Affordable Family & Employment Visa Medical Insurance in Ras Al Khaimah, Sharjah, Ajman & Fujairah
If you are applying for a family visa or employment visa in any northern emirate, choosing the right medical insurance plan is essential. One of the most popular and affordable options in the Northern Emirates is:
AFNIC – Plan A (AED 420)
Issued by Al Fujairah National Insurance Company (AFNIC)
This plan is widely used for RAK residence visa, Sharjah family visa, Ajman employment visa, Umm Al Quwain visa, and Fujairah visa processing.
What is AFNIC – Plan A (AED 420)?
AFNIC Plan A is a budget-friendly health insurance plan designed to meet the UAE visa medical insurance requirement in the Northern Emirates. It provides basic inpatient and outpatient coverage suitable for:
- Family visa applicants
- Wife & children sponsorship
- Employee visa holders
- Visa renewal applicants
- Free zone employees in RAK & Sharjah
AFNIC Plan A Price (2026)
- Plan Cost: AED 420 per year
- Valid for 12 months
- Subject to age band conditions
This makes it one of the most searched options for:
- Cheap health insurance in Ras Al Khaimah
- Low-cost family visa insurance UAE
- Affordable employment visa insurance RAK
Covered Hospital, Clinics and Pharmacy List
Coverage Details of AFNIC Plan A (AED 420)
1. Annual Coverage Limit
- AED 75,000 per insured person per year
- Aggregate limit with sub-limits applied
This level of coverage makes it suitable for basic medical needs and visa compliance.
2. Inpatient Coverage (Hospitalization)
- Inpatient limit: AED 50,000
- Room type: Shared room (ward)
- Coinsurance: 20%
- Emergency ambulance (UAE only)
- Daycare surgeries covered
- Hospital treatment with prior approval
Covered Services:
- Hospital admission
- Surgical procedures
- Emergency treatment
- Inpatient medicines
- Diagnostic tests during hospitalization
This makes AFNIC Plan A useful for emergency hospitalization in Ras Al Khaimah, Sharjah, Ajman, UAQ, and Fujairah.
3. Outpatient Coverage (Clinics & Consultations)
- Outpatient limit: AED 25,000
- GP consultations (with copayment)
- Specialist visits (with referral)
- Laboratory tests (subject to approval)
- Radiology (MRI, CT, X-ray – with approval)
- Prescription medicines (30% coinsurance)
- Annual medicine limit: AED 1,000
This is suitable for families with children requiring clinic visits in RAK and Sharjah.
Maternity & Newborn Coverage
❌ Maternity is NOT covered under AFNIC Plan A (AED 420).
If you are searching for:
- Maternity insurance in Ras Al Khaimah
- Pregnancy health insurance UAE
- Family visa maternity coverage
You should consider other plans like Orient NEMed or Watania Takaful instead.
Pre-Existing & Chronic Conditions
- Subject to waiting period
- Must be declared during application
- Sub-limits may apply
It is important to disclose medical history when applying for AFNIC medical insurance in UAE.
Geographical Coverage
AFNIC Plan A is valid for:
- Ras Al Khaimah (RAK)
- Sharjah
- Ajman
- Umm Al Quwain (UAQ)
- Fujairah
⚠️ Not valid for Abu Dhabi visa
⚠️ Not suitable for Dubai visa (unless specifically approved)
Medical Network
AFNIC Plan A operates under:
- NextCare PCP Network (Outpatient Clinics)
- RN3 Network (Inpatient Hospitals)
This includes multiple hospitals and clinics across:
- RAK Hospital
- Al Qassimi Hospital – RAK
- Thumbay Hospital (Network dependent)
- Various RAK & Sharjah medical centers
- Approved pharmacy network under NextCare
Direct billing is available within the approved network.
What is Included in AFNIC Plan A?
✔ Hospitalization
✔ Emergency treatment
✔ Outpatient clinic visits
✔ Laboratory tests
✔ Radiology services
✔ Ambulance (UAE)
✔ Prescription medicines (limited)
✔ Visa-compliant coverage
What is NOT Included?
❌ Maternity
❌ Dental (non-emergency)
❌ Optical services
❌ Cosmetic procedures
❌ IVF & fertility treatment
❌ Routine preventive health checkups
❌ Overseas treatment
Who Should Choose AFNIC Plan A?
AFNIC Plan A (AED 420) is best for:
- Family visa sponsorship in Ras Al Khaimah
- Employee visa insurance in Sharjah
- Low-budget health insurance in Ajman
- Free zone visa insurance RAK
- Visa renewal applicants in Northern Emirates
It is ideal for people searching:
- Best cheap health insurance in RAK
- Affordable family medical insurance UAE
- Budget employment visa health insurance Sharjah
- Visa approved medical insurance in Northern Emirates
Advantages of AFNIC Plan A
✔ Affordable yearly premium
✔ Accepted for RAK & Sharjah visas
✔ Balanced inpatient & outpatient coverage
✔ Reliable insurer – Al Fujairah National Insurance
✔ Strong NextCare network
Disadvantages
❌ No maternity
❌ Limited medicine coverage
❌ Coinsurance applicable
❌ Not suitable for high medical needs
Why AFNIC Plan A is Popular in Ras Al Khaimah?
Many residents and companies prefer AFNIC Plan A because:
- It meets RAK visa medical insurance requirements
- It is cost-effective for sponsoring dependents
- It is simple to process
- It is accepted by immigration for residence visa stamping
For companies in RAKEZ, Al Hamra Free Zone, and RAK mainland, this plan is often used for employee visa issuance.
- AFNIC insurance
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- Best affordable family visa medical insurance in Sharjah
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- NextCare RN3 network insurance in Fujairah
Final Conclusion
AFNIC – Plan A (AED 420) is one of the most affordable and reliable health insurance plans in Ras Al Khaimah and Northern Emirates. It is perfect for individuals and families who need visa-compliant, low-cost medical insurance without maternity requirements.
If your goal is RAK family visa approval, employment visa processing, or visa renewal, AFNIC Plan A offers a practical balance between price and coverage.
