Cover for your vehicle and the people you share the road with
Medical Takaful helps meet the cost of medical treatment for you and your family, or for your employees and their dependants under a group scheme. Cover is built from benefit sections: Inpatient, Outpatient, Dental, Optical and Maternity. You choose the sections that suit you, and every member receives a Member ID card. The benefits, limits and any waiting periods are set out in your schedule and Explanation of Benefits, so you know what applies before you need treatment.
Contributions from all participants form a shared fund that pays eligible medical claims. Kalkaal manages the fund as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Choose the benefit sections you need: Inpatient, Outpatient, Dental, Optical and Maternity
- Cover for you alone, for your family, or for your workforce under a group scheme
- A Member ID card for every member, showing their membership details
- Benefits and limits set out clearly in your schedule and Explanation of Benefits
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Individual and Family Medical Takaful
Cover for you and the dependants you name, with the benefit sections you choose and a Member ID card for each person.
Group Medical Takaful
A scheme for employers covering staff and, if chosen, their dependants. Benefit sections and limits can differ by staff grade, as set out in the schedule.
What’s covered
- Inpatient: hospital admission, surgery, accommodation, nursing and theatre costs
- Outpatient: consultations, diagnostic tests, imaging and prescribed medicines
- Dental: dental examinations and treatment, as set out in your schedule
- Optical: eye tests, and spectacles or lenses, as set out in your schedule
- Maternity: antenatal care, delivery and postnatal care, after any waiting period
- Your spouse and children as dependants, where named in your schedule
Not covered and conditions
- Conditions that existed before cover started, unless declared and accepted in your schedule
- Cosmetic treatment, unless needed after a covered accident
- Treatment that is experimental or not medically necessary
- Self-inflicted injury and treatment for substance misuse
- Treatment during a waiting period, such as for maternity, as stated in your schedule
- Benefit sections that are not shown in your schedule
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Show your Member ID card whenever you attend a medical facility.
- Keep every invoice, receipt, prescription and medical report.
- Ask the treating doctor to complete their part of the claim form.
- Where your schedule allows you to pay first and claim back, send the claim form with the original receipts and reports to Kalkaal within the period stated in your schedule.
Documents you will usually need
- The patient's Member ID card number
- Completed claim form, including the treating doctor's section
- Original itemised invoices and receipts
- Prescriptions and medical reports
- Laboratory and imaging results, where tests were done
- Discharge summary, for inpatient treatment
- Referral letter, where your schedule requires one
What you’ll need for a quote
- For individuals and families: names, dates of birth and relationships of everyone to be covered
- A completed health declaration for each person, where requested
- Copies of identity documents for the main member and adult dependants
- For groups: a staff list or census with dates of birth, dependants and each person's grade
- Your business registration or trade licence, for group cover
- Previous claims experience, if your group is moving from another medical scheme
- The benefit sections you want, such as Dental, Optical or Maternity
FAQs
Are pre-existing conditions covered?
They are generally excluded unless your schedule says otherwise. Please declare all conditions when you apply.
What is the Member ID card for?
Every member covered by Medical Takaful receives a Member ID card. It shows your membership details so that a medical facility and Kalkaal can identify you and check the benefits in your schedule. Carry it with you and show it whenever you attend for treatment. If it is lost, tell Kalkaal straight away.
Where can I see my benefits, limits and waiting periods?
Your schedule and Explanation of Benefits set out the benefit sections you have chosen, the limits for each, any waiting periods, and the conditions that apply, for example to maternity. Read them before you need treatment, and ask a Kalkaal advisor if anything is unclear. Treatment outside your chosen sections or limits is not covered.
Can an employer include staff dependants in a group scheme?
Yes. A group scheme can cover employees only, or employees and their dependants, such as a spouse and children. The employer chooses the benefit sections and limits, which may differ by staff grade. To prepare a quotation, a Kalkaal advisor will ask for a staff list or census showing each person's date of birth and the dependants to be covered.
You may also need
Protection for your home, your premises and what is inside
Cover for medical emergencies and disruption while you travel
Request a call back
Prefer to talk it through?
Leave your number and a Kalkaal advisor will call you back at a time that suits you, in your language.