Ras AL Khaimah Health Insurance

Health insurance is mandatory in many parts of the UAE, including Ras Al Khaimah.

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Health insurance provides financial coverage that pays for medical expenses when you’re sick or injured. This insurance is important because it protects you from high medical costs and allows you to get the care you need without worrying about expenses. 

Is it Mandatory to Have Health Insurance in Ras Al Khaimah?

Yes, it is mandatory to have health insurance in Ras Al Khaimah. 

Starting from January 2025, the UAE government has extended the requirement for mandatory health insurance to all Emirates, including Ras Al Khaimah. This way, all residents will now have access to essential medical care and financial protection against high medical costs. 

The decision aligns with the broader goal of providing universal healthcare coverage across the UAE.

Some other rules and guidelines related to medical insurance Ras Al Khaimah are as follows — 

  1. Mandatory Coverage: All residents must have health insurance, whether provided by employers or purchased individually.
  2. Employer Responsibility: Employers are required to provide health insurance coverage for their employees, including domestic workers.
  3. Minimum Benefits: The basic insurance plan typically covers essential healthcare services, including doctor consultations, emergency treatments, and hospital stays.
  4. Renewal and Compliance: Health insurance must be renewed annually. Additionally, compliance with the mandatory insurance law is closely monitored — non-compliance can result in fines and other penalties.

Types of Health Insurance in Ras Al Khaimah

In Ras Al Khaimah, you can find various types of health insurance plans that cater to the diverse needs of residents. 

Here are some of the primary types of health insurance —

  1. Individual Health Insurance: This plan provides coverage for a single person. It includes medical expenses related to hospitalisation, surgery, and other treatments.
  2. Family Health Insurance Plan: This plan covers the entire family under a single policy. Usually more economical than getting individual plans for each family member, it provides coverage for hospitalisation, maternity, and other medical needs.
  3. Critical Illness Health Insurance Plan: This plan provides a lump-sum benefit upon the diagnosis of specified critical illnesses such as cancer, heart attack, or stroke. It helps cover the high costs of treatment and recovery.
  4. Senior Citizen Health Insurance: Designed specifically for individuals aged 60 and above, this plan covers medical expenses related to age-specific health issues. It often includes coverage for hospitalisation, medical tests, and sometimes domiciliary treatments.
  5. Group Health Insurance: This plan is made available to employees by their employers. It covers medical expenses related to illness, accidents, and hospitalisation. 

Group plans are cost-effective and provide extensive coverage for employees and sometimes their dependents.

Eligibility Criteria for Health Insurance in Ras Al Khaimah

Tabled below are the eligibility criteria for health insurance Ras Al Khaimah —

Types of Health Insurance

Eligibility for Medical Insurance in Ras Al Khaimah

Individual Health Insurance

  • Available for all age groups — from newborns to elderly individuals
  • Residents who are self-employed, freelancers, or not covered by employer-provided insurance can get it 
  • Must be a resident of Ras Al Khaimah with a valid residency visa

Group Health Insurance

  • No specific age limit — usually covers all employees
  • All employees working in companies operating in Ras Al Khaimah
  • Insured individuals must hold a valid employment visa

Family Health Insurance

  • Covers all family members, typically from newborns to elderly parents
  • Suitable for families living in Ras Al Khaimah 

Senior Citizen Health Insurance

  • Generally for individuals aged 60 and above 
  • Suitability — Elderly residents of Ras Al Khaimah
  • Nationality/Visa: Must be a resident with a valid residency visa

Features and Benefits of Medical Insurance in Ras Al Khaimah

Medical insurance in Ras Al Khaimah offers a wide range of features and benefits for comprehensive healthcare coverage and financial protection. Here are some of the key features —

  1. Cashless Settlement: Under this, policyholders can receive medical treatment without having to pay upfront. The insurance company directly settles the medical bills with the network hospitals.
  2. Network (TPA): Third Party Administrators (TPAs) like Nextcare, NAS, MEDNET, and others facilitate the smooth processing of claims and cashless treatments. They act as intermediaries between the insurance company and the healthcare provider.
  3. Pre and Post-Hospitalisation Cover: Medical insurance policies cover expenses incurred before and after hospitalisation, such as diagnostic tests, consultations, and follow-up treatments. This ensures comprehensive coverage of medical expenses related to a single illness or injury, both before and after hospital stays.
  4. Waiting Period for Some Diseases: A waiting period applies for coverage of certain pre-existing conditions and specific diseases. During this period, claims related to these conditions are not covered.
  5. Co-Payment Facility: Co-payment is a cost-sharing arrangement where the policyholder pays a fixed percentage of the medical expenses — the insurance company pays the rest. 

