NAS Claim Process

NAS is a Third-Party Administrator (TPA) in the UAE. Note that a TPA manages healthcare benefits and services on behalf of insurers. 

NAS, established in 2002, is headquartered in Abu Dhabi and operates across the GCC region. It offers various services focused on healthcare benefits management, including — 

1. Claims Management: Comprehensive handling of the entire claims cycle
2. Authorisation & Claims Processing: 24/7 operations to determine member eligibility
3. Policy Administration: Managing census and policy terms
4. Integrated IT Solutions: Advanced online software for healthcare management
5. Telehealth Services: Remote healthcare services
6. Preferred Provider Network: Access to a wide network of healthcare providers
7. Analytics: Data analysis to improve business performance
8. Pharmacy Benefit Management: Managing prescription drug costs and outcomes

How to Apply for NAS Reimbursement Health Insurance Claims?

You can apply for NAS reimbursement claims through its website or mobile app by following these steps — 

1. Complete the Claim Form: Make sure that the treating doctor fills out the NAS reimbursement claim form with a seal or stamp. Include all relevant details like the insured’s name, card number, diagnosis, and services.
2. Gather Documentation: Collect itemised receipts, invoices, prescription copies, and investigation reports. For inpatient cases, collect a medical report or discharge summary too.
3. Translate Documents: Translate any non-English or non-Arabic documents by an official public translator.
4. Upload Documents: Log into the NAS app or website, create credentials if it's your first time, and upload all the required documents.
5. Receive Confirmation: After successful upload, you will receive a mail confirmation with a Unique Claims Reference Number (UCRN).
6. Original Documents: For claims over AED 2,000, submit all the original documents to the insurer within 60 days from the notification date. You can also get in touch with the NAS customer service for details regarding the same. 
7. Payment Options: Choose between bank transfer or cheque issued under the principal’s name during the initial upload.

Documents for NAS Reimbursement Health Insurance Claims

Here are the documents required to process NAS insurance claims in the UAE — 

1. Copy of insurance card
2. Itemised receipts or invoices with paid stamp
3. Prescription for medication prescribed by the treating doctor
4. Investigation results or reports like laboratory test results, X-ray reports, and more
5. Medical report or discharge summary for inpatient hospitalisation cases — stamped and signed by the treating doctor

What is the NAS Health Insurance Claim Reimbursement Form?

A reimbursement claim form is a document to claim back expenses for medical services received outside the network of healthcare providers covered by your insurance. You have to present all the necessary information and documentation to process the claim efficiently.

Components of NAS Reimbursement Claim Form

1. Member Information
   • Patient name (as printed on the card)
   • Patient card number
   • Date of Birth (DOB)
   • Principal name (as printed on the card)
   • Principal contact information (email or mobile)
2. Payee Information
   • Settlement currency
   • Settlement method (Cheque or Wire Transfer)
   • Revised payee name/company name (if applicable)
   • Reason for change in payee name/company (with options to specify reasons)
3. Checklist of Documents
   • Completed NAS claim form
   • Copy of valid Emirates ID
   • Invoices and supporting medical reports
   • Prescription for medications
   • Discharge summary for inpatient treatments
   • Payment receipts for invoices
   • Translations of documents (if not in English/Arabic)
   • Completed bank details form
   • Other relevant documents (if applicable)
4. Medical Information (to be completed by the medical practitioner)
   • Country of treatment
   • Provider name and contact information
   • Date when the symptoms were first noticed
   • Physician name and contact information
   • Details of diagnosis (primary and secondary)
   • Symptoms
   • Treatment or investigation details
   • Physician signature and official stamp
5. Claimed Invoices
   • List of invoice numbers, claimed amounts, and currency
   • Total claimed amount per currency
6. Settlement Information
   • Settlement currency
   • Settlement method (Cheque or Wire Transfer)
   • Bank name
   • Account title
   • IBAN or Account number
   • SWIFT code
   • Bank address
   • Beneficiary address

How to Apply for NAS Direct or Cashless Claims?

To apply for NAS Direct or Cashless Claims, follow the listed steps — 

1. Visit a Network Provider: Confirm that the healthcare provider is within the NAS network to get cashless services.
2. Present Insurance Card: Show your NAS insurance card or Emirates ID at the time of registration.
3. Pre-Authorisation: The healthcare provider will request pre-authorisation from NAS for treatments requiring prior approval.
4. Receive Treatment: Upon approval, get the required medical treatment without paying upfront.
5. Claim Processing: NAS will directly settle the medical bills with the healthcare provider.

Terms and Conditions for NAS Reimbursement Health Insurance Claims

When applying for NAS insurance claim, it’s important to adhere to the following terms and conditions for a smooth process — 

1. Claim Submission Timeframe

Claims must be submitted within 60 days if incurred in the UAE and within 90 days if incurred outside the UAE.

1. Complete Documentation
   • All sections of the NAS claim form must be completed.
   • Invoices must have a paid stamp and be dated.
   • All documents, including medical reports and receipts, should be in English or Arabic. If they are in another language, they must be translated by an official public translator.
2. Member Information

The NAS reimbursement claim form must include the insured's name, card number, diagnosis, and details of medical services rendered.

1. Separate Forms for Each Member

Use a separate NAS claim form for each insured member.

1. Processing Time

The reimbursement procedure usually takes 15 working days from the date of successful document upload.

1. Submission of Original Documents
   • For claims amounting to AED 2,000 and above, original documents must be submitted to the insurer within 60 days from the receipt of notification from NAS.
   • Keep original documents readily available for audit purposes, even for claims below AED 2,000.
2. Response to Queries

Direct all queries to the appropriate NAS email addresses — 

• claimcenter@nas.ae for claim inquiries 
• reimbursement@nas.ae for reimbursement claims

1. Modes of Payment

You can choose between bank transfer or cheque issued under the principal’s name during the initial upload.

1. Compliance with Policy Terms

All claims will be considered in accordance with the terms and conditions of the original policy.

Factors to Keep in Mind

1. Maintain accuracy in filling out the NAS claim form to avoid disqualification.
2. Provide complete and accurate contact information for seamless communication.
3. Retain copies of all the submitted documents for your records.
4. Understand the specific terms of your insurance policy to know what is covered and the documentation required.
5. Regularly check the status of your claim through the NAS website or app.

How Can I Get NAS Health Insurance Claim Assistance Via Policybazaar.ae?

Policybazaar UAE provides a broad selection of health insurance policies from the leading insurers in the UAE. One of the key advantages of purchasing health insurance through Policybazaar.ae is our exceptional claim assistance service.

Imagine the assurance of having your health insurance claim resolved in just 30 minutes with our rapid processing system! During medical emergencies, every moment is crucial — our dedicated team is here to give you prompt and efficient support. This makes the usually stressful process of filing claims smooth and hassle-free.

Here’s how Policybazaar.ae enhances your claim experience:

1. Speedy Processing: Our claim assistance service aims to have your health insurance claim processed and resolved in as little as 30 minutes. 
2. Dedicated Claim Support: A team of experts is available to guide you through each step of the claim process so that all your queries are answered and your documentation is correctly submitted.
3. Real-Time Updates: Stay informed about the status of your claim with real-time updates so that you're never left in the dark.
4. Comprehensive Assistance: From gathering necessary documents to submitting them correctly, our team is there to assist you every step of the way.