NAS (NextCare) vs Takaful Emarat
UAE Health Insurance Comparison 2026
NAS (NextCare)
tpa10,345 providers
2 plans
Est. 1999
DHA, DOH, MOHAP regulated
Takaful Emarat
private2,222 providers
2 plans
Est. 2008
DHA, DOH, MOHAP regulated
NAS (NextCare) has 2 plans from AED 2,500 a year and 10,345 in-network providers in 8 cities. Takaful Emarat has 2 plans from AED 2,500 a year and 2,222 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 Takaful Emarat — At a Glance
| Attribute | NAS (NextCare) | Takaful Emarat |
|---|---|---|
| Type | tpa | private |
| Founded | 1999 | 2008 |
| Headquarters | Dubai | Dubai |
| Regulators | DHA, DOH, MOHAP | DHA, DOH, MOHAP |
| Number of Plans | 2 | 2 |
| Premium Range | AED 2,500 – 13,000 | AED 2,500 – 12,000 |
| Total Network Size | 10,345 | 2,222 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 20% | 20% |
| Claims Phone | 800-627 | 800-825235 |
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 | Takaful Emarat |
|---|---|---|---|
| Dubai | 5,030 | vs | 1,138 |
| Abu Dhabi | 2,321 | vs | 506 |
| Sharjah | 1,605 | vs | 279 |
| Al Ain | 566 | vs | 96 |
| Ajman | 362 | vs | 106 |
| Ras Al Khaimah | 248 | vs | 45 |
| Fujairah | 166 | vs | 33 |
| Umm Al Quwain | 47 | vs | 19 |
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 →Takaful Emarat Plans
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
2,222 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
2,222 providers
View details →Verdict
Choose NAS (NextCare) if you need a larger provider network. Choose Takaful Emarat if you prioritise strong coverage and established reputation. 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 Takaful Emarat — FAQ
Which is better, NAS (NextCare) or Takaful Emarat?
It depends on your needs. NAS (NextCare) has 10,345 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 2,222 providers across 8 cities with 2 plans from AED 2,500/yr. Choose NAS (NextCare) if you need a larger provider network. Choose Takaful Emarat if you prioritise strong coverage and established reputation.
Is NAS (NextCare) cheaper than Takaful Emarat?
Both NAS (NextCare) and Takaful Emarat have entry-level plans starting from AED 2,500/yr. However, pricing varies by age, nationality, visa type, and employer. Compare enhanced and premium tiers for a full picture, and always obtain personalised quotes.
Which has a bigger network in Dubai, NAS (NextCare) or Takaful Emarat?
NAS (NextCare) has a larger Dubai network with 5,030 providers, compared to Takaful Emarat's 1,138 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does NAS (NextCare) or Takaful Emarat 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 Takaful Emarat offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from NAS (NextCare) to Takaful Emarat?
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 Takaful Emarat (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 Takaful Emarat have dedicated claims and onboarding teams to facilitate the transition.
How do I compare NAS (NextCare) and Takaful Emarat plans?
Use the UAE Health Insurance Navigator on this page to compare NAS (NextCare) and Takaful Emarat side-by-side. Key factors to compare: (1) Annual premium — NAS (NextCare) starts from AED 2,500/yr, Takaful Emarat from AED 2,500/yr, (2) Network size — 10,345 vs 2,222 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 Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.