This feature makes insurance policies more affordable by reducing premiums and encourages responsible use of medical services.

  1. Coverage Type
    • Clinic Only: Provides coverage for outpatient consultations and treatments at clinics
    • Clinic + Hospital Access: Covers both outpatient and inpatient treatments, including hospital stays
    • Clinic with Specialist: Offers access to specialists and advanced treatments, including both outpatient and inpatient care

Top Health Insurance Companies in Ras Al Khaimah

Here is an overview of the top health insurance companies in Ras Al Khaimah —

  1. Orient Insurance

    • Established in 1982, Orient Insurance is part of the Al-Futtaim Group. The company has a strong presence in the UAE, including Ras Al Khaimah. It is known for its extensive branch network and customer-centric services.
    • Orient Insurance offers a variety of health insurance plans such as the Family Care plan, Health Plus plans, and Orient Care Plus. These plans provide comprehensive coverage, including inpatient and outpatient services, maternity benefits, and coverage for pre-existing conditions after a waiting period.
  2. Dubai Insurance

    • Founded in 1970, Dubai Insurance is one of the first local insurance companies in the UAE. It has a significant presence across the country and offers a wide range of insurance products.
    • The company provides health insurance plans with extensive coverage options, including inpatient and outpatient treatments, emergency services, and wellness programs. Its plans can always be customised to meet various customer needs​.
  3. Sukoon Insurance

    • Formerly known as Oman Insurance, Sukoon Insurance was established in 1975. It recently rebranded to reflect its commitment to providing peace of mind to its clients. Sukoon is an award-winning insurance provider in the UAE.
    • Sukoon Insurance offers comprehensive health insurance plans that cover a broad spectrum of medical needs, including critical illness cover, dental and gum treatment, and coverage for pre-existing and chronic conditions​.
  4. Takaful Emarat

    • Launched in 2008, Takaful Emarat specialises in Sharia-compliant insurance solutions. It has quickly become one of the leading providers of Islamic insurance in the UAE.
    • The company offers a range of health insurance plans tailored to meet the needs of individuals and families, including comprehensive coverage for inpatient and outpatient services, maternity care, and emergency treatments​.
  5. Daman Insurance

    • Established in 2006, Daman is a leading health insurance provider in the UAE, known for its extensive network and high-quality service.
    • Daman provides various health insurance plans including basic, enhanced, and premium plans. With these plans, you can be covered for a wide array of medical services such as hospitalisation, specialist visits, and preventive care​.
  6. Orient Takaful Insurance

    • Part of Orient Insurance, Orient Takaful Insurance provides Sharia-compliant insurance solutions. It combines the strength of Orient Insurance with Takaful principles.
    • Orient Takaful offers plans that include comprehensive medical coverage, maternity benefits, and preventive services. The plans adhere to Islamic principles while providing extensive health benefits.
  7. Abu Dhabi National Insurance Company (ADNIC)

    • Founded in 1972, ADNIC is among the oldest and most renowned insurance companies in the UAE. It offers a wide range of insurance products and services.
    • ADNIC health insurance plans cover inpatient and outpatient treatments, emergency services, and wellness programs. Its plans are known for offering flexibility and extensive network coverage
  8. Cigna Insurance

  • Cigna is a global health service company with a strong presence in the UAE as well. It focuses on improving its users’ health and well-being through innovative and personalised solutions.
  • Cigna provides international health insurance plans that offer extensive coverage for medical treatments, preventive care, and emergency services. Its plans cater to both individuals and families, with options for local and global coverage.
  1. Adamjee Insurance

  • Adamjee Insurance was founded in 1960. As one of the leading insurance companies in Pakistan, it has a growing presence in the UAE as well. 

Known for its commitment to customer service and extensive range of insurance products, Adamjee has established itself as a reliable insurance provider in the region.

