medical insurance

Medical Insurance

Medical Insurance Coverage of Gulf Drug and Subsidiaries



The group medical insurance plan is renewed under Abu Dhabi National Insurance Company and TPA NAS.


1. Health card – refer to the virtual ecard copy of self and dependents on my Nas app. These copies are as good as hard copies and all providers under the networks accept these soft copies.


2.Health Hub– refer to 90% of healthcare providers in the market (Both within and outside network), refer to Dr’s profile, book an appointment. All providers and doctors within network will have a green tick mark while outside network will have red tick mark. Members can also book appointment through health hub directly.


3. TruCare by TruDoc 24×7 – provides you access to highly trained and licensed doctors, wellness experts, psychologist, and care coordinators to support you with non-life threatening, chronic and preventive care via voice/video calls and live chat.


Teleconsultations are perfect for minor conditions like;


  • Coughs & colds
  • Rashes
  • Headaches
  • Sore throat
  • Sinus conditions
  • Eye Infections
  • Chronic condition refills of medication
  • & many more


nas app

4. My Nas App – Register on my Nas app using your Emirates ID numbers. The network list, schedule of benefits, Ecard and claim form can be viewed.


We recommend you to download the mobile app where you can easily access medical insurance ecard, network and benefit hence coverage is linked to your Emirates ID. 


To set up the application using your emirates id nos. contact the below:


TPA Contact No: 800 2311


My nas app

This application is designed for your convenience as it guides you to the nearest healthcare provider in your area and provides information concerning inclusion and exclusion of the coverage as per your category.


5. Reimbursement claim submission checklist:


5.1 Submit reimbursement claims on my Nas app and the timeline submission is 30 days within and outside UAE for eligible members only.
5.2. Invoices and receipts with itemized breakdown
5.3. Medical report from the treating physician
5.4 Test and result copies of investigation carried out
5.5. Duly filled, signed and stamped reimbursement claim form


5.6. Discharge summary and copy of prior approval (for in-patient case only)
5.7. Reimbursement claim of AED 10,000/- and more requires original copies of above mentioned documents to be submitted to HR office.


6. General Exclusions:


6.1. General Exclusions for Dubai Visa Holders (DHA Plan)


6.2. General Exclusions for Dubai Visa Holders (HAAD Plan)


7. Excluded Providers 2022:


In line with the subject matter, we are pleased to provide you with all the guiding information with respect to your category. Below are the most updated  network coverage where you can access your medical insurance benefits.




DHA Plan (Dubai Visa Holders)












HAAD Plan (Abu Dhabi Visa Holders)










Outpatient treatment : In case the member wants to avail outpatient treatment, the member can avail the same within the network. The network list can be reviewed on the app. If you choose to go out of the network then your claim will be processed on reimbursement basis.


Inpatient treatment : In case the member is in need of any inpatient treatment, ADNIC can arrange for a direct billing at the hospitals within the network. Should you require additional support on the approvals. Please feel free to get in touch with below:


TPA Contact No: 800 2311


Sanctions Clause will apply:  Please note that Insurers would not pay claims incurred in sanction countries. We suggest you to seek insurers prior approval before travelling to sanction country for business trip




The European Union (EU) also issues sanctions which are enforced by each EU member state.


EU Member States: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden.


Details of current Sanctions regimes can be found via the links shown below:


Should you require further assistance, please don’t hesitate  to contact Ms. Romalyn Dasugo, our Medical Insurance Specialist who would be pleased to receive all your inquiries on her contact details below.


Romalyn Oroceo Dasugo
Medical Insurance Specialist
Human Resources Department
Tel: +971 4 5014099
Mob: +971 5 43095966