Question 1

Which is better, NAS (NextCare) or Takaful Emarat?

Accepted Answer

It depends on your needs. NAS (NextCare) has 10,619 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Takaful Emarat has 8,040 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.

Question 2

Is NAS (NextCare) cheaper than Takaful Emarat?

Accepted Answer

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.

Question 3

Which has a bigger network in Dubai, NAS (NextCare) or Takaful Emarat?

Accepted Answer

NAS (NextCare) has a larger Dubai network with 5,200 providers, compared to Takaful Emarat's 4,174 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does NAS (NextCare) or Takaful Emarat cover dental?

Accepted Answer

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.

Question 5

Can I switch from NAS (NextCare) to Takaful Emarat?

Accepted Answer

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.

Question 6

How do I compare NAS (NextCare) and Takaful Emarat plans?

Accepted Answer

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 — 10,619 vs 8,040 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.

Attribute	NAS (NextCare)	Takaful Emarat
Type	tpa	private
Founded	1999	2008
Headquarters	Dubai	Dubai
Regulators	DHA, HAAD, MOHAP	DHA, HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 13,000	AED 2,500 – 12,000
Total Network Size	10,619	8,040
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

City	NAS (NextCare)	vs	Takaful Emarat
Dubai	5,200	vs	4,174
Abu Dhabi	2,357	vs	1,628
Sharjah	1,628	vs	1,238
Al Ain	584	vs	332
Ajman	374	vs	411
Ras Al Khaimah	261	vs	160
Fujairah	168	vs	74
Umm Al Quwain	47	vs	23

NAS (NextCare) vs Takaful Emarat

NAS (NextCare)

Takaful Emarat

NAS (NextCare) vs Takaful Emarat — At a Glance

Network Comparison by City

NAS (NextCare) Plans

NextCare Essential

NextCare Gold

Takaful Emarat Plans

Takaful Emarat Basic Takaful

Takaful Emarat Enhanced Takaful

Verdict

NAS (NextCare) vs Takaful Emarat — FAQ

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