changed the network list in the middle of the year, saying it is a value add with additional clinics added! But when we checked our old clinic of 2 years is gone! And we have to now look for new clinic that is absolutely not convenient.

Worst insurance company ever! There is no choice but to continue with this one sided relationship because of visa requirements, but if the Government is able to read these reviews, I wish they realize how unfair and no value at all the option of Takaful Emarat is.

A globely providing the financial services Company in the Middle east,like individual life and health insurance, group medical insurance,corporate medical insurance& UAE manadatery insunrace as in the accredited by the DHA -Govt of Dubai.

its very convenient to buy off the medical insurance at compatible rates on the go for any of your dependants. the staff are efficient & courteous and address issue with resolutions promtly.

Very easy, simple and quick process though the premium increased without informing.

Never go with this company. You never know when your card will be blocked. Total false information and bad customer service.

Check the reviews, see how others also suffered.
I'd not recommend any company or any individual to take this insurance.

Worst company ever.

Bad choice. Even you beg for your statement, no body cares.

Good cost effective options available for medical insurance .

Excellent service provider, have been renewing yearly close to policy expiration date and the process is always smooth. Had an issue with expired contact details, the customer service representative was very prompt and did what was required right away. 10/10 would recommend to f&f.

Better avoid this insurance if you care for your health and money. They are lost in every way and have no idea what to do. For you you will end up wasting your money and get rejected for every claim

Absolute joke. Took out a platinum policy with them (takaful / next care), and I have developed severe muscle pain in my back over the past couple of weeks.they use EVERY reason to not cover any BASIC physio sessions (nothing expensive), and they actively find other unrelated issues as reason for denying me the sessions that are in my policy. I have gone to all the providers under the next care network, and still, no cover. I understand that some things are not covered if considered chronic,but my issue is NOT chronic, and yet they try to make it so by relating it to things I dont even have pain for just so they can duck out of their coverage.Worst provider ever. The sooner my policy is finished with them the better.

completing 1 year with Takaful Emarat, so far very good

Had a very good expierenc with Hala there was a miss communication on my part and she handled it very professionally and solved my problem i am sure Hala and Amal are veterans whose service is outstanding to their field, who display professional workmanship and quality service true to their nature of work in the insurance industry Good Job both of you especially Hala she is a true super star

Ms. Catrina was quite helpful quick to respond and adapt and utilized a solution to my case which was a technical issue on spot!!

They just moved to this new place no reception and only one customer service agent with no sign board or navigation. No token system and you can feel lot more improvement is needed especially for people coming in for information

I was trying to renew my insurance however it didn't work, when I contacted them the staff was very rude, unprofessional and has attitude. no one tried to contact me to resolve the issue very unprofessional for the amount of money that I paid.

Worst service ever, our insurance for 8 month old child is still not linked with the NAS insurance, we are waiting in the clinic, no one is answering our calls.
First of all with out our consent they convert to Nas insurance and after 8 months still not linked with the new insurance agent.

I am very happy with the services of Takaful Emarat. No-Nonsense online renewal.

very fast transaction for medical insurance renewal

One of the worst companies especially in Customer Service. They don't give clear and accurate information concerning health insurance.
Don't ever deal with them, waste of money

Horrible experience, unqualified apes working trying to impress you but end up failing miserably

Very Good Service and fast processing. Good online quote experience.

Good service and friendly staff.
Nice decorations and atmosphere.

I really appreciate the way it was explained by Ms. Amal. Thank you again.

I am very happy to register with the Takaful Emarat the company that have designed the packages worth to buy for your family. Keep up the good work.

Whole Life Insurance Policy, frauds, cheaters etc...got cheated, loss all my one year saving, when ask for refund its all gone in deduction, wrong information provided by the sales agent saying that after one year i can withdraw at anytime...and its a investment plan where i can double my amount every year. Im very much frustrated by this company, please say no to TAKAFUL EMARAT INSURANCE

The Tele-Conversation with the Customer Care person was invaluable.

Edit: The account owner responded below, so I'd just like to respond to that. I appreciate you standing by your team and your T&Cs, but I did mention that I submitted a company-issued salary certificate in lieu of a MoL salary contract _after consulting with your customer service on the phone_. I explained the urgency of the situation to them and mentioned that I would not be able to dig up a current MoL contract on such short notice, and they said a company-issued letter would serve just as well. Then I had to wait 11 days to find out they were wrong. That is what is truly disappointing, and all the while my employees keep asking me about their insurance and I have no meaningful response because Takaful is taking so unbelievably long to process this.

Review:

Absolutely awful customer service. Hands down, some of the worst I have experienced in Dubai, and that's saying something.

I have an ongoing case trying to insure my employees with Takaful's Basic Plan as a temporary measure while we are between insurances. I hate that we are currently without any medical insurance, but the situation was unavoidable, and I figured the best thing I could do was get policies with Takaful to cover us in case of emergencies. Boy was I wrong.

I started purchasing policies online on October 2nd, nearly two weeks ago. At the advice of their customer service, I uploaded salary certificates issued by the company instead of the requested labour contracts. 11 days later, I get e-mails from one "Glorie" asking me to submit labour contracts. What the deuce? 11 days AFTER I PAID FOR THE POLICIES, I get told information that contradicts what I was told when I initially purchased the policies. It's ridiculous.

So, I respond. Then today, a further two days later, Glorie e-mails me back nothing more than a re-iteration of her previous e-mail. This is really quite disgraceful.

I would caution everyone against getting policies with Takaful Emarat.

