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NAS Network Insurance

NAS Network Insurance offers comprehensive health insurance plans tailored to meet diverse needs, ensuring access to a wide range of hospitals and clinics within the UAE. With flexible coverage options and seamless claims processing, NAS empowers individuals and families with peace of mind. As one of the leading networks, it connects policyholders to quality healthcare services with ease. Explore NAS Network Insurance through InsuranceHub.ae for trusted advice and personalized solutions.


Health insurance is compulsory for every Dubai resident, yet the market can feel dizzying. One name that shows up again and again when you compare quotes is NAS. Whether you see it on an e-card issued by your employer or listed as a network option on a comparison site, NAS Insurance Dubai has become a fixture in the emirate’s healthcare landscape. But what exactly is NAS, how do its plans work, and - most importantly - how can you be sure you’re buying the right NAS policy for your needs? Let’s break it down

Health Insurance in UAE

Different Types of Insurance

Health insurance is a must-have if you are residing in uae as it protects you from uncertain financial burdens and all other benefits attached to it. 

There are basically 4 types of Health Insurance:

01

Group Medical Insurance for employees

Individual Health Insurance

It’s a kind of health insurance that covers an individual from all the medical expenses which a policyholder incurs during an uncertain medical emergency.

02

Group Medical Insurance for employees

Family Health Insurance

This is a kind of Health Insurance plan that covers your entire family from any uncertain Medical emergency expenses against the cover amount promised by the Insurance provider.

03

Group Medical Insurance for employees

Group Health Insurance

This is a kind of Health Insurance that is generally provided by an organization for its employees.

04

Group Medical Insurance for employees

Critical Health Insurance

This is a kind of Health Insurance that covers specific diseases that are life-threatening and is not covered under general health insurance

It requires the Policyholder to visit the Hospital quite often for regular and timely health checkups.

Reliable NAS Health Insurance Plans for Dubai Residents

NAS Insurance began its operations in 2002 with a mission to deliver efficient and cost-effective solutions focused on achieving maximum customer satisfaction. Since its inception, the company has worked tirelessly to establish itself as one of the leading names in the healthcare sector. Today, NAS health insurance is associated with all the top cheapest health insurance providers in Dubai. It offers affordable and comprehensive insurance packages that cover a wide range of health risks, making quality healthcare accessible to all

NAS in a Nutshell: Insurer, TPA, or Both?


Many newcomers assume NAS is a traditional insurance company. In reality, National Health Insurance Company (NAS Holding) started as a Third-Party Administrator (TPA) before expanding into risk underwriting through selected partners. In Dubai you will usually encounter NAS in two ways:


  • Standalone NAS-branded health plans sold to individuals, families and corporates.

  • Back-end administration for other insurers (e.g., Allianz, Cigna or Noor Takaful) where the policy is issued by the insurer but managed through the NAS network and claim portal.

    • Why NAS Plans Are Popular in Dubai


  • Huge Provider Footprint – Over 2,000 healthcare facilities across the UAE, including flagship hospitals such as Mediclinic Parkview, Aster Hospital Al Qusais and King’s College Hospital. That breadth makes direct billing easy wherever you live or work.

  • Tiered Networks – From Essential Benefits Plans that satisfy Dubai Health Authority (DHA) minimums to Platinum networks with worldwide cover, NAS offers clear upgrade paths as your life stage changes.

  • Digital-First Services – A slick app (NAS Care) lets you view e-cards, monitor claim status, book teleconsultations and download approval letters—all popular among the city’s mobile-savvy residents.

  • Competitive Pricing – Because NAS maintains its own network contracts, it often negotiates lower tariffs than smaller TPAs, translating into premiums up to 15 % cheaper for similar benefits in mid-range plans (based on InsuranceHub quote data, Q2 2025).

    • Plan Levels Explainedi


    NAS Category Typical Audience Key Benefits Annual Limit
    Essential DHA (EBP) Domestic helpers, low-income employees earning ≤ AED 4,000 Dubai-only inpatient, limited outpatient, AED 150 maternity co-pay AED 150,000
    Silver Individuals & SMEs seeking wider UAE coverage All inpatient + outpatient, dental optional, GCC emergency AED 500,000–1 M
    Gold Families, mid-level executives Maternity up to AED 20k, optical, alternative medicine, worldwide emergency AED 1–2 M
    Platinum C-suite, frequent flyers Worldwide elective cover (ex-USA), private suites, wellness screenings AED 5 M+


    NAS Networks in Dubai


    NAS splits its facilities into sub-networks (A, B, CN, GN+). Here are the highlights for the two most quoted categories:


  • NAS A Network – Think premium private hospitals: Mediclinic City, American Hospital Dubai, King’s College Hospital, Saudi German Hospital. GP co-pays average AED 50; pharmacies AED 10–15.

  • NAS B Network – Balanced mix of mid-tier hospitals and large polyclinics such as Aster, NMC, Medeor. GP co-pays AED 25–40; still plenty of choice for normal pregnancies and chronic disease follow-ups.