  • Adamjee offers comprehensive health insurance plans that include inpatient and outpatient services, emergency treatments, and specialised care. Its policies also cover maternity benefits, diagnostic services, and preventive healthcare for a broad spectrum of medical needs — for individuals and families.
  1. Alliance Insurance

  • Established in 1975, Alliance Insurance is a prominent insurance provider in the UAE. It offers a wide range of insurance products and services tailored to meet the diverse needs of its clients.
  • Alliance Insurance provides various health insurance plans that cover inpatient and outpatient treatments, emergency care, and wellness programs. Its plans are designed to cater to both individuals and corporate clients for comprehensive healthcare solutions across different sectors

Best Health Insurance Plan Ras Al Khaimah

Let’s take a look at some of the best health insurance plans in Ras Al Khaimah —

Best Health Insurance Plans 

Medical Coverage 

Pharmacy Limit

Pearl – Family Care (Orient Insurance)

AED 1,000,000

Up to the Medical Cover

Safe (Sukoon Insurance)

AED 150,000

Up to the Medical Cover

Home Lite (Sukoon Insurance)

AED 250,000

Up to the Medical Cover

Green (Takaful Emarat)

AED 1,000,000

Up to the Medical Cover

Opal (Takaful Emarat)

AED 1,000,000

Up to AED 5,000

Plan 3 (Orient Takaful Insurance)

AED 1,000,000

Up to AED 7,500

Healthguard Regional (Cigna)

AED 2,750,000

Up to the Medical Cover

Basic – Plan 5 (Alliance Insurance)

AED 250,000

Up to AED 7,000

Care Bronze DNE With Dental (Daman Insurance)

AED 500,000

AED 10,000

Dubai Care N3 (Dubai Insurance)

AED 1,000,000

Up to Medical Cover

Note: For a more extensive selection of health insurance plans tailored to your specific needs, please visit the official website of Policybazaar.ae.

Inclusions of Health Insurance in Ras Al Khaimah

The key inclusions of medical insurance in Ras Al Khaimah are as follows — 

  1. Coverage for inpatient and outpatient treatments
  2. Coverage for elective and emergency treatments
  3. Some plans provide coverage for pre-existing and chronic conditions with a sub-limit
  4. Some insurers also provide private room hospitalisation class cover 
  5. Ambulance services in medical emergencies followed by admission
  6. Some plans also cover repatriation costs for transporting mortal remains
  7. Diagnostic tests, including X-rays, MRI, CT scans, and endoscopy, with co-pay
  8. Prescribed drugs and medicines with co-pay
  9. Emergency mental health treatments
  10. Coverage for newborns from birth up to 30 days (under some plans)
  11. Vaccinations for children as per MOH schedule
  12.  Some plans regarding medical insurance Ras Al Khaimah also offer dental benefits, including consultation, tooth extraction, scaling, polishing, fillings, root canal treatment, and crowns, with sub-limit and co-pay
  13. Maternity benefits, including pre and post-natal treatments, normal delivery, medically necessary caesarean sections, and maternity-related complications are also covered by plans.

Exclusions of Health Insurance in Ras Al Khaimah

Given below is the list of some exclusions of health insurance in Ras Al Khaimah —

  1. Healthcare services that are not medically necessary
  2. Dental treatment, dental prostheses, and orthodontic treatments
  3. Services for the sake of travel
  4. Custodial care and non-medical treatment services
  5. Personal comfort and convenience items
  6. Cosmetic healthcare services and breast implant replacements
  7. Surgical and non-surgical treatment for obesity and weight control
  8. Medical services for research or non-approved experiments
  9. Treatment by unauthorised healthcare providers
  10. External prosthetic devices and medical equipment
  11. Treatment for injuries arising from professional sports activities
  12. Hearing tests, vision corrections, and prosthetic devices

Cost for Health Insurance in Ras Al Khaimah

Several factors influence the cost of health insurance in Ras Al Khaimah. Here are the key factors that affect health insurance premiums —

  1. Age: Older individuals generally face higher premiums due to increased health risks and the corresponding likelihood of requiring more medical care. Insurance providers often charge higher premiums to account for the anticipated higher cost of medical services for older policyholders.
  2. Health Condition: Pre-existing health conditions can lead to higher premiums as they pose a greater risk to the insurer. 
  3. Coverage Level: Comprehensive plans that cover a wide range of medical services, including inpatient and outpatient care, diagnostics, and preventive services, typically have higher premiums. 
  4. Sum Insured: The total amount of coverage or sum insured impacts the premium. The equation is fairly straightforward — the higher the sum insured, the higher the premiums. 
  5. Deductibles and Copayments: Policies with higher deductibles and copayments often have lower premiums as the policyholder assumes a greater share of the medical costs. Conversely, lower deductibles and copayments lead to higher premiums as the insurer covers more expenses.
  6. Family History: A family history of certain diseases, such as diabetes or heart disease, can influence premiums. Insurers consider genetic predispositions as potential risks that may require medical attention in the future.
  7. Policy Add-ons and Riders: Additional benefits such as maternity coverage, dental care, and alternative treatments can increase premiums. Optional riders that enhance coverage also contribute to higher overall costs.

