Ras AL Khaimah Health Insurance

Let’s now take a look at the key aspects of health insurance in Ras Al Khaimah.

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. Coverage Requirement: All residents, including private-sector employees and domestic workers, must have health insurance. Employers are responsible for providing this insurance, ensuring that every worker has access to essential medical care.
2. Health Insurance for Visa: Medical insurance will be mandatory for visa issuance and renewal. Employees and their dependents must be covered under a valid insurance plan when applying for or renewing their visas.
3. Minimum Benefits: The compulsory insurance must cover essential healthcare services like doctor consultations, emergency treatments, hospital stays, surgeries, and medications. However, specific benefits may vary based on the selected insurance package.
4. Cost Sharing and Premiums: Premiums for basic health insurance plans in the Northern Emirates, including Ras Al Khaimah, are expected to be affordable — generally below AED 1,000 annually. Employers are responsible for covering these costs, though details on cost-sharing mechanisms may evolve.
5. Penalties for Non-Compliance: Employers who fail to provide insurance to their employees may face penalties, including fines or other legal consequences. 
6. Healthcare for Domestic Workers: For the first time, domestic workers such as maids, drivers, gardeners, and more will also be covered under mandatory health insurance plans. 

 

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 major types of health insurance —

1. Individual Health Insurance: This plan covers medical expenses for one person. It is tailored to meet the specific healthcare needs of an individual, providing coverage for doctor consultations, hospital stays, surgeries, and medications. These plans are ideal for people who don’t have employer-sponsored insurance or want more comprehensive coverage for themselves​.
2. Family Health Insurance Plan: It ensures that each family member has their own individual policy under a collective plan. This means every member is provided with separate coverage, each having its own table of benefits such as inpatient and outpatient services, emergency care, and more. Note that there isn't a single, unified plan that covers the entire family under one benefit structure. Instead, individual policies are issued so that the healthcare needs of each person are adequately addressed. 
3. Senior Citizen Health Insurance: Specifically designed for individuals above the age of 60 or 65, these plans provide coverage for the unique healthcare needs of elderly people. They include coverage for chronic illnesses, hospital stays, and, sometimes, even specialist visits.
4. Group Health Insurance: This insurance is offered by employers to their employees, sometimes even extending to their dependents. It covers multiple individuals under one policy and provides comprehensive benefits such as emergency care, hospitalisation, and outpatient services.

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 —

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 provides comprehensive coverage for 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 significant presence in the UAE as well. 
• 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 both 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 —

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. 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 
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 
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, and medically necessary caesarean sections

 

Cost for Health Insurance in Ras Al Khaimah

The premium for health insurance in Ras Al Khaimah is influenced by several factors, including the following — 

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, come with 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.

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

When buying health insurance in Ras Al Khaimah, it is essential to compare multiple plans based on their features as these directly impact their premiums. Some plans may offer broader coverage, such as including outpatient care, dental services, or maternity benefits, while others focus on providing essential services at lower costs. 
Additionally, you should consider the following key factors to find a plan that fits both your health needs and budget — 

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

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