General Takaful Company is the takaful subsidiary of Qatar General Insurance and Reinsurance Company, established in Doha in 2008, and it is the only Qatari takaful operator we found that puts individual medical premiums on its website, from QAR 420 to QAR 925 a year, and a visitor health plan priced from QAR 50 a month. Its audited 2025 financial statements, prepared by Deloitte, show wakala fee income of QAR 30.3 million against recognised contributions of QAR 161.5 million, just under 19%, which supports the lower-fee reputation in our provider research. The weaknesses are a website with placeholder text on the motor page and a surplus policy that, in 2025, sent the whole participants' surplus to shareholders. For how takaful differs from a conventional policy, start with our takaful versus insurance explainer.
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Ownership, governance and what the site does not show
The welcome page states the basics: General Takaful Company is a subsidiary of Qatar General Insurance and Reinsurance Company, and it was established and commenced operations in the State of Qatar in 2008 on Shariah principles and takaful concepts. The board is chaired by Mr Jassim Mohamed Y Al Kuwari, with Mr Aimen Azara as deputy chairman and Mr Omar Alsabbah, Mr Rami Zeitun and Mr Fahmi Alghussein as members. The Fatwa and Shariah Supervisory Board is chaired by Prof. Dr Ali Muhyealdin Ali Al-Quradaghi, with Prof. Dr Ahmed Abdulla O. M. Al Own and Sheikh Turki Obaid Salem Al Marii as members. A separate management team page exists.
What the pages we fetched do not display is a Qatar Central Bank licence number. Beema prints its licence on its homepage; General Takaful does not on the pages we checked, so ask for it in writing if you want it on file. Insurance in Qatar is supervised by the QCB, and complaints that the operator does not resolve go to the QCB's Customer Protection Department. Our General Takaful provider profile carries the house verdict that this is the value engineer of Qatari takaful, with the fairest disclosed economics in the market, and nothing on the site in October 2026 contradicts that, with the surplus caveat below.
The wakala fee and the surplus: what the 2025 accounts say
General Takaful runs the standard hybrid model. The company acts as wakeel, managing the participants' fund for a wakala fee deducted from contributions, and as mudarib, taking a share of the investment return on the fund. The 2025 statements, audited by Deloitte and Touche and published on the Financials 2025 page, show wakala fee income of QAR 30,258,102 for 2025 against QAR 40,841,580 for 2024, and recognised takaful contributions of QAR 161,468,394 against QAR 234,435,170. Those ratios are 18.7% and 17.4%. The mudarib share taken from the participants' investment income was QAR 4,326,714 in 2025. Our provider profile records a disclosed 20% wakala fee that also has to absorb administration; the accounts are consistent with a fee at or just below that level, and the operator's own operating and administrative expenses of QAR 37.9 million were larger than the fee, which is the point of the model.
The surplus is where the reader should slow down. The statement of participants' revenue and expenses shows a surplus for 2025 of QAR 10,244,717 before transfer, and then a transfer of the full QAR 10,244,717 to shareholders, leaving a participants' surplus for the year of nil. In 2024 the direction reversed: the participants' fund ran a deficit of QAR 7,164,550, shareholders transferred QAR 8,857,470 in, and the fund closed the year with a surplus of QAR 1,692,920. The accumulated participants' surplus stood at QAR 14,172,003 at both year ends. In plain words, shareholders absorbed the 2024 loss and took the 2025 gain, and the accumulated fund did not grow. Before you buy on the strength of a low fee, ask General Takaful in writing how the surplus distribution policy works and when a policyholder last received a distribution. Our explainer on who actually receives takaful surplus in Qatar sets out why the answer differs between operators.
Scale is also visible in the accounts. Total assets were QAR 451.7 million at the end of 2025, down from a restated QAR 507.6 million, and shareholders' profit after the transfer was QAR 15.0 million against QAR 5.3 million. Contributions fell by about 31%. This is a mid-sized operator whose results swing with reinsurance costs.
Individual medical: the only published premium table in Qatar
The individual medical page lists five plans with annual premiums in riyals: Gold QAR 849, Silver QAR 684, Bronze QAR 574, Lite QAR 420 and Pearl QAR 925. The page shows only the premium row; the benefit limits, network hospitals, co-payments and exclusions behind each tier are not on the page as fetched, and the purchase flow starts with a quote form. These are low numbers for annual medical cover, which suggests limited inpatient limits or a basic network, so the benefit schedule is the document to request before paying. The operator also sells group medical for employers.
