RAK Insurance
Est. 1974 · Ras Al Khaimah · MOHAP regulated
Only insurer headquartered in Ras Al Khaimah. RAK Insurance offers 2 health insurance plans in the UAE. Data cross-referenced with the UAE Open Healthcare Directory.
Key Facts
- ▸Only insurer headquartered in Ras Al Khaimah
- ▸Strong Northern Emirates presence (RAK, Fujairah, Ajman, UAQ)
- ▸Focus on affordable health insurance for Northern Emirates employers
- ▸Growing provider network in collaboration with MOHAP hospitals
Coverage at a Glance
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| RAK Basic Health | Basic | AED 2,000 – 3,500/yr | AED 150,000 | 20% | — | — |
| RAK Enhanced Health | Enhanced | AED 4,000 – 8,500/yr | AED 350,000 | 20% | ✓ | — |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
How claims work with RAK Insurance
Direct billing: Present your RAK Insurance insurance card at any in-network provider. The clinic or hospital bills RAK Insurance directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required. Reimbursement claims: For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via rakinsurance.ae or call 07-228-8444. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact RAK Insurance at least 48 hours in advance.
RAK Insurance Insurance — FAQ
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Disclaimer: Plan details and premiums are indicative. Obtain a personalised quote from RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.