The term NAS Medical Insurance is commonly used to describe medical insurance policies that use NAS for healthcare administration. NAS is a Third Party Administrator (TPA), rather than the insurance company itself.
For eligible Al Buhaira medical insurance policies assigned to NAS, Al Buhaira remains the insurer while NAS may support services such as medical provider network access, prior approvals, claims administration and member assistance.
Not every Al Buhaira medical policy uses NAS. Members should check their medical insurance card, policy schedule or applicable member information to confirm the assigned TPA and medical network.
NAS acts as a healthcare administrator for insurance companies and insured members. Depending on the insurance arrangement, NAS may help manage the medical network and administrative processes associated with eligible healthcare services.
When an Al Buhaira medical insurance policy is assigned to NAS, the responsibilities of the insurer and TPA remain different.
Al Buhaira National Insurance Company remains the insurer providing the medical insurance policy. NAS may perform specified healthcare administration services according to the applicable policy and network arrangement.
Coverage decisions and payable benefits remain subject to the issued policy, schedule of benefits, eligibility, limits, exclusions, co-payments and medical necessity requirements.
NAS administers different healthcare networks. The network assigned to your medical insurance policy determines which hospitals, clinics, pharmacies, diagnostic centres and other healthcare providers may be available to you.
A healthcare provider appearing within one NAS network does not necessarily mean that it is available under every NAS-administered insurance plan.
Before receiving non-emergency treatment, confirm the network assigned to your policy.
For planned or non-emergency treatment, the following steps can help avoid unnecessary delays:
Certain healthcare services may require prior approval before treatment is provided. Depending on the policy, this may apply to selected tests, medicines, procedures, hospital admissions or other medical services.
The healthcare provider will normally submit the required medical information for review when prior authorisation is necessary.
An approval remains subject to the policy benefits and conditions and does not automatically mean that every related medical expense will be payable in full.
When treatment is received from an eligible healthcare provider within the assigned network, the provider may submit the covered portion of the medical bill through the applicable direct-billing process.
The member remains responsible for applicable co-payments, deductibles and expenses that are not covered by the policy.
Where reimbursement is permitted under the policy, members who have paid eligible medical expenses directly may need to submit supporting documents for claim review.
Supporting documents may include the completed claim form, medical reports, prescriptions, itemised invoices, receipts and proof of payment.
NAS administration applies only to eligible Al Buhaira policies assigned to NAS. Al Buhaira may also use other healthcare administration and medical network arrangements depending on the insurance product.
For information about Al Buhaira medical insurance benefits and services, visit our Medical Insurance page.
You can also learn more about healthcare coverage across the country in our Medical Insurance UAE guide.
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