Health insurance is mandatory in Ras Al Khaimah (RAK) for both family residence visas and employment visas. Whether you are sponsoring your wife, children, parents, or applying for an employee visa, choosing the right insurance plan helps you save money, avoid visa delays, and stay compliant with UAE regulations.
This article explains the cheapest and best health insurance plans in RAK, their prices, benefits, and which plan is suitable for family visa or employment visa.
Is Health Insurance Mandatory in Ras Al Khaimah?
Yes.
RAK immigration requires approved health insurance for:
- Family residence visa (wife, children, parents)
- Employment visa (mainland & free zone)
- Visa renewal & Emirates ID processing
Without valid insurance, visa stamping will not proceed.
Cheapest Health Insurance Plans in RAK (2026)
These plans are ideal for visa compliance with the lowest cost.
1. AFNIC Easy Care – AED 300
Best cheap insurance for RAK family & employee visa
- Accepted for RAK visas
- Suitable for family & employment visa
- Basic inpatient & outpatient coverage
- Emergency treatment included
- Very low premium
✅ Best for visa stamping only
❌ No maternity
❌ Low hospital coverage
2. Sagar Lifeline – AED 320
Cheapest alternative for RAK visas
- Accepted for RAK immigration
- Covers emergency hospitalization
- OP clinic visits available
- Additional benefit: India & Pakistan inpatient coverage
✅ Lowest-cost option
❌ No maternity
❌ Limited hospital network
Best Health Insurance Plans in RAK for Family Visa
If you want better coverage (not just visa compliance), these plans offer a good balance of price and benefits.
3. AFNIC Plan A – AED 420
Popular budget family plan in RAK
- Accepted for RAK family visa
- Balanced OP + IP coverage
- Emergency ambulance included
- Trusted AFNIC insurer
✅ Good for families with low medical usage
❌ No maternity
4. Aafiya ReMedi Plus Plan A – AED 420
Affordable mid-range family insurance
- Accepted in RAK
- Better structure than very cheap plans
- Chronic conditions after waiting period
✅ Good value for money
❌ No maternity
5. AFNIC ReMedi – AED 560
Better outpatient coverage for families
- Higher OP benefits
- Suitable for children & frequent clinic visits
- Accepted for RAK family visa
✅ Good OP balance
❌ No maternity
Best Health Insurance in RAK with Maternity Coverage
If you are planning pregnancy, avoid cheap plans and choose maternity-included policies.
6. Orient NEMed-Lite – AED 420 Category
Best low-cost maternity insurance in RAK
- Maternity included (after waiting period)
- Accepted for RAK family visa
- Newborn covered for first 15 days
- Strong hospital access
✅ Best budget maternity plan
❌ Northern Emirates only
7. Orient NEMed (Regular) – AED 520
Most balanced maternity plan in RAK
- Maternity + newborn benefits
- Better overall coverage than Lite plan
- Reliable insurer & network
✅ Ideal for families planning childbirth
❌ Higher price than basic plans
Best Premium Health Insurance in RAK
For families needing higher limits and better medical access.
8. Watania Takaful – Plan 1 (AED 750)
- Takaful-based insurance
- Maternity included (Thumbay Ajman)
- Good OP & IP balance
✅ Suitable for families preferring Takaful
❌ Maternity hospital restricted
9. Watania Takaful – Plan 2 (AED 890)
Best premium family insurance in RAK
- High annual coverage
- Lowest diagnostic copayment
- Strong maternity benefits
✅ Best for elderly dependents
✅ Best for families with frequent medical needs
❌ Higher cost
Best Health Insurance for Employment Visa in RAK
For employee visas, the following plans are commonly used:
| Purpose | Recommended Plans |
|---|---|
| Cheapest employment visa | AFNIC Easy Care |
| Standard employee cover | AFNIC Plan A |
| Better OP coverage | AFNIC ReMedi |
| Maternity required | Orient NEMed |
How to Choose the Right RAK Health Insurance?
Choose based on your need:
- 💰 Lowest cost → AFNIC Easy Care / Sagar Lifeline
- 👨👩👧 Family with kids → AFNIC Plan A / ReMedi
- 🤰 Pregnancy planning → Orient NEMed / Watania
- 👴 Elderly parents → Watania Takaful Plan 2
Important Tips (RAK Visa Applicants)
- Always choose RAK-approved insurance
- Declare pre-existing conditions honestly
- Newborns usually require separate insurance after birth
- Cheapest plans are for visa compliance, not full protection
Conclusion
Ras Al Khaimah offers some of the most affordable health insurance options in the UAE for both family and employment visas. From AED 300 visa-only plans to premium maternity coverage, choosing the right policy depends on your budget, family size, and medical needs.
If you need help selecting or applying for RAK health insurance, always choose a plan that is visa-approved, cost-effective, and suitable for your future needs.
