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The health insurance plans of RAK Insurance are the Life Insurance plan, Dubai Essential Medical Plan, and RAK Essential Medical Insurance Plan. RAK medical insurance goes beyond simply providing outstanding protection to users - it also boasts extremely effective risk assessment and underwriting ...read more
The RAK Insurance health policies were brought into effect in 1974 when RAK Insurance was set up in the emirate of Ras Al Khaimah. In 2015, RAKBANK officially took over RAK Insurance with a majority stake of more than 79%. Today, RAK health insurance operates with a paid up capital of AED 110 million and is also listed on the Abu Dhabi Securities Exchange (ADX).
Boasting of highly effective risk analysis and underwriting processes, the RAK medical insurance does more than offer exceptional protection to its policyholders. The RAK Bank health insurance also incorporates innovative new practices and the latest technologies on the market to provide the very best of protection for its customers in Ras Al Khaimah and across the UAE.
RAK medical insurance coverage is available in three major varieties: as the Life Insurance plan, as the Dubai Essential Medical plan and as the RAK Essential Medical Insurance plan.
Hailed as one of the most comprehensive and affordable health insurance policies in the UAE, the RAK Bank medical insurance policy is catered to perfectly protect the interests and physical wellbeing of UAE residents.
Applicants can avail of the RAK insurance health policy via any of the three plans mentioned below:
The three types of RAK health insurance plans are further expanded upon below:
This RAK Bank health insurance plan is offered to customers in two formats, as explained below. As members of the RAK Bank medical insurance, policyholders are required to specify a beneficiary who will be given the insurance amount in the event of the policyholder’s death. The RAK medical insurance plan for life insurance is further split into the following types:
Offered to Ras Al Khaimah visa holders, the RAK Essential Medical Insurance plan provides a comprehensive range of medical covers and maternity benefits amongst its many available services. Members of this RAK medical insurance are offered a maximum yearly limit of AED 50,000 which can be accessed with premiums as low as AED 499 (for a year’s cover).
For applicants with a Dubai visa, the Dubai Essential Medical RAK Bank medical insurance is the perfect mix of affordability and protection. First and foremost, the Dubai Essential Medical offers all of the covers that the Dubai Health Authority (DHA) mandates for Dubai visitors and residents alike. But this RAK health insurance in Dubai goes above and beyond the standard DHA mandated insurance, offering customers additional services, benefits, hospital connectivity, and more.
The table below contains the details of the scope of RAK medical insurance coverage for the popular RAK Essential Medical policy.
|RAK Health Insurance|
|RAK Essential Medical Insurance||Yearly limit of AED 50,000|
|In-patient services cover offered|
|Out-patient services cover offered|
|Up to 6 physiotherapy sessions every year|
|Up to AED 1,500 yearly limit for prescription medications|
|Maternity services cover offered (in-patient and out-patient both)|
|Accompanying visitor costs covered (for children up to the age of 16 years, up to AED 100 per night)|
|Accompanying visitor costs covered for one person (up to AED 100 per night)|
|Newborn services cover offered (up to 1 month from the date of birth)|
|Vaccinations & Inoculations cover offered|
|Preventive check cover offered (e.g.: a screening test for diabetes)|
|Emergency dental cover offered|
|Emergency vision/hearing treatment cover offered|
(Updated on May 2019)
There are very few services that do not fall under the all-encompassing umbrella of the RAKBANK health insurance plans. These exclusions are subject to change as per the discretion of RAK Insurance.
Making claims is extremely simple and highly effective with a RAKBANK health insurance plan. Policyholders are issued a virtual RAK health insurance card to make such situations as painless as possible.
All RAK medical insurance policyholders are required to do is present their virtual RAKBANK health insurance card and their Emirates ID at the healthcare provider. RAK insurance covered hospitals usually immediately process this request, while hospitals outside this approved list may require additional documentation. Policyholders are also advised to note down or remember their policy number, as it will be required to access any of the RAK health insurance benefits.
Policyholders can find out more about the RAKBANK medical insurance plans and claims process by contacting the RAK Insurance support team at 800-7254.
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To apply for RAK Health Insurance in the UAE, you will be required to keep the following documents available
The following are the major inclusions for RAK Health Insurance -
RAK Health Insurance plans are available for both UAE nationals and Dubai Visa holders.
To file a claim, you will simply need to present your RAKBANK health insurance card and the Emirates ID at any of the network hospitals. The overall process is quite swift, meaning that the insured individual can receive the required treatment in a timely manner.
To make the process smoother, you can take note of your policy number as it may come in handy at any point of your treatment. For further details, you can even connect with the support team at 800-7254.
Listed below is the number of healthcare facilities in the SEHTEQ Basic insurance network –
The following is the number of healthcare facilities available in the SEHTEQ RN2 insurance network –
If you opt for RAK Health Insurance, you can get access to benefits like –
The Dubai Essential Medical plan is Dubai's top-tier RAK health insurance. It is accessible to clients with a Dubai Visa and fully complies with the regulations established by the Dubai Health Authority (DHA).
Customers can take advantage of the incredible financial security provided by different RAK Bank health insurance policies for premiums as low as AED 499. On approval from RAK Insurance, the initial RAK health insurance premium amount can be paid in full or in instalments to qualify policyholders for a year of protection.
The maximum annual insurance coverage under the Dubai Essential Medical RAK Bank health insurance policy is AED 50,000.
Members of the RAK health insurance plan are eligible for coverage starting from birth and continuing up to age 65. Thus, policyholders can secure the required financial assistance in an emergency from infancy to retirement.