NAS (NextCare) vs RAK Insurance
UAE Health Insurance Comparison 2026
NAS (NextCare)
tpa10,345 providers
2 plans
Est. 1999
DHA, DOH, MOHAP regulated
RAK Insurance
private1,615 providers
2 plans
Est. 1974
MOHAP regulated
NAS (NextCare) has 2 plans from AED 2,500 a year and 10,345 in-network providers in 8 cities. RAK Insurance has 2 plans from AED 2,000 a year and 1,615 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
NAS (NextCare) vs RAK Insurance — At a Glance
| Attribute | NAS (NextCare) | RAK Insurance |
|---|---|---|
| Type | tpa | private |
| Founded | 1999 | 1974 |
| Headquarters | Dubai | Ras Al Khaimah |
| Regulators | DHA, DOH, MOHAP | MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 13,000 | AED 2,000 – 8,500 |
| Total Network Size | 10,345 | 1,615 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | No |
| Maternity | Yes | Yes |
| Mental Health | Yes | No |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Phone (from the insurer's website) | 800 2311 | See rakinsurance.com |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | NAS (NextCare) | vs | RAK Insurance |
|---|---|---|---|
| Dubai | 5,030 | vs | 945 |
| Abu Dhabi | 2,321 | vs | 343 |
| Sharjah | 1,605 | vs | 205 |
| Al Ain | 566 | vs | 1 |
| Ajman | 362 | vs | 61 |
| Ras Al Khaimah | 248 | vs | 33 |
| Fujairah | 166 | vs | 17 |
| Umm Al Quwain | 47 | vs | 10 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
NAS (NextCare) Plans
NAS (NextCare)
NextCare Essential
Mandatory compliance for employers across UAE
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
10,345 providers
View details →NAS (NextCare)
NextCare Gold
Corporate employees seeking comprehensive TPA-managed coverage
AED 6,000 – 13,000/yr
Annual limit: AED 750,000 · semi-private room · 20% co-pay
10,345 providers
View details →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in the Northern Emirates who need the mandatory cover
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
1,615 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
1,615 providers
View details →Verdict
Choose NAS (NextCare) if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
NAS (NextCare) vs RAK Insurance — FAQ
Which is better, NAS (NextCare) or RAK Insurance?
It depends on your needs. NAS (NextCare) has 10,345 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. RAK Insurance has 1,615 providers across 8 cities with 2 plans from AED 2,000/yr. Choose NAS (NextCare) if you need a larger provider network, more comprehensive coverage options. Choose RAK Insurance if you prioritise lower entry-level premiums.
Is NAS (NextCare) cheaper than RAK Insurance?
No, RAK Insurance's entry-level plan starts from AED 2,000/yr, while NAS (NextCare)'s cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.
Which has a bigger network in Dubai, NAS (NextCare) or RAK Insurance?
NAS (NextCare) has a larger Dubai network with 5,030 providers, compared to RAK Insurance's 945 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does NAS (NextCare) or RAK Insurance cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. NAS (NextCare)'s dental sub-limit goes up to AED 4,000/yr, while RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from NAS (NextCare) to RAK Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from NAS (NextCare) to RAK Insurance (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both NAS (NextCare) and RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare NAS (NextCare) and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare NAS (NextCare) and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — NAS (NextCare) starts from AED 2,500/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 10,345 vs 1,615 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.
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Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from NAS (NextCare) and RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.