Now Health International vs RAK Insurance
UAE Health Insurance Comparison 2026
Now Health International
private3,418 providers
2 plans
Est. 2011
DHA, HAAD regulated
RAK Insurance
private3,503 providers
2 plans
Est. 1974
MOHAP regulated
Now Health International has 2 plans starting from AED 5,500/yr with 3,418 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,503 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Now Health International vs RAK Insurance — At a Glance
| Attribute | Now Health International | RAK Insurance |
|---|---|---|
| Type | private | private |
| Founded | 2011 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA, HAAD | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 5,500 – 28,000 | AED 2,000 – 8,500 |
| Total Network Size | 3,418 | 3,503 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | Yes | No |
| Co-pay Range | 0% – 20% | 20% |
| Claims Phone | 800-669 | 07-228-8444 |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Now Health International | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 2,455 | vs | 1,356 |
| Abu Dhabi | 394 | vs | 618 |
| Sharjah | 258 | vs | 585 |
| Ras Al Khaimah | 49 | vs | 346 |
| Ajman | 94 | vs | 234 |
| Al Ain | 122 | vs | 183 |
| Fujairah | 37 | vs | 143 |
| Umm Al Quwain | 9 | vs | 38 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Now Health International Plans
Now Health International
Now Health WorldCare Essential
Expat professionals and freelancers seeking modular coverage
AED 5,500 – 10,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
3,418 providers
View details →Now Health International
Now Health WorldCare Prestige
Executives and families wanting comprehensive worldwide cover
AED 14,000 – 28,000/yr
Annual limit: AED 1.5M · private room · 0% co-pay
3,418 providers
View details →RAK 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
3,503 providers
View details →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
3,503 providers
View details →Verdict
Choose Now Health International if you need more comprehensive coverage options. Choose RAK Insurance if you prioritise a larger provider network, lower entry-level premiums. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Now Health International vs RAK Insurance — FAQ
Which is better, Now Health International or RAK Insurance?
It depends on your needs. Now Health International has 3,418 providers across 8 cities and offers 2 plans starting from AED 5,500/yr. RAK Insurance has 3,503 providers across 8 cities with 2 plans from AED 2,000/yr. Choose Now Health International if you need more comprehensive coverage options. Choose RAK Insurance if you prioritise a larger provider network, lower entry-level premiums.
Is Now Health International cheaper than RAK Insurance?
No, RAK Insurance's entry-level plan starts from AED 2,000/yr, while Now Health International's cheapest plan begins at AED 5,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, Now Health International or RAK Insurance?
Now Health International has a larger Dubai network with 2,455 providers, compared to RAK Insurance's 1,356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Now Health International or RAK Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Now Health International's dental sub-limit goes up to AED 7,500/yr, while RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Now Health International to RAK Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Now Health International to RAK Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Now Health International and RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Now Health International and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Now Health International and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Now Health International starts from AED 5,500/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 3,418 vs 3,503 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Now Health International and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.