UAE insurer profile
RAK Insurance
Est. 1974 · Ras Al Khaimah · MOHAP regulated
1,615 healthcare providers in 8 UAE cities list RAK Insurance as an accepted insurer in the UAE Open Healthcare Directory. The plan tiers and premiums below are indicative figures compiled by Zavis, not RAK Insurance's published plan list or prices: confirm cover and price with RAK Insurance or an authorised broker. Source of the network counts: RAK Insurance (NAS, NAS Value, MedNet, NextCare and Neuron networks), published UAE network list (February 2025), matched to Zavis listings in October 2026. How Zavis sources data.
At a glance
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
Coverage matrix
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.
Plan catalogue
Insurance plans.
RAK Insurance
RAK Basic Health
Employees in the Northern Emirates who need the mandatory cover
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
1,615 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
1,615 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with RAK Insurance.
Direct billing. Show your RAK Insurance insurance card at a provider in your plan's network. The provider bills RAK Insurance directly, and you pay your share of the bill as your plan's table of benefits states.
Reimbursement claims. For treatment outside the network, keep the itemised invoices and medical reports, and submit them as rakinsurance.com describes. Your policy states the deadline for claims and which treatments need approval in advance. Contact RAK Insurance through its website, rakinsurance.com.
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View plansCompare RAK Insurance with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About RAK Insurance.
RAK Insurance Insurance — FAQ
What health insurance plans does RAK Insurance offer in the UAE?
This page summarises 2 indicative RAK Insurance plan tiers compiled by Zavis (RAK Basic Health, RAK Enhanced Health), with indicative annual premiums from AED 2,000 – 3,500/yr to AED 4,000 – 8,500/yr. They are not RAK Insurance's published plan list or prices, so ask RAK Insurance or an authorised broker for its current plans and a quote.
How many healthcare providers accept RAK Insurance insurance?
1,615 healthcare providers in 8 UAE cities list RAK Insurance as an accepted insurer in the UAE Open Healthcare Directory. Network counts come from the insurance lists on each listing, so confirm with the provider that your plan tier is accepted before you book.
Does RAK Insurance cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, RAK Insurance's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 12 to 12 months.
Is RAK Insurance compliant with Dubai and Abu Dhabi health insurance rules?
RAK Insurance is regulated by MOHAP. Federal registration covers its plans in the Northern Emirates.
How do I file a claim with RAK Insurance?
First ask the clinic or hospital whether it bills RAK Insurance directly: in your plan's network you show your insurance card and pay only your share of the bill. For a reimbursement claim, follow the claim steps on rakinsurance.com; your policy states what to send and the deadline. Contact RAK Insurance through its website, rakinsurance.com.
What is the cheapest RAK Insurance plan?
The most affordable RAK Insurance plan is the RAK Basic Health (Basic tier), starting from AED 2,000 – 3,500/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 150,000.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from RAK Insurance or an authorised broker. Provider network counts come from the insurance lists on UAE Open Healthcare Directory listings.