How to Choose the Right Health Insurance Plan in Ras Al Khaimah?

To get the best coverage for your needs, you need to consider several factors while choosing health insurance in Ras Al Khaimah —

  1. Evaluate your medical history and check any healthcare needs that you might have. This includes considering any pre-existing conditions and the frequency of your medical visits.
  2. Look at the coverage offered by different plans, including inpatient and outpatient care, emergency services, and specialist consultations.
  3. The insurance plan includes a network of hospitals, clinics, and doctors that are easily accessible to you. Verify if your preferred healthcare providers are included in the network.
  4. Compare the premiums, deductibles, co-payments, and out-of-pocket maximums of different plans. Choose a plan that fits your budget while still providing adequate coverage.
  5. Review the exclusions and limitations of the plan to know what is not covered. 

How to Apply for Health Insurance Plan in Ras Al Khaimah?

Policybazaar.ae is your one-stop destination to apply for medical insurance in Ras Al Khaimah. 

Policybazaar UAE is an award-winning platform that offers multiple insurance products, including health, life, motor, and travel insurance. It also provides free expert advice, helping customers choose the best insurance plans to suit their needs. 

The platform is known for its user-friendly interface, extensive comparison options, and reliable customer service.

To apply for a health insurance plan through Policybazaar.ae, follow these steps —

  1. Visit the official website of Policybazaar UAE.
  2. Go to the ‘Health Insurance’ section.
  3. Fill out the lead form with your details.
  4. Go to the health insurance quotes page and compare the available insurance products.
  5. Hit the ‘Apply’ button and wait for a representative to contact you.

Claim Process for Health Insurance in Ras Al Khaimah

Check out the general claim process for health insurance in Ras Al Khaimah below —

  1. Notification and Documentation
    • Notify the insurance company within 24 hours for emergency treatments, or as soon as possible for other claims.
    • Ensure that you have all required documents, including a completed claim form, medical reports, invoices, and receipts.
  2. Submitting the Claim
    • You can submit some claims through the insurance company's portal.
    • Alternatively, you can send the documents to the insurance company's head office.
  3. Direct Billing
    • For treatments within the network, present your health insurance card and identity proof at the hospital or clinic.
    • The hospital will directly bill the insurance company for covered services.
    • Pay any applicable deductibles or copayments as per your policy terms.
  4. Reimbursement Claims
    • If you receive treatment outside the network, pay for the treatment and keep all invoices and receipts.
    • Submit a reimbursement claim form along with the necessary documents to the insurance company.
    • The insurance company will review and reimburse the eligible expenses as per the policy terms and conditions.
  5. Claim Approval and Settlement
    • The insurance company will review the claim and may request additional information or documents if needed.
    • Once approved, the claim will be settled either by direct payment to the healthcare provider (for direct billing) or by reimbursement to your bank account or via cheque.
  6. Pre-Approval Requirements
    • Certain treatments and procedures require prior approval from the insurance company.
    • This includes surgeries, MRI scans, CT scans, and other high-cost treatments.
  7. Follow-Up
    • Keep track of your claim status through the insurance company's portal or customer service.
  8. Appeals
    • If your claim is denied, you have the right to appeal the decision.
    • Provide any additional documentation or clarification required to support your claim.

Best Health Insurance Companies in Ras al Khaimah

Listed below are the leading health insurance providers in Ras al Khaimah

Adnic
ADNIC
30+ Plans
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RAK
RAK
Check Plans
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Al Sagr
Al Sagr National Insurance
10+ Plans
Explore Plans
Orient
Orient
10+ Plans
Explore Plans
Orient
Watania
15+ Plans
Explore Plans
Orient
Sukoon
5+ Plans
Explore Plans
DNIRC
DNIRC
Check Plans
Explore Plans
Orient
Dubai Insurance
10+ Plans
Explore Plans
Orient
Dubai Insurance
20+ Plans
Explore Plans
Orient
HAYAH Insurance
Check Plans
Explore Plans

Health Insurance Available Others Emirates UAE in

Sharjah , Fujairah , Umm al Quwain , Ajman , Abu Dhabi, Dubai

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