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NAS Network Insurance in Dubai — Hospitals, Plans & How to Check Coverage

NAS Network Insurance connects you to thousands of approved hospitals & clinics across the UAE with plans that range from DHA-essential coverage to Platinum worldwide protection. NAS supports direct billing, fast pre-authorisations and a mobile claims app — ideal if you want easy access to care. Check your NAS network hospitals or compare NAS plan quotes on InsuranceHub.ae.


Health insurance is compulsory in Dubai, and NAS frequently appears on employer e-cards and comparison quotes. But what is NAS, how do its plans differ, and how do you choose the right NAS policy? This guide explains network tiers, costs, and how to check if your provider and hospital are covered.

Health Insurance in UAE
Hospital / Facility Area / Location (Dubai) Network Type Direct Billing Specialties
American Hospital Dubai Oud Metha / Bur-Dubai General / Comprehensive Yes Multispecialty
Al Zahra Private Hospital Sheikh Zayed Road, Dubai General Network Yes Multispecialty
Al Garhoud Private Hospital Al Garhoud, Dubai General Network Yes Multispecialty
Aster Hospital Mankhool Mankhool / Bur Dubai General Network Yes General & Specialist Care
Aster Specialist Medical Centre – International City International City, Dubai General Network Yes Specialty Care
Belhoul European Hospital Al Diyafa Road, Dubai General Network Yes Multispecialty
Belhoul Speciality Hospital Al Khaleej Road, Dubai General Network Yes Specialty Care
Canadian Specialist Hospital Oud Metha, Dubai General Network Yes Specialist & Emergency Care
Cedars – Jebel Ali International Hospital Jebel Ali, Dubai General Network Yes Multispecialty
Cocoona Day Surgical Center Umm Suqeim, Dubai Day Surgery Network Yes Cosmetic & Surgical Care
Emirates Hospital – Jumeirah Jumeirah, Dubai General / Executive Yes Multispecialty | Premium
International Modern Hospital Al Mankhool, Dubai General Network Yes Multispecialty
Sulaiman Al Habib Hospital Dubai Oud Metha / Healthcare City area General / Premium Yes Advanced Specialty Care
Dr. Rami Hamed Center Hospital (DRHC) Dubai Healthcare City General / Extended Yes Specialty Care

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

Founded in 2002, NAS (National Health Insurance Company) now manages a large UAE provider network and partners with many insurers to deliver competitively priced plans. Because of its negotiation power and direct-billing agreements, NAS plans often offer lower premiums for similar benefits.

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


NAS health acts as both a TPA and (in partnership) an insurer. You’ll see NAS in two ways:


  • NAS-branded plans sold directly to individuals, families & corporates

  • Administration partner for insurers (Allianz, Cigna, etc.) — the insurer issues the policy, NAS manages the network and claims.

Tip: If NAS administers your policy, contact the insurer for policy terms but the NAS portal/app for network & claims help.


Why NAS Plans Are Popular in Dubai


Why NAS is popular:


  • Large provider footprint: >2,000 facilities across UAE (hospitals, polyclinics, labs).

  • Tiered networks: EBP → Silver → Gold → Platinum, so you can upgrade coverage

  • Digital-first services: NAS Care app for e-cards, approvals & teleconsults.

  • Competitive pricing: Negotiated tariffs often reduce premiums vs smaller TPAs

Plan Levels Explained


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 – premium hospitals (e.g., Mediclinic City, American Hospital, King’s College). Best for private-room treatments; higher co-pay.

  • NAS B Network – mix of mid-tier hospitals and large polyclinics (Aster, NMC). Good balance of cost & access.

Search your clinic: [ NAS network checker — find by emirate or clinic name]


How Much Does NAS Insurance Cost in 2025?


NAS premiums vary by age, network tier and benefits. Use our quick quote tool to get a personalised premium in under 2 minutes.


  • 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, 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

NAS Insurance Strengths - Why People Buy It


Fast authorisations: Average outpatient approvals in ~12 minutes; inpatient pre-auth faster for in-network facilities.


Direct billing: Approved in-network treatment billed directly — less out-of-pocket.


Digital claims & app: Track claims, download e-cards and approval letters via NAS Care


Pharmacy & cost management: Negotiated pharmacy tariffs reduce medicine costs


Telehealth: Included in many plans for minor ailments & follow-ups


Submitting and Tracking Claims in Dubai


  • In-network: show e-card → provider submits direct-bill approval. Outpatient approvals average 12 minutes.

  • Out-of-network / reimbursement: pay, upload invoice & medical reports within 90 days via NAS Care or portal. Payments typically land in 7–14 working days

  • If claim is rejected: raise an appeal within 30 days via the NAS portal (keep invoices & medical reports).

    • 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 accepted at Dubai’s government hospitals?
    Yes - Rashid, Dubai & Latifa participate in NAS networks; co-pays follow DHA rules.
    Can I switch TPAs mid-policy?
    Usually only at renewal or if employer/insurer permits a mid-term endorsement.
    Does NAS cover pre-existing conditions from day one?
    EBP plans have waiting periods (6 months for certain conditions). Higher-tier plans may cover declared conditions subject to underwriting.
    Can a tourist buy NAS coverage?
    No — NAS plans are for residents with Emirates ID. Use short-term travel medical insurance for visitors.
    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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