For a family deciding between operators, the premium transparency is a real advantage over sites that quote only after a phone call. The limitation is the missing benefit table. Our four-operator medical takaful comparison places General Takaful alongside QIIC, Beema and Alkhaleej on what each publishes; get the benefit schedule for the tier you can afford and compare it line by line with the cover requirements that apply to you.
In-bound visitor health takaful and out-bound travel
The in-bound page describes the plan as mandatory visitor health insurance to Qatar for non-residents, starting from QAR 50 per month for 30 days. The published benefits are accident and emergency medical treatment up to QAR 150,000, emergency medical assistance up to QAR 35,000, repatriation of mortal remains up to QAR 10,000, and COVID-19 related medical cover up to QAR 50,000 per person per policy subject to confirmation and policy terms. The page offers a quote button rather than a direct purchase at the published price, so the QAR 50 is the entry point, not necessarily your price.
Out-bound travel takaful covers emergency medical assistance, personal assistance services, civil liability, losses and delays, COVID-19 related emergency medical expenses subject to terms, and personal accident, and the page lists a Hajj and Umrah option. There are three geographic packages: Worldwide, Worldwide excluding USA and Canada, and Schengen Area. The page states that travel cover can be issued online, which makes this the one General Takaful retail product you can complete without a call. Our travel takaful comparison for Qatar weighs these plans against the alternatives.
Motor, household, credit life and the other retail lines
The motor page sets out two plans. The comprehensive plan includes third-party vehicle damage, fire, own vehicle damage, injuries and death, third-party property damage and theft. The third-party liability plan, described as the mandatory car insurance in Qatar, includes third-party vehicle damage, third-party property damage, and injuries and death. Both list the same optional add-ons: 24/7 roadside assistance, fuel delivery, towing, dead battery, flat tyre and lock-out services. The page advertises repairs at official dealerships. Premiums are quote-only. The motor page's FAQ section contained Latin placeholder text on 2 October 2026, a sign the page is unfinished rather than a sign about the product, but the claims FAQ you would expect to read is not there.
| Line | What the page publishes | Price online |
|---|---|---|
| Individual medical | Five tiers, Gold to Pearl | QAR 420 to QAR 925 a year |
| In-bound visitor | A&E to QAR 150,000, assistance to QAR 35,000, repatriation to QAR 10,000 | From QAR 50 a month |
| Out-bound travel | Three regions, Hajj and Umrah option, issued online | Quote online |
| Motor | Comprehensive and TPL, six add-ons, dealership repair | Quote only |
| Household | Buildings, contents, rent, alternative accommodation, liability, domestic helpers | Quote only |
| Credit life | Settles outstanding finance in covered events, sold through banks | Via the financing bank |
Household cover is described as protection for building, contents, rent, alternative accommodation, public liability and accidents to domestic helpers, against a listed set of perils: fire, lightning, explosion, earthquake, riot and malicious damage, storm and flood, burst tanks and pipes, aircraft and vehicle impact, theft, accidental breakage, falling trees and accidental damage to underground property, all subject to the policy's terms, with a usual duration of 12 months. Credit life takaful is the product behind the free takaful on the financed amount that Dukhan Bank and others advertise; the page directs you to the operator for contribution amounts. Individual personal accident, housemaid cover and individual marine hull round out the retail menu.
How a General Takaful claim runs
Claims are channelled through two WhatsApp numbers and two online forms. Motor claims go to 55225570, and the online form asks for the accident number, your contact and mobile numbers, email, car registration, driving licence, police report, Qatar ID and your preferred place to fix the car, with Doha, Al Khor and Al Wakra as the options. Non-motor claims go to 55444941, and that form asks for the policy number, date and nature of loss, contact details and a police report where relevant. The site promises that you do not need to visit the office or submit paperwork to file a claim, and the main switchboard is +974 4449 9999. There is an iOS app listed on the App Store.
- Police report, which Qatar requires before any motor claim can be opened by any insurer
- Car registration card and the driving licence of whoever was driving
- Qatar ID of the policyholder and the accident number from the police
- Policy number and date of loss for non-motor claims, with photographs of the damage
- Your choice of repair location, since the form routes you to a workshop by area
What the site does not publish is a service standard: no stated time to acknowledge a claim, no average settlement period and no complaints ladder. If a claim stalls, the QCB's Customer Protection Department is the external route.