    • Not sure which facilities fall under your proposed plan? Use InsuranceHub’s free NAS network checker (internal link: NAS network hospitals in Dubai) to search by clinic name or location.


    How Much Does NAS Insurance Cost in 2025?


    Premiums depend on eight factors, but three drive the bulk of the difference:


  • Age – A 40-year-old pays roughly 1.8× the premium of a 25-year-old on the same Silver plan.

  • Network Tier – Moving from B to A network adds 20–25 % on average.

  • Maternity Cover – Adding maternity increases individual female premiums by AED 1,200–3,000 per year, depending on limits.

    • Illustrative annual premiums (single policyholder, non-smoker):


  • Essential DHA: AED 750–900

  • Silver B: AED 1,800–2,400

  • Gold A: AED 4,500–5,800

    • Why Choose NAS Network Insurance

    The primary importance of a health insurance policy is that it provides financial security against medical emergencies.


    Contact Centre: NAS’s contact centre efficiently handles all customer interactions, offering round-the-clock assistance and support.


    Claims Management: Expert claims assistance ensures faster health insurance claim processing in Dubai using advanced automation.


    Authorization Claims Processing: Get timely treatment approvals through NAS’s 24/7 support, managed by medical experts. Pre-treatment authorization is crucial for faster claim settlement


    Insurance Provider Network: NAS negotiates with healthcare providers and tracks pricing trends to ensure value in every plan


    Policy Administration: Their digital-first platform enables seamless, end-to-end management of all health policy operations.


    Integrated IT solutions: NAS offers secure, automated platforms to streamline healthcare data management.


    Analytics: Data-driven insights help improve decision-making and overall business efficiency.


    Pharmacy Benefit Management: NAS ensures affordable access to medication by curating pharmacy plans and negotiating competitive prices.


    Telehealth Services: Their telehealth offerings connect members to healthcare providers remotely, supporting real-time care, home monitoring, and digital health access

    Buying NAS Insurance Online the Smart Way

    When choosing a NAS health insurance plan, don’t assume all Silver or Gold tiers are the same—co-insurance, sub-limits, and waiting periods (especially for maternity or chronic conditions) can vary. Always confirm your visa’s issuing emirate, as Dubai visas require DHA-compliant coverage. InsuranceHub simplifies the process with a comparison tool that highlights these differences and flags mismatches. Just upload your documents once—passport, Emirates ID, visa, and medical history—and we’ll handle the rest securely


    Submitting and Tracking Claims in Dubai


  • Direct Billing – Present your digital NAS card at any in-network facility. The provider requests online approval (average turnaround: 12 minutes for outpatient; 2 hours for inpatient pre-authorization).

  • Reimbursement – For out-of-network treatment (or if you travel), upload invoices and medical reports within 90 days via the NAS Care app. Payments land in your UAE bank account usually within 14 working days.

  • eClaimLink Integration – NAS synchronises with Dubai Health Authority’s eClaimLink platform, ensuring transparency of procedural tariffs and reducing surprise denials. If a claim rejection does occur, you can raise an online appeal through NAS within 30 days.

    • Maximising Your NAS Policy: Five Insider Tips


  • Use teleconsultations for minor ailments – They’re often zero co-pay and won’t eat into your outpatient limit.

  • Schedule preventive screenings – Gold & Platinum plans include free annual wellness checks; skipping them is leaving money on the table.

  • Pre-authorise pricey meds – If your doctor prescribes a long course of biologics, get prior written approval to avoid reimbursement delays.

  • Bundle family members – Adding a spouse or child on the same policy can unlock 5–8 % multi-member discounts vs separate contracts.

  • Renew early – Re-quote 30 days before expiry; if underwriters hike rates across the market, locking in early can save hundreds.

    • Popular Tags

    NAS Network, NAS Network Insurance, NAS Health Insurance, NAS network UAE, NAS network Dubai, NAS Medical Insurance, NAS insurance network


    FAQs About NAS Network

    Is NAS Insurance accepted at Dubai’s government hospitals?
    Yes. Rashid Hospital, Dubai Hospital and Latifa Hospital for Women & Children all participate in NAS networks, but co-pays follow DHA rules.
    Can I switch from another TPA (e.g., Neuron) to NAS mid-policy?
    Only if you leave your employer or your insurer agrees to a mid-term endorsement. Otherwise wait until renewal
    Does NAS cover pre-existing conditions from day one?
    For mandatory EBP plans, DHA requires coverage after a six-month waiting period. Higher-tier plans often cover declared conditions immediately, subject to underwriting approval.
    I’m on a tourist visa—can I buy NAS coverage?
    No. NAS plans are designed for residents with Emirates IDs. Visitors can purchase short-term travel medical policies instead—see our visitor insurance guide
    What should I do if my preferred clinic is not in the NAS network?
    If your chosen clinic is outside the NAS network, you may still get reimbursed for treatment if your policy allows out-of-network coverage. Always check your policy terms or consult InsuranceHub to avoid unexpected costs.

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