What is NAS?
NAS is the leading Third Party Administrator in the UAE and GCC.
Is NAS an Insurance Company?
No. NAS works with the majority of insurance companies in the region and administers the health insurance claims of their members.
What is an e-Insurance card?
Your e-Card can be found on your myNAS account. You can download it in your smartphone, print it, or directly share it with the healthcare provider.
How do I use my NAS physical card and e-Card?
You need to present your physical card or e-Card whenever you visit a healthcare provider within the NAS Network.
What happens if the healthcare provider is not in the NAS Network?
NAS will not be able to pay bills directly, therefore, you have to pay the bills and submit them for reimbursement. Check your insurance contract terms to see if all the bills are eligible for reimbursement.
Where can I see my insurance coverage conditions?
You can view your benefits on your myNAS portal. Alternatively, you contact your HR Department.
I lost my physical card, what should I do?
You can contact your HR department or your insurance company, however, you can always use the e-insurance to avail direct billing at healthcare providers that are listed with NAS.
What is the amount that I should pay when utilizing my card at a healthcare provider that is listed with NAS?
The amount that is required to be paid by the member for consultation/treatment is the Deductible and/or Copayments (if applicable). For example, if your card states Ded: AED 25 and Co-pay: 10%, you will have to pay AED 25 and 10% of the remaining amount to the healthcare provider directly.
How do I know which healthcare provider is listed with NAS?
You can search for any healthcare provider on the myNAS portal. The results that have a green icon indicates network eligibility under your policy terms and conditions.
Can I Visit a Hospital or Clinic outside my assigned list of network provider’s?
If your policy allows reimbursement benefit. Please call NAS Helpline (800 2311) to verify your benefits. If reimbursements are covered, you will have to pay the whole cost of the treatment and apply for reimbursement. Your claim will be settled in line with the terms and conditions of your policy (you can find this in your information centre). The reimbursement will be made in line with the terms of your policy and will take into account any non-network deductibles if applicable to your policy.
How can I get the reimbursement claim form?
This form is available with your HR department and can be downloaded from myNAS portal.
How do I complain?
NAS encourages you to file a complaint if you feel that the level of service has not been satisfactory. Please complete the form found on the left-hand side of this page for us to be able to investigate your concerns. Use the drop down menu to choose the concerned recipient and continue to fill in all the of the information pertaining to your case in as much detail as possible. Please attach any files you feel may help us in investigating your case. Please call NAS at (800 2311) for any queries about the complaint filing process.
How do I make a claim for reimbursement?
In case of a claim for reimbursement please complete claim form and submit it to us. You are also required to attach all original invoices for Medical Expenses and your doctor’s report & discharge summary (in case of inpatient). Alternatively, you can submit your claim via myNAS portal.
How long will the process take?
We will acknowledge receipt of your request within 48 hours of submission. This will then be reviewed by our Customer Services Team who will revert to you within 2 working days with their findings.
I would like to have a copy of my policy wording or I would like to know what is covered or excluded by my health insurance policy
You can view your benefits on your myNAS portal. Alternatively, you can contact your HR Department.
I would like to include my dependents under my existing policy
Please coordinate directly with your company’s HR department.
I am planning to have treatment at a clinic/hospital which is not listed in the NAS Network, will it get covered?
We do not assess or issue pre-approval for all out-patient reimbursement claims. Therefore if you visit an out of network provider, you will be required to pay for your treatment and submit the reimbursement claim for assessment (**Provided your policy is eligible for reimbursement and the planned country of treatment is included within your area of converge**). If this is not eligible for payment under your terms and conditions your claim will not be reimbursed, it is therefore recommended to avail medical services within your assigned network.
Is there a time limit?
It usually becomes more difficult to investigate concerns about events that took place after a given time. For this reason we recommend that all points are raised within 30 days to ensure the highest level of resolution and quality control. Should a request be received after the recommended time, we will do our utmost to assess accordingly and ask for your continued patience and understanding in dealing with these cases.
Is there any amount that I should pay during consultation/treatment?
You are required to pay the amount specified in your NAS Card. If this applies these will be stated on your Membership card. They are stated as deductible &/or co-pay e.g., D: AED 25 and CO: 10%
What is the meaning of the abbreviations mentioned on my NAS card?
CN – Comprehensive Network
GN – General Network
RN – Restricted Network
SR – Super Restricted Network
WN – Work Network
IN: In-Patient treatment
OUT: Out-Patient treatment
D: Deductible
CO: Copay/Co-participation
Cat: Category
DB: Dental Benefit
MB: Maternity Benefit
How do I do in case of a claim?
In case of a claim for reimbursement please complete claim form and submit it to us. You are also required to attach all original invoices for Medical Expenses and your doctor’s report & discharge summary (in case of inpatient). Alternatively, you can submit your claim via myNAS portal.
What happens if you make a complaint?
Complaints received are picked regularly by a member of the customer services team. They are then referred to the relevant service area to respond to. Once a response is received you will get a return email, telephone call or letter advising you of the outcome. We see your feedback as an opportunity to improve our services and endeavour to resolve all matter in a prompt and efficient manner.
What should I do in case of emergency whilst travelling outside my country?
Provided you have international coverage you should call the number shown on the back of your insurance card.
What to do if you lose your insurance card?
Please contact your HR department or Insurance Company, to request a new card. Alternatively you can report your card lost via myNAS application.
What do I need to use my NAS card?
You need to present your NAS Card at the Reception Desk each time you visit a NAS Provider listed on your network.
Where can I get the list of healthcare providers where I can use my NAS card to benefit from direct billing?
You can create an account on myNAS, which gives you access to a provider search tool.
Download MyNas App
Click here to download
Contact Nas
MaxHealth dedicated number: 97143178425
MaxHealth dedicated email: MaxHealth@nas.ae
Nas Social links