General Takaful against QIIC, Beema, Alkhaleej Takaful and Shamel
| Operator | Distinguishing published fact | Where it is weaker |
|---|---|---|
| General Takaful | Medical premiums and visitor plan priced on site; wakala fee visible in audited accounts | 2025 surplus fully transferred to shareholders; unfinished motor page |
| QIIC | Surplus declared every year since 1995, now 15%, per its own site as recorded in our QIIC review | Every premium quote-only; medical pages were down when checked |
| Beema | QCB licence 13/2009 printed on site; fully digital motor purchase with priced add-ons | No published wakala fee or surplus history on site |
| Alkhaleej Takaful | Founded 1979, converted to takaful in 2010; richest retail feature set in our profile | Fund economics less visible |
| Shamel (Doha Islamic Insurance) | Renamed Islamic arm of Doha Insurance Group, per our profile | Little retail pricing published |
The comparison rows for the rivals rest on our QIIC profile, our Beema profile, our Alkhaleej Takaful profile and our Shamel, formerly Doha Takaful, profile, which carry each house verdict. The short version is that General Takaful wins on disclosed economics and published prices, QIIC on surplus history, Beema on digital process, and Alkhaleej on product design.
Who should choose General Takaful
A visitor or a resident sponsoring a visiting parent should get the in-bound quote first, because the QAR 50 a month entry point and QAR 150,000 emergency limit are published and the purpose is narrow. A resident motorist who values dealership repair and does not mind a phone call for the premium can use General Takaful, but should get a Beema quote alongside, since Beema prices its add-ons on screen and General Takaful does not. A family buying individual medical cover should request the benefit schedule for the Silver or Gold tier, check the hospital network, and only then compare the QAR 684 or QAR 849 premium with a rival's quote.
Do not choose General Takaful because you expect a surplus cheque. The 2025 accounts show the participants' surplus transferred to shareholders in full, and the operator's site does not describe a distribution policy. Choose it because the fee is visible, the prices are printed and the claims desk answers on WhatsApp, and ask the surplus question in writing before you pay. Facts checked against g-takaful.com.qa, qcb.gov.qa on 2 October 2026.
Frequently asked questions
Who owns General Takaful in Qatar?
General Takaful Company is a subsidiary of Qatar General Insurance and Reinsurance Company, according to its own welcome page, and it was established and began operations in Qatar in 2008. Its board is chaired by Mr Jassim Mohamed Y Al Kuwari and its Fatwa and Shariah Supervisory Board by Prof. Dr Ali Muhyealdin Ali Al-Quradaghi. The company is supervised by the Qatar Central Bank.
How much does General Takaful visitor health insurance cost?
The in-bound travel takaful plan starts from QAR 50 per month for a 30-day period, according to the operator's page. It covers accident and emergency treatment up to QAR 150,000, emergency medical assistance up to QAR 35,000, repatriation of remains up to QAR 10,000 and COVID-19 related treatment up to QAR 50,000 subject to terms. The page offers a quote rather than a fixed-price checkout, so your price may be higher.
What is General Takaful's wakala fee?
The 2025 audited statements show wakala fee income of QAR 30.3 million against recognised contributions of QAR 161.5 million, which is about 18.7%. Our provider profile records a disclosed 20% fee that must also absorb administration costs. The operator also takes a mudarib share of investment income, QAR 4.3 million in 2025. The site itself does not print a percentage on its product pages.
Does General Takaful pay a surplus to policyholders?
Not in 2025, according to the audited accounts. The participants' fund produced a surplus of QAR 10.2 million before transfer, and the whole amount was transferred to shareholders, leaving nil for the year. In 2024 shareholders covered a deficit instead. The accumulated participants' surplus stayed at QAR 14.2 million. Ask the operator for its written distribution policy before relying on a surplus.
How do I make a motor claim with General Takaful?
Send the claim by WhatsApp to 55225570 or use the online motor claim form, which asks for the accident number, your contact details, car registration, driving licence, police report, Qatar ID and preferred repair location in Doha, Al Khor or Al Wakra. Non-motor claims go to 55444941 with the policy number and date of loss. The operator says no office visit is needed.
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See side-by-side comparisons of Shariah-compliant products, or let our matcher recommend the best options for your situation.
Can I buy General Takaful medical insurance online at the published price?
The individual medical page publishes annual premiums of QAR 849 for Gold, QAR 684 for Silver, QAR 574 for Bronze, QAR 420 for Lite and QAR 925 for Pearl, but the buy button leads to a quote form rather than a checkout, and the benefit limits for each tier are not shown. Request the benefit schedule and network list, then confirm the premium applies to your age and status.
