If you are applying for a family visa, employment visa, or visa renewal in Ras Al Khaimah (RAK), health insurance is mandatory before visa stamping. Many applicants search for:
- Cheapest health insurance in Ras Al Khaimah
- Low cost visa insurance RAK
- ICP approved medical insurance RAK
- Health insurance for family visa RAK
- Employment visa medical insurance Ras Al Khaimah
This guide explains the most affordable health insurance plans in RAK, their prices, coverage, and how they are linked with the ICP (Federal Authority for Identity, Citizenship, Customs & Port Security) system for visa approval.
Is Health Insurance Mandatory in Ras Al Khaimah?
Yes. For residence visa issuance or renewal in Ras Al Khaimah, valid health insurance must be linked in the ICP system before proceeding with:
- Residence visa stamping
- Emirates ID application
- Visa renewal
- Family visa sponsorship
- Employment visa processing
Without an ICP-linked insurance policy, your visa file will not proceed.
Cheapest Health Insurance Plans in Ras Al Khaimah (2026)
Below are the most popular low cost health insurance plans in RAK for visa purposes.
1. AFNIC Easy Care – Starting from AED 300
One of the cheapest health insurance plans in Ras Al Khaimah
Key Features:
- Annual coverage up to AED 40,000
- Basic inpatient and outpatient coverage
- Emergency hospital treatment included
- Accepted for RAK family visa & employment visa
- Linked with ICP for visa approval
Best For:
✔ Visa stamping only
✔ Low-budget family visa
✔ Employee visa insurance
❌ No maternity coverage
❌ Limited hospital coverage
2. Sagar Lifeline – Approx. AED 320
Low cost visa insurance option in Northern Emirates
Key Benefits:
- Annual limit AED 40,000
- Clinic consultations included
- Emergency inpatient treatment
- ICP-approved for Ras Al Khaimah visa
- Additional benefit: India & Pakistan inpatient coverage
Suitable For:
✔ Cheapest medical insurance in RAK
✔ Visa renewal applicants
✔ Dependents with minimal medical needs
❌ No maternity
❌ Limited hospital network
3. AFNIC Plan A – AED 420
Affordable and balanced visa insurance in RAK
Coverage Includes:
- Annual limit AED 75,000
- Outpatient clinic visits
- Hospitalization coverage
- Emergency ambulance
- NextCare network access
- ICP system integration
Ideal For:
✔ Family visa in Ras Al Khaimah
✔ Employment visa insurance
✔ People needing slightly better coverage than basic plans
❌ No maternity coverage
How ICP Link Works for RAK Health Insurance
After purchasing an approved insurance plan:
- The insurer registers your policy in the ICP system.
- Your Emirates ID number is linked automatically.
- Immigration verifies insurance validity.
- Visa stamping process continues.
If insurance is not linked properly, the system will show:
“Health insurance not available”
and visa approval will be delayed.
Always confirm your insurance is ICP linked for Ras Al Khaimah visa processing.
Which Plan is Best for Visa Purposes Only?
If your goal is just visa compliance, the cheapest options are:
- AFNIC Easy Care (AED 300)
- Sagar Lifeline (AED 320)
These plans meet immigration requirements and are widely used for:
- Wife visa in RAK
- Children residence visa
- Employee visa in Ras Al Khaimah
- Free zone visa processing
Who Should Avoid the Cheapest Plans?
You should consider a higher plan if:
- You are planning pregnancy
- You have chronic medical conditions
- You sponsor elderly parents
- You require regular specialist treatment
In such cases, mid-range plans like AFNIC Plan A or Orient NEMed are better options.
If you looking for:
- Health insurance RAK
- Cheap insurance Ras Al Khaimah
- ICP linked insurance
- Visa insurance RAK
- Family visa medical insurance UAE
Best insurance if looking for:
- Cheapest health insurance in Ras Al Khaimah for family visa
- Low cost employment visa medical insurance RAK
- ICP approved health insurance Ras Al Khaimah
- RAK visa insurance linked with ICP system
- Affordable medical insurance for visa stamping in RAK
Frequently Asked Question
How much is the cheapest health insurance in Ras Al Khaimah?
The cheapest health insurance for visa purposes in RAK starts from AED 300 per year, depending on age and plan type. These plans are approved for ICP linking and residence visa processing.
Final Conclusion
If you are searching for cheap and ICP-approved health insurance in Ras Al Khaimah, you can choose plans starting from AED 300–320 per year. These low-cost options are suitable for:
- Family residence visa
- Employment visa
- Visa renewal
- Emirates ID processing
However, remember that the cheapest plan is mainly for visa compliance, not for full medical protection.
