RAK Individual Health Insurance

One of the most reputable insurers in the nation, RAK Insurance has more than 25 years of expertise in the health sector and takes great pride in offering high-quality services. With the RAK individual health insurance, you get a variety of insurance options that are made to fulfil your demands for well-being and provide you security whenever you need medical attention. In this write-up, we’ll have a look at the RAK individual health insurance plan, which provides UAE citizens with comprehensive medical coverage.

RAK Individual Health Insurance Plans

The RAK Essential Medical Insurance Policy provides comprehensive medical coverage for every RAK resident visa holder. This policy offers complete coverage for both in-patient and out-patient services, including maternity benefits. You will also be covered for pre-existing and chronic conditions, all at an affordable premium of AED 499.  The below pointers highlight all the details of RAK Essential Medical Policy:

• The outpatient treatment is performed at clinics in a network with IRIS Healthcare Ezyclaim Network. 
• Co-insurance for in-patient treatment, including room and board expenses, diagnostic tests, treatments, and surgeries in hospitals and emergency healthcare services, is set to be 20%.
• Coinsurance for outpatient services, including examinations, consultation, diagnostics, and treatment, are covered for 20%.
• Annual physiotherapy sessions will be six. The co-insurance on medicines and drugs is 30%.
• The yearly limit for medicines and drugs is AED 1500.
• Co-insurance of 10% applies to outpatient maternity services, with coverage limited to eight visits to Primary Health Care Centres for ante-natal services.
• Co-insurance of 10% for in-patient maternity services is capped at AED 5,000 for normal delivery and AED 7,000 for a medically necessary Caesarean section.
• The cost of lodging for an accompanying person of an insured child under 16 years old is covered up to a limit of AED 100 per night.
• Accommodation charges for a person accompanying an in-patient, upon the doctor's recommendation and RAK Insurance approval, are covered up to AED 100 per person annually. 
• Co-insurance is in effect for newborn coverage for the first 30 days after birth.
• The policy includes important vaccinations and diabetes screening. 
• Co-insurance on gum and dental treatment is set at 20%. Emergency vision aids or hearing corrections are also co-insured at 20%.
• The waiting tenure for maternity and pre-existing/chronic conditions is 12 months.

Note: To be able to take all the benefits of the policy, you must fully disclose all your pre-medical conditions. Failure to do so may affect your access to the benefits of the policy. Premiums on declaration of pre-existing conditions are subject to change.

RAK Individual Health Insurance: Key Features and Benefits

With RAK individual health insurance, rest assured that your health is in safe hands. Let’s look at its key characteristics and benefits -

• Comprehensive Coverage: RAK individual health insurance has a broad selection of medical insurance policies with exceptional value-added services, fair pricing for all budgets, and local and worldwide coverage. All of the healthcare requirements, from preventative care to emergency medical services, are covered within the all-inclusive medical coverage.
• Selection of healthcare provider and facility: RAK individual health insurance grants you access to select your physician and medical centre, giving you more freedom to make decisions about your healthcare. You may feel secure knowing that you are protected from any unforeseen medical crises by choosing your own healthcare provider and facility.
• Simplified Enrollment Process: There are no tests that you need to give before enrolling for the RAK individual health insurance, therefore making the procedure quicker.
• Low-cost Premiums: RAK individual health insurance provides affordable access to high-quality medical care. Their reasonable premiums meet both financial demands and healthcare requirements. You can obtain the coverage you require at an affordable cost.
• Extensive Network Coverage: The RAK individual health insurance gives individuals access to a large network of healthcare professionals in the UAE. This implies that individuals can get high-quality medical treatment wherever and whenever they want.

Eligibility Criteria for RAK Individual Health Insurance

RAK Individual Health Insurance has the following eligibility criteria for health insurance applicants:

RAK Individual Health Insurance Inclusions

RAK individual health insurance provides a variety of coverages to make sure you and your family members are safe and secure. Inclusions provided by this insurance are listed below:

• Out-patient care 
• In-patient care 
• Medical repatriations and evacuations
• Maternity benefits up to AED 75,00
• Daycare services up to AED 25,000 and 20% co-insurance
• Emergency local road ambulance up to AED 6000
• Pre-existing and chronic conditions

RAK Individual Health Insurance Exclusions

RAK Essential Health Insurance has some standard exclusions in its policy. Having knowledge of the exclusion is important to know before opting for the insurance plan.  Here are the standard exclusions from the RAK Essential Health Insurance Plan:

• Cosmetic Surgery
• Infertility treatments 
• Non-emergency medical evacuation
• Treatments related to work-related accidents
• Elective treatments outside the UAE
• Alternative Therapies like acupuncture, homoeopathy, naturopathy, etc.
• Weight Loss Surgery 
• Substance Abuse treatment
• Experimental treatments 
• War-related injuries
• Injuries from high-risk activities or sports
• Undeclared pregnancies at the time of application process

Conclusion

RAK individual health insurance is an all-inclusive healthcare solution for you and your family with its extensive coverage and affordable premiums. To provide you with the appropriate coverage, their plans are carefully created to make sure that your health is prioritised. With RAK individual health insurance, you can feel secure knowing you are protected from any unforeseen medical crises. Before taking the insurance, it's important that you are aware of all the exclusions and inclusions mentioned above.

Learn what people have asked about RAK individual health insurance to get better insights.

Frequently Asked Questions