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Frequently Asked Questions


Yes, you can cancel your policy at any time.

Yes, you can pay monthly, quarterly, semi-annually or annually.

No, this plan is only available for UAE residents.

You can include your spouse as a dependent under this policy. However, children are not eligible for this policy.

Yes, this policy offers worldwide coverage.

Yes. You can get a second medical opinion as many times as required, until the policy is valid.

The primary insured can declare any immediate family member as beneficiary. However the dependant’s beneficiary by default can only be the primary insured.

Yes. You can upgrade your cover at any time by calling RAKBANK Customer Care (subject to approval from Oman Insurance Company).

Yes, a full refund of your premium is guaranteed only if you decide to cancel within 30 days of enrollment. Further if you have paid annual premium then you are eligible for a prorata premium refund from the date of cancellation till the actual expiry of the policy.

No, you do not need to undergo any medical test. For policies over AED 100,000 there is a simple medical questionnaire.

Unlike other policies available in the market, Oman insurance Company covers you for covered critical illness regardless of the survival period.

Yes, under this policy you are covered worldwide.

No, you can provide medical reports from hospitals outside the UAE.

No, a single policy will be issued giving details of each insured person.

RAKcare is a pure critical illness policy and in the event of the insured person being diagnosed with any of the covered critical illnesses, the benefit will be paid upfront to the insured person.

As long as you continue to pay premiums, you are covered for this policy. The maximum age of coverage is 65 years.

Medical insurance reimburses you for medical expenses only. However RAKcare in the event of diagnosis of any of the covered critical illness, pays a lump sum amount that can be used for medical expenses, consultation, treatment etc.

No benefits are payable under the policy if the covered critical illness occurs within 120 days of the effective date of the policy.

To make a claim, you will need:

  • Copy of certificate of insurance
  • Medical report diagnosing critical illness
  • Copy of your passport (with residence visa page for expatriates) or National Identity Certificate (UAE Nationals only)
  • Any other documents that may be required to establish a critical illness

That’s great, and it doesn’t affect the policy. The lump sum benefit is paid upon diagnosis of the covered critical illness and then the policy ceases.

Any representative of the insured can file for claims. However, the claim would be paid to the person insured or their beneficiary.

A grace period of 31 days will be granted after the first missed premium. The policy will lapse if the premium is not paid during the grace period.

The set of documents includes:

  • Welcome Letter
  • Certificate of Insurance
  • Policy Terms and Conditions

1.7- Critical Illness cover

Heart Attack, Cancer, Kidney Failure, Major Organ Transplant, Multiple Sclerosis, Stroke, Coronary Artery By-pass Surgery


2. 32-Critical Illness cover


Stroke, Major Cancers, First Heart Attack, Serious Coronary Artery Disease, Heart Valve Surgery, Fulminant Hepatitis, End Stage Liver Failure, Primary Pulmonary Hypertension, End -stage Lung Disease, Kidney Failure, Major Organ / Bone Marrow Transplantation, Aplastic Anemia, Loss of Hearing (Deafness), Loss of Speech, Muscular Dystrophy, Alzheimer’s Disease / Severe Dementia, Motor Neurone Disease, Parkinson’s Disease, Benign Brain Tumor, Major Head Trauma, Bacterial Meningitis, Blindness(Loss of Sight), Coma, Major Burns, Multiple Sclerosis, Paralysis, Poliomyelitis, Encephalitis, Apallic Syndrome, HIV due to Blood Transfusion and Occupationally Acquired HIV, Progressive Scleroderma, Systemic Lupus Erythematosus with Lupus Nephritis


3.7 Female Cancer cover


Breast Cancer (one or both), Ovaries Cancer (one or both), Cancer in fallopian tubes (one or both), Cancer of Uterus, Cervix Cancer,Vagina Cancer, Vulva Cancer.


Contact Oman Insurance Company's toll-free number 800 4746 and notify the claim within 30 days of diagnosis.

The policy ceases upon the payment of the benefit.