Health insurance in Ras al Khaimah

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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.

Health Insurance UAE Plans

The above plans and premiums are for AED 150,000 Sum insured for 1 Adult of 21 Years for Dubai city.

Health Insurance in Ras al Khaimah: An Overview

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.

Best Health Insurance 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

Types of Health Insurance in Ras al Khaimah

Discussed below are the major types of health insurance in Ras al Khaimah as per the plans offered by the top insurance providers -

  • Individual Health Insurance - This type of health insurance in Ras al Khaimah offers coverage to only a single individual. Individual health insurance offers financial coverage against critical illness treatment and other benefits like cashless hospitalisation, costs of diagnostics (subjected to co-payment if applicable), and more. 
  • Senior Citizen Health Insurance - These plans are specially designed for individuals who are 60 years old or more. Remember that senior citizen health insurance in Ras al Khaimah has a higher premium than other health insurance plans, as senior citizens are at a higher risk of catching an illness compared to young individuals.
  • Family Health Insurance - Specially designed for families, this health insurance in Ras al Khaimah combines the wider scope of coverage with affordability. This eliminates the hassle of purchasing an individual health insurance plan for each family member and covers all the eligible members under one plan. 
  • Group/Employee Health Insurance - This type of health insurance in Ras al Khaimah is purchased by employers, who control the inclusions and exclusions of the employees based on when they join and leave the organisation. This health insurance plan has a lower average premium due to the large number of covered individuals and is tailor-made to meet the requirements of the company.

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Features and Benefits of Health Insurance in Ras al Khaimah

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 -

  • Cashless Treatment - If the policyholder gets admitted into a network hospital, they can secure a cashless treatment benefit for the treatment. They can simply provide the policy number at the time of hospitalisation and have the insurance provider take care of the treatment charges.
  • Complimentary Medical Check-ups - As a part of the medical insurance policy in Ras al Khaimah, the policyholder is entitled to regular health check-ups at the network hospitals.
  • Room Rent - The policyholder can avail of hospital accommodation benefits under their health insurance in Ras al Khaimah. 
  • Ambulance Service - The insurance company will cover all costs for the transportation of the insured to the hospital if the latter chooses this service when purchasing the policy.
  • Reimbursement - Only hospitals on the network panel are eligible for cashless treatment options. The policyholder must use the insurance company's reimbursement facility if they opt for a hospital that is not on the medical panel. 

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.

Inclusions for Health Insurance in Ras al Khaimah

Here are the major inclusions for health insurance in Ras al Khaimah -

  • Declared pre-existing and chronic health conditions (subjected to a waiting period)
  • In-patient hospitalisation treatments
  • Regular health check-ups
  • Hospital accommodation charges
  • Maternity cover (subjected to a waiting period) and neonatal care
  • Mandatory vaccinations and inoculations
  • Ambulance costs
  • Day care procedures
  • Medication costs
  • Pre- and post-hospitalisation
  • Doctor’s consultation fees
  • Post-operation treatments (like physiotherapy)

Ras al Khaimah Health Insurance Exclusions

Listed below are the common facilities and conditions that are excluded from health insurance in Ras al Khaimah -

  • Medical treatment like liposuction for obesity
  • Cosmetic surgeries or hormone transplant
  • Undeclared pre-existing medical conditions
  • Injuries or medical conditions incurred due to suicide attempt, self-harm, or illegal activities
  • Any medical treatment that does not cater to the insured individual’s health and well-being

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How to File a Claim for 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 - 

  • Filing Claim within the Network Hospital

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. 

  • Filing a Claim for a Non-Network Hospital 

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.

How to Apply for Health Insurance in Ras al Khaimah?

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 -

  • Platform to compare plans from the top insurance providers under one roof
  • 24/7 expert advice and impeccable customer service (available on phone as well as WhatsApp)
  • Exclusive discounts and offers on the premium amount
  • Insurance plans at the most affordable prices

To know more about health insurance in Ras al Khaimah, check the following FAQ section.

Frequently Asked Questions

What documents are required to file a claim for health insurance in Ras al Khaimah?

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.

Is health insurance mandatory in Ras al Khaimah?

From March 31st, 2023, health insurance will become mandatory in all the northern Emirates including Ras al Khaimah.

Why do you need health insurance in 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.

What is the minimum age to secure health insurance in Ras al Khaimah?

The applicant must be at least 18 years old to buy health insurance in Ras al Khaimah.

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