RAK Critical Illness Health Insurance

Its extensive network of top-tier healthcare providers ensures access to top-notch medical services and facilities. At RAK Health Insurance, the authorities focus on customer satisfaction, reliability, and transparency. The provider offers multiple coverages in their comprehensive health insurance plans including critical illnesses.

In this article, we will specifically focus on RAK critical illness health insurance and cover all the important details regarding the same.

What is Critical Illness Health Insurance?

Critical illness health insurance is a type of insurance that financially covers the policyholder in case of a severe illness. This type of health insurance provides financial support when you are diagnosed with specific critical illnesses such as cancer, heart attack, stroke, or other major health conditions.

If you have a critical illness health insurance cover, your insurance company would pay you a lump sum of money in case you are diagnosed with one of the covered illnesses. You can then use this money to cover medical expenses, treatments, or any other financial requirements that you might have during your recovery.

This type of insurance can be helpful because it gives you and your family peace of mind knowing that you will have sufficient financial protection if you ever face a serious health condition. It allows you to focus on your recovery without worrying about the burden of medical expenses.

Important: Make sure to understand the specific illnesses covered and any limitations before purchasing a critical illness health insurance policy.

What are the General Inclusions of Critical Illness Health Insurance?

Here is a list of the general illnesses covered under critical illness health insurance in the UAE -

• Kidney Failure
• Cancer
• Major Organ Transplant
• Coronary Artery Bypass Surgery
• Brain Tumor
• Stroke
• Heart Attack
• Paralysis 

What are the General Exclusions of Critical Illness Health Insurance?

Even though a wide range of diseases are covered in critical illness health insurance, certain health conditions are not covered by companies under critical illness health insurance plans. For instance, pregnancy-related complications, childbirth issues, and HIV are generally not included. In addition to that, diseases arising from lifestyle habits such as smoking and drinking are also not covered.

Top RAK Critical Illness Health Insurance Plans

Check out the table below for some of the top comprehensive RAK health insurance plans which cover critical illnesses -

Points to Consider Before Buying RAK Critical Illness Health Insurance

Take a few points into account before selecting a critical illness health insurance plan to effectively make an informed decision -

• Compare Multiple Plans - In order to get the best deal, it is essential to look into multiple plans from different providers. Once done, you should shortlist the plans that meet your requirements and select the one that provides maximum coverage at the most affordable premiums. 
• Provide Accurate Medical History Details - While purchasing critical illness health insurance, you should provide all the specific details regarding your medical history accurately. This can help you avoid the scenario where discrepancies are present at the time of the insurance claim process, where your claim can be rejected if your insurance provider finds your provided information incorrect. On top of that, by being honest about your medical history, you would be able to see its impact on the premiums and other aspects, which will help you make a truly informed decision. 
• Check the CSR of Insurance Companies - The claim settlement ratio indicates how efficiently the insurance company processes and settles claims. A higher claim settlement ratio implies that the company is more likely to settle claims promptly and hassle-free. For this reason, make sure to check for the Claim Settlement Ratio of your provider.

Let’s jump onto some of the most frequently asked questions related to the RAK critical illness health insurance!

Frequently Asked Questions