DNI currently has different health insurance plans to meet all your requirements. So, if you are in the market for such insurance plans, learn about the DNI health insurance features and benefits in detail and then decide.
Valid on select insurers. T&C apply *
By the end of Quarter 1 of 2023, it would become mandatory to provide health insurance to employees in northern Emirates including Ras al Khaimah, Sharjah, Umm al Quwain, Ajman, and Fujairah. This is being lauded as a welcome change - earlier, the choice of providing health insurance depended on the concerned company.
The way health insurance operates in these Emirates has come to light as a result of this revelation. This article will focus on Ras al Khaimah and explain how health insurance works there. You will also find out more about the leading insurance companies, the features and advantages of health insurance in Ras al Khaimah, its inclusions and exclusions, and other information in this article.
The cost of medical care has increased over the majority of the UAE - over the last 5 years, the price of medical care has virtually tripled. Depending on the type of treatment that you require, healthcare without private medical insurance can be highly expensive. Bills that are in tens of thousands of dirhams are not uncommon.
While there is no common health insurance programme in Ras al Khaimah, there are ample private health insurance providers in the Emirate. Read further to know about the top insurance providers in Ras al Khaimah.
Here are the top health insurance companies in Ras al Khaimah and their major plans -
Plan Name | Medical Coverage | Pharmacy Coverage | Price |
---|---|---|---|
Takaful Emarat - Platinum | AED 1,000,000 | Up to AED 10,000 | View Quotes |
Adamjee Insurance - Silk Road | AED 1,000,000 | Up to Medical Cover | View Quotes |
Noor Takaful - Silk Road - Family Care Plan A | AED 1,000,000 | Up to Medical Cover | View Quotes |
Dubai National Insurance - Silk Road | AED 1,000,000 | Up to Medical Cover | View Quotes |
Orient Takaful UNB Insurance - Plan 5 | AED 1,000,000 | Up to AED 5,000 | View Quotes |
Orient Takaful UNB Insurance - Plan 3 | AED 1,000,000 | Up to AED 7,500 | View Quotes |
Discussed below are the major types of health insurance in Ras al Khaimah as per the plans offered by the top insurance providers -
With health insurance in Ras al Khaimah, the insured individual can get benefits across three major levels. First, they won’t need to stress about their medical treatment or expenses. Second, they can concentrate on recovering quickly. Thirdly, all they have to do to receive treatment is find a network hospital. These features ensure that the life savings of an individual are not depleted in case they face any medical issues.
Here are some more features and benefits of health insurance in Ras al Khaimah -
In case the insured is admitted to a hospital outside of the network, they will initially be responsible for paying the hospital bill. After receiving treatment, they can provide the insurance provider with all the relevant invoices and paperwork to request compensation for the same.
Keep in mind that the limit of expenses that can be reimbursed cannot exceed the amount insured under the health insurance plan.
Here are the major inclusions for health insurance in Ras al Khaimah -
Listed below are the common facilities and conditions that are excluded from health insurance in Ras al Khaimah -
The process of filing a claim for health insurance in Ras al Khaimah depends on where the policyholder chooses to get treated, i.e., at a network hospital (affiliated with the policy provider) or a non-network hospital (not associated with the policy provider).
Discussed below are the claim procedures for both scenarios -
Network healthcare providers in Ras al Khaimah work in close association with health insurance providers. A policyholder can seek cashless claim settlement when getting treated in any of these hospitals by simply informing the hospital about the policy and submitting the required details.
As part of the process, the insurer will settle the medical bills and the treatment costs on the policyholder’s behalf. However, if the treatment cost exceeds the cashless claim limit, the insured individual would need to pay the excess amount.
Here, the insured individual would have to bear the treatment costs at the non-network hospital. Afterwards, they can seek reimbursement from the insurance provider for the treatment costs by presenting the hospital bills and other documents as proof. The reimbursement amount will depend on the limits set by the insurance provider in the policy wording.
Applying for health insurance in Ras al Khaimah is quite easy. You can easily buy health insurance from policybazaar.ae, which offers the best plans for health insurance in Ras Al Khaimah from the country’s top insurance providers. A big advantage of our site is that you can also connect with our insurance experts to get an unbiased comparison of the insurance plans, which can be of your help if you are confused.
When you purchase health insurance in Ras al Khaimah from Policybazaar UAE, you can enjoy these benefits -
To know more about health insurance in Ras al Khaimah, check the following FAQ section.
To file a health insurance claim, you need to provide the medical bills, reimbursement claim form, diagnostics and lab report, copy of the policy details, the doctor’s reference letter, and your banking details. Note that additional documents may be required by the insurer as per their policies.
From March 31st, 2023, health insurance will become mandatory in all the northern Emirates including Ras al Khaimah.
With health insurance in place, the health insurance provider pays for the treatment and allows you to focus on the recovery process. Health insurance ensures that you do not end up losing your life savings if you face any medical issues.
The applicant must be at least 18 years old to buy health insurance in Ras al Khaimah.