Company-Specific Forms
This guide provides comprehensive information about all forms specific to Watania Takaful policies, designed to comply with Sharia principles while ensuring efficient healthcare administration through NAS Neuron.
Takaful Forms Directory
Primary Claim Forms
| Form Name | Purpose | Sharia Features |
|---|---|---|
| Takaful Reimbursement Form | Claim refund from Tabarru' fund | Includes declaration of lawful treatment |
| Direct Billing Shortage Form | Claim balance when partial payment made | Certifies no interest charged |
| International Takaful Claim | Overseas medical expenses | Currency declaration at spot rate |
| Alternative Medicine Form | Prophetic/traditional medicine claims | Practitioner certification required |
Pre-Authorization Forms
| Form Name | Purpose | Review Process |
|---|---|---|
| Surgery Pre-Approval | All surgical procedures | Medical + Sharia review |
| Maternity Registration | Pregnancy and delivery coverage | Automatic approval |
| Chronic Medication | Long-term medicine approval | Halal alternatives checked |
| Mental Health Services | Psychiatric/counseling approval | Islamic counseling option |
| Gender Preference Request | Same-gender doctor request | Priority processing |
Member Services Forms
Enrollment & Changes
- New Member Enrollment: Initial Takaful participation
- Add Dependent Form: Add spouse(s) or children
- Newborn Addition: Add baby within 30 days
- Delete Member Form: Remove from Takaful
- Beneficiary Designation: Sharia-compliant inheritance
Update Forms
- Contact Update: Address, phone, email changes
- Islamic Bank Details: For Sharia-compliant payments
- Card Replacement: Lost/damaged card request
- Contribution Method: Change payment method
Sharia-Specific Forms
Compliance Declarations
| Form Type | When Required | Purpose |
|---|---|---|
| Accident Declaration | All accident claims | Confirm lawful activity at time |
| Treatment Compliance | Questionable procedures | Certify medical necessity |
| Surplus Distribution | Annual distribution | Accept/donate surplus options |
| Zakat Calculation | Upon request | Medical expense Zakat eligibility |
Form Completion Guidelines
Section A: Member Information
- Full name as per Emirates ID/Passport
- Takaful certificate number (starts with WT-)
- Member ID from Takaful card
- Contact details (mobile required for SMS)
- Email for digital correspondence
Section B: Medical Information
- Date and time of treatment
- Diagnosis in medical terms
- Provider name and license
- Treatment description
- Total cost in AED
Section C: Sharia Declaration
- Confirm treatment was necessary
- Declare no Haram activities involved
- Certify information is truthful
- Understand Takaful principles
- Accept Sharia Board decisions
Section D: Signatures
- Member signature and date
- Guardian signature for minors
- Witness if required
- Provider attestation where applicable
Specialized Forms
Maternity Package Form
Comprehensive maternity coverage registration:
- Expected delivery date
- Choice of hospital/birthing center
- Preference for female medical staff
- Home birth option (with licensed midwife)
- Traditional post-natal care inclusion
Hajj/Umrah Medical Form
Special coverage during pilgrimage:
- Travel dates and destinations
- Pre-existing condition declaration
- Vaccination records
- Emergency contact in Saudi Arabia
- Repatriation preferences
Alternative Medicine Authorization
For traditional and prophetic medicine:
- Type of treatment (Hijama, Ruqyah, etc.)
- Practitioner qualifications
- Medical justification
- Expected number of sessions
- Integration with conventional treatment
Form Submission Process
Digital Submission (Preferred)
- Download form from myNeuron app
- Complete electronically or print
- Scan with all supporting documents
- Upload through secure portal
- Receive instant acknowledgment
- Track status online
Email Submission
| Form Category | Email Address | Response Time |
|---|---|---|
| Reimbursements | takaful.claims@neuron.ae | 48 hours |
| Pre-approvals | takaful.approvals@neuron.ae | 24 hours |
| Member updates | takaful.services@neuron.ae | 3 days |
| Sharia queries | sharia.advisory@neuron.ae | 5 days |
Physical Submission
For original documents:
- Dubai: Watania Takaful, P.O. Box 9588, Dubai
- Abu Dhabi: Watania Takaful, P.O. Box 46969, Abu Dhabi
- Drop Box: At major network hospitals
- Use registered post for security
Form Processing Timelines
| Form Type | Standard Processing | With Sharia Review |
|---|---|---|
| Reimbursement claims | 5-7 working days | 7-10 working days |
| Pre-approvals | 24-48 hours | 48-72 hours |
| Member additions | 3 working days | N/A |
| Surplus distribution | 30 days from declaration | N/A |
| Appeals | 10 working days | 15 working days |
Common Form Errors
- ❌ Incomplete Sharia declaration section
- ❌ Missing certificate number
- ❌ Unsigned or undated forms
- ❌ Conventional insurance terminology used
- ❌ Interest-bearing account provided
- ❌ Supporting documents not attached
- ❌ Old form versions used
Form Assistance Services
Support Channels
- Takaful Help Desk: 800-4408 (Option 2)
- WhatsApp Support: +971 50 XXX XXXX
- Branch Assistance: Form filling help available
- Video Guidance: Tutorial videos in app
- Multilingual Support: Arabic, English, Urdu
Special Assistance
- Elderly members: Home visit service
- Visually impaired: Audio form filling
- Illiterate members: Verbal declaration accepted
- Urgent cases: Express processing available
Digital Innovation
Watania Takaful embraces technology while maintaining Sharia compliance:
- E-signature with timestamp
- Blockchain verification for documents
- AI-assisted form checking
- Smart forms with auto-validation
- Integration with UAE Pass