• Convenient Claim Submission

    As a customer-centric insurer operating in the region for more than 50 years, we understand the kind of support our customers expect from us when making a claim. This period, we believe, is the most important part of our relationship with our customers. This page contains all claim-related information and documents across categories. 

    • AED 2 billion in claims paid every year
    • Super fast claim processing and payment
    • Winner of Most Customer-Centric Insurance Company in 2024

Health

You can conveniently submit, track and manage your medical claim through our online portal or mobile app. We have provided all details regarding the claim process below. Further, you can click here to get the contact details of your nearest TharwatALwatan branch.

  • CLAIM INTIMATION

     

    • You may submit the completed form online by clicking here or through the myTharwatALwatan mobile app

     

    • It can also be delivered to any of our branches or dispatched through your broker 

     

    • Couriered to the below address:

    Medical Claims Department,
    TharwatALwatan,
    Unit No 12, Floor 12 Al Sila Tower, ADGM Square,
    Al Maryah Island
    Abu Dhabi, UAE

     

    Retain a copy of all the documents submitted for your future reference.

  • DOCUMENTS REQUIRED

    Upload the following documents along with a completed, stamped and signed claim form to the myTharwatALwatan app or portal
     
    • Original invoices/bills showing payment confirmation
    • Medical and/or lab test reports
    • All claims submitted must be in original and translated to either English or Arabic for settlement
    • Healthcare insurance card copy of the claimant
    • Summary table of invoices from the Reimbursement Claim Form (completed)

    We require original versions of the documents mentioned above for claims amounting to over:

     

    • Abroad: AED 5,000 

    • UAE: AED 10,000 

     

    We may ask for additional documents as and when they are required for the claim processing.

  • CLAIM PROCESSING

    Make sure that the form is submitted within 120 days of the treatment to ensure timely processing. Both you and the attending doctor must fill the form for each visit or course of treatment.

    Remember that only one claim submission is allowed per person and therefore, family members must apply individually.

    You can update your International Bank Account Number (IBAN) on our myTharwatALwatan app or myTharwatALwatan portal for faster payment processing.

  • CLAIM SETTLEMENT

    We will try our best to pay all eligible claims within 3 weeks of submission of the form.

    You will be reimbursed as per the customary prices in our network. This means that if your doctor charges a general consultation fee of AED 400 when the average consultation fee is AED 250 in your applicable network, we will only reimburse the AED 250.

    Moreover, if applicable, co-insurance will be levied along with your network deductible. The usual co-insurance rate stands at 20%. So, in the above example, considering that your network deductible is AED 50, we will apply 20% co-insurance on AED 200, and reimburse AED 160.

     

Travel

Let us first express our sympathies for the event that led you here. We will do our best to support you in this difficult time, and make the claims process as smooth as possible.

You can use the following process to apply for a travel claim.