Best Health Insurance Ras Al Khaimah

Affordable Health Insurance for You and Your Family
Selecting health insurance for
  • Self/Family
  • Domestic Workers
  • Investor



Worldwide Coverage
Wide Choices
Expert Advice
Claim Assistance

As the demand for quality healthcare continues to rise, it becomes important to understand the options with respect to health insurance plans. With the UAE insurance industry having excellent insurance providers throughout the country, however, you can find all sorts of health plans that cater to diverse requirements.

In this article, we will explore the options with respect to the best health insurance in Ras Al Khaimah. We will be covering their key features, coverage options, benefits, and more. So whether you are an expatriate or a UAE national, you would be able to make an informed decision regarding your healthcare coverage with this guide.

The above plans and premiums are for AED 1,000,000 Sum insured for 1 Adult of 30 Years for Dubai city.

Top Health Insurance Providers in Ras Al Khaimah

With the sheer number of providers available (not to mention the number of plans as well!), choosing one health insurance provider for yourself can be daunting. However, by checking the basic aspects of the top providers and their plans, you can certainly understand which one is the best health insurance in Ras Al Khaimah for you.

Discussed below are some of the providers offering the best health insurance in Ras Al Khaimah:

Takaful Emarat

Founded in 2008, Takaful Emarat Insurance PSC is one of the most renowned Sharia-compliant insurance providers in the country. Popular for its affordable plans that offer comprehensive coverage, its health insurance plans in UAE provide coverage for different types of illness along with sessions of physiotherapy, dental treatment, and more.

Takaful Emarat Health Insurance Plans

  • Rhodium
  • Iridium
  • Platinum
  • Gold
  • Silver Plus
  • Diamond

Benefits of Takaful Emarat Insurance Plans

  1. Coverage for prescription drugs - up to AED 15,000
  2. You can get medical coverage of up to AED 1 million with these plans
  3. Physiotherapy covered in the plans (up to 20 sessions in a year)
  4. Optical and dental coverage for up to AED 1,500 and AED 3,000 respectively

health insurance

Abu Dhabi National Insurance Company

ADNIC Health Insurance, listed on the Abu Dhabi Securities Exchange, is a prominent name with respect to health insurance in UAE. Their SHIFA health insurance plan is available in four variants as we will see below. Moreover, the company provides coverage for people visiting the UAE as well.

ADNIC Health Insurance Plans

  • Platinum
  • Gold
  • Silver
  • Bronze

Benefits of ADNIC Insurance Plans

  1. Annual medical coverage of up to AED 5 million (valid in the UAE and across the globe).
  2. The plan provides coverage for pre-existing diseases and others.
  3. Dental cover of up to AED 7,000 (subject to 20% copayment)
  4. Coverage for psychological counselling and psychiatric treatments - covered up to AED 30,000

Al Sagr National Insurance Co

Al Sagr National Insurance Co., founded in 1979, has its headquarters in Dubai. It offers some of the most cost-effective policies in Ras al Khaimah and provides coverage for families, individuals elderly people, and more. With a wide variety of plans available, you can go for plans with basic coverage as well as those with comprehensive ones.

Al Sagr Insurance Plans

  • Silver - Plan A
  • Silver - Plan B
  • Diamond - Plan A
  • Diamond - Plan B
  • Steel
  • Platinum - Plan A
  • Platinum - Plan B
  • Gold - Plan A
  • Gold - Plan B
  • Bronze

Benefits of Al Sagr Insurance plans

  1. Outpatient and inpatient maternity cover provided 
  2. Coverage provided for both inpatient and outpatient treatment
  3. Cover for hearing and vision aids (subject to a 20% copayment) 
  4. Other services such as laboratory tests, physiotherapy sessions, emergency treatment, and more covered

Sukoon Insurance

Previously Oman Insurance Health Insurance Company, Sukoon Insurance is among the most celebrated insurance providers in the UAE. Its offerings include comprehensive health insurance plans that provide excellent coverage at quite affordable rates! 

Sukoon Health Insurance Plans

  • DHA EBP Plans
  • Health Plus

The Health Plus plan can be further categorised into the following variants -

  • Pro
  • Prime
  • Safe
  • Home
  • Max
  • HomeLite

Benefits of Sukoon Insurance Plans

  1. Emergency coverage provided across the world
  2. Medical cover of up to AED 5 million
  3. Routine and enhanced dental services covered
  4. Cover of up to AED 150,000 for pre-existing conditions (subject to a waiting period and declaration at the time of applying)

Cigna Insurance

Cigna Insurance Health Insurance is one of the most eminent names in insurance across the world. In the UAE as well as the GCC region, the company offers insurance solutions via Cigna Middle East. With its global insurance experience, Cigna offers great health insurance plans that offer both regional and international coverage. 

Cigna Health Insurance Plans

  • Healthguard Regional General
  • Healthguard Regional General Plus
  • Healthguard International WWE General
  • Healthguard International WWE General Plus

Benefits of Cigna Insurance Plans

  1. High annual coverage limit of up to AED 7.35 million 
  2. Inpatient and outpatient maternity cover provided
  3. Inpatient expenses related to emergency assistance, hospital accommodation, fees of surgeons and anaesthetists, and more are covered 
  4. Outpatient coverage includes physiotherapy, consultations, screenings, children’s immunisation, and more
  5. Coverage for home nursing - up to AED 18,000

How to Buy the Best Health Insurance in Ras Al Khaimah?

To buy the best health insurance in Ras Al Khaimah right from the comfort of your home, you should simply visit! On our platform, you will find the top health insurance plans from the top-rated providers in one place. You can easily compare these plans in terms of their benefits, exclusions, and more and go with a plan that fits your requirements.

To buy health insurance online from, you can straightaway head to the ‘health insurance section. This can be done by clicking on the ‘Insurance’ header or the health insurance icon on the homepage.

Fill out the lead form with the specified details to see all the relevant policies on the health insurance quotes page. You can now take your time to compare the plans and apply for one that suits you best.

Here’s what you can get when you purchase a health insurance plan through -

  • Easy-to-access platform that displays all the relevant details
  • 24x7 customer service
  • Best health insurance plans in one place and at the most affordable rates
  • Expert advice
  • Platform to compare the best options to make an informed decision

Have a look at some frequently asked questions concerning the best health insurance in Ras Al Khaimah -


Q1. Do health insurance plans in Ras Al Khaimah cover pre-existing conditions?

Ans: Yes, health insurance plans in the UAE cover pre-existing conditions that were declared at the time of applying. However, insurance providers may apply a waiting period on these conditions.

Q2. How can I renew my health insurance coverage?

Ans: You can easily renew your health insurance plan on

Q3. Is maternity cover provided in the insurance plans?

Ans: Yes, health insurance plans in the UAE provide maternity coverage. However, as the specifics of maternity coverage may vary, you should carefully examine your policy documents or connect with your insurance provider to know more regarding the same.

More From Health Insurance