I bought a medical insurance policy online. I was told the insurance card will be ready in 7 working days but still call and check.after 5 working days i called and they said it is ready for collection. So i went to their office and was made to wait almost 30 mins and finally a tall egyptian guy came to me with a rude attitude as if i was there for some favour from him. He told me its not ready and he cant print it for me now. I really wonder if these guys know even what customer is. Such pathetic service you get from these people. Any one with self respect will not deal with these arrogant people...

Fast service delivery, excellent handling, respect for the customer.

we are extremely happy with the serices.
Thanks a lot

I call there 5 minutes back. fo taking new insurance for my company. Really worse. The customer representative told she will comeback and hold for a second. wait for 5 minutes. I change my mind. Subhanallah... if i took the insurance I will be in trouble. Plan to take from orient.

very easily made my son insurance covered with help of Takaful Emarat Online portal.. simple and user friendly

This is the worst company for mandatory Insurance. Highly Unprofessional. I had applied for Insurance for family members on 19th December and they so far given me only one health card although it was applied on the same date. Do not ever approach them for Insurance. They cannot handle pressure and customer service is zero. Bunch of amateurs who are running this company without any management experience. Instead of using a courier service to deliver the health cards they are asking to collect. In what age are they living in ?

I called them today and talked to an arabic speaker Lady. Such a rude person! She takes everything personnaly.....

It's nice services, good value. easy to buy or renew. good after services support

This update needs to be posted on Takaful Emarat's website and/or informed in an email to customers who have purchased the mandatory health insurance plan. Fool's errand to find out that there isn't a physical health card to collect as it is supposedly linked to our Emirates ID.

I found them most helpful in entertaining all my queries. I had many. I was having to deal with Edgar and I found him very helpful, friendly and efficient from start to finish.

Its a basic plan I m using it for last 2 years. The only problem is they increased the premium drastically from previous years when people are suffering from the current situation. And the person in the customer service is not helpful and least bothered.

No feedback and no one can answer from customer service and no sales

I went to their office today and was informed that there will be no card issuance as supposed to what was mentioned online when I purchased the insurance last December. The staff explained that although there was an actual card to be given out, DHA advised them to link the insurance to the insured person's UAE I.D. I was given a print out confirmation that the insurance I purchased is already active which also indicates the member number of the APN network. Though the office was packed and busy, staff are helpful and accommodating to my queries.

THIS COMPANY IS SUPER UNFAIR AND NOT GOOD. ESPECIALLY THE AGENT IS A LIER TO GET A CLIENT, SHE SAID SAVING PLAN, YES ITS A SAVINGS PLAN. BUT HOW MANY TIMES I ASK HER IF I NEED MY MONEY ONCE I HAVE EMERGENCY I CAN USE MY SAVINGS, SHE SAID YES!! AND NOW I NEED MY MONEY ANA I CANCELLED MY PLAN THEY SAID I CANT GET ANYTHING, MY GOD!!!! 2000AED I WASTE BECAUSE OF THIS LIER COMPANY DONT GET ANY SERVICES FROM THEM. THEY WASTE YOUR MONEY!!!!!! NEGATIVE STAR FOR YOUR COMPANY!!

TAKAWORST INSURANCE COMPANY!

Worst insurance company!! Would not recommend anyone getting it! U will waste ur money and they will rip you off and not cover any of the treatments u need to be covered!!

If u call office they will say call customer care and then u call custimer care they will say plz visit any of our office

Please change your time on website it is 8am to 5pm actually they start at 9am
Rest everything was smooth and easy

Peace, mercy and blessings of God
Creativity and credibility to deal and the most powerful program exclusively the local market in the United Arab Emirates has

Not the cheapest option for insurance of your parents (basic plan). Service is ok. Network coverage is also at par. You should expect better price from other insurance providers.

Very bad inssurance and bad communication i pay expensive amount and every single thing it s rejected

They need to improve their call Centre timings. Was on hold for 30 mins but no staff available to attend

I tried so many times to call them but no one answering, I lost my patience. Their price are very cheap so their service are very poor

Cooperation and delivery of information and accuracy in investigating matters and speed of response

I got an excellent response from the executive at all times. I dont have complaints till now, it is almost more than a year now I am dealing with them.

Hi, I need the medical certificate which was not in the link in which I downloaded the policy and heathcare providers.

It is a pleasure dealing with Takaful Emarat. Very prompt and professional team. Quick responses. Thank you.

Was satisfied with the policy and coverage until my last case with them.
Had to follow up many times with the customer service @ NAS regarding the coverage for COVID19 Test. They had mentioned to submit all the proof and it'll be approved.
I submitted all the proofs after filling all the forms and taking the pain to get them signed by the hospital which suggested it was mandatory and not an option.
In the end, i was simply refused with the reason it's not covered under the policy.
Not renewing again with them.

Great insurance company. Happy with my policies and amazing customer service!

been requesting for the amendment of health insurance certificate but until now they still not given me my request. all the proof about the sponsor of the employee has given to them but still they want the visa proof.... it seems they don't know the procedure. HEALTH INSURANCE CERT must be issued first before the employee can get the visa stamp on their passport. i submiited transfer document, NOC, invoice /receipt that we already paid for the visa transfer of the employee but still they are delaying the issuance of the certificate

Health insurance company which provide affordable prices for the public

Dont buy any insurance from this company. You will end up with lots of stress as even if your doctor recommended that you be admitted, their own doctors will say that no, they need more justification. Take note, their doctors! And take note, I have a toddler and was positive for influenza b.

Beware, dont but from them. Crappy service.