Gulf Solutions for individuals

The Gulf is an area that’s highly regulated when it comes to healthcare. Our Gulf Solutions product has been specifically created for you if you’re living or working in Oman and the United Arab Emirates, including Abu Dhabi.

Why do you need a specific Gulf policy?

It’s all to do with local legislation: in some areas for example, to satisfy visa requirements, you may need to show evidence of having health insurance that’s been provided by a locally licensed insurer.

We’ve worked in partnership with Emirates Insurance Company and Oman Qatar Insurance Company to create a new policy, entirely appropriate to the territory. And you can be reassured by the fact you’ll still benefit from a wide range of features if travelling outside the region. Full details are in our Gulf Solutions brochure (PDF 2.7MB).

Key benefits of our Gulf Solutions policies

Above all you will have the reassurance of knowing we’ve worked with local insurance experts to create a policy that can support your healthcare needs specifically in Oman and the United Arab Emirates, 24 hours a day, 365 days a year.

  • Fully compliant with local regulations – we’ve made sure our support is based on local expertise in this region
  • Enhanced benefits – higher levels of cover and the option of adding Maternity cover
  • Extra clarity – clear benefit terms for complete peace of mind
  • Easy claims process – with direct settlement, even for dental and optical claims

Gulf Solutions 1 gives you access to a range of core cover as standard. To increase your cover, you can select Gulf Solutions 2, 3 or 4 adding each tier will add an extra level of cover to the policy. If you select any of these options, your premiums will increase.

Gulf Solutions 1 – core cover

With an annual benefit limit of US $7.5m, these benefits are offered across all four Gulf Solutions policies.

In & Day-patient Care

We’ll provide cover for accommodation, intensive and high dependency care, nursing care and operating theatre costs.

We’ll also cover specialists’ fees, diagnostic tests, radiology (such as CT, MRI and PET scans), kidney dialysis, internal prostheses and rehabilitation. If you require additional treatment prescribed by a specialist whilst in hospital, such as treatment by a physiotherapist or a dietician, we’ll also cover this. These are just some of the in & day-patient benefits offered by Gulf Solutions, please download the brochure (PDF 2.7MB) for full information.

International Cancer Pledge

We’ll cover all the treatment and palliative care, recommended by an oncology specialist. We’ll also make things as comfortable as possible after treatment with cover for aftercare, including a contribution towards prostheses and wigs. Stem cell treatment will not be covered.

Out-patient Care

Our core cover includes the key elements of out-patient treatment that you would expect from your Gulf Solutions policy, such as consultations with a specialist, diagnostic tests, radiology (including MRI and CT scans), minor surgery and out-patient treatment such as physiotherapy. We’ll also cover the costs for up to 10 speech therapy sessions, on referral by a specialist, following a hospital admission for trauma or stroke. Please refer to the Gulf Solutions brochure (PDF 2.7MB) for all the out-patient benefits included within core cover.

Additional Benefits

Our home nursing benefit levels run for 60 days and complications of pregnancy are covered as standard. However, in some parts of the Gulf, you will also need the additional cover provided by our Maternity upgrade option, which provides cover for the more routine costs.

Everyday Healthcare

We include many of the benefits you would receive from your their local GP, such as for prescription medication and vaccinations and up to 20 consultations with a doctor per person per year.

Optical benefits are included and we’ll cover routine sight examinations and contribute towards the cost of prescription glasses and contact lenses. We also cover other GP referred treatments out of this benefit, such as physiotherapy. We will also offer cover towards hormone replacement therapy (benefit limits apply).

Condition Management

Acute phases of congenital or hereditary conditions are covered up to US $75,000 and treatment for HIV and AIDS is covered up to US $15,000.

Evacuation & Emergency Assistance

If treatment isn’t available locally, we’ll arrange for your evacuation to the nearest facility even if that’s in a different country, providing it is medically safe to do so. All Gulf Solutions policies also automatically benefit from a range of repatriation and compassionate travel benefits as standard, giving more cover in the event of family emergencies.

Gulf Solutions 2 – adds dental care

Dental

When your upgrade to Gulf Solutions 2 you will have all the benefits included within Gulf Solutions 1, plus you’ll receive up to US $2,250 cover for dental costs.

We’ll pay towards the cost of routine dental check ups and dentistry, such as X-rays and fillings. We’ll also pay towards complex dentistry such as porcelain crowns and caps, extractions and dental surgery, as well as orthodontic treatment for children. Usually, we’ll settle bills directly with the dentist.

If you take out this option your premium will increase.

Gulf Solutions 3 – adds Additional Out-patient & Alternative Therapies

Additional Out-patient & Alternative Therapies

By taking out Gulf Solutions 3, you will receive all the core benefits in Gulf Solutions 1, plus the dental benefits of Gulf Solutions 2, and get additional support as an out-patient such as psychiatric treatment and out-patient rehabilitation.

You can also benefit from a comprehensive range of alternative therapies such as ayurvedic, Chinese medicine, acupuncture, homeopathy, chiropody, podiatry, osteopathy and chiropractic treatment. We’ll pay up to US $3,750.

We’ll also include up to five speech therapy sessions for and children that you have covered on your policy.

If you take out this option your premium will increase.

Gulf Solutions 4 – adds Wellbeing

Wellbeing

On top of the benefits included in Gulf Solutions 1, when you upgrade to Gulf Solutions 4 we’ll include all the benefits of Gulf Solutions 2 and 3, and ‘Wellbeing’ – a range of benefits to help you stay as healthy as possible.

We’ll provide cover towards the cost of routine and other physical examinations, such as mammograms, prostate screenings, and cover for hearing and dietician tests. And we’ll also cover vaccinations for leisure in addition to business travel. In most cases, we’ll settle bills directly with the medical facility.

If you clients take out this option your premium will increase.

Maternity

Gulf Solutions gives you the flexibility to add maternity cover to your policy – whichever tier of cover you choose – either to meet local legislative requirements, or as an optional added value benefit in areas where maternity cover isn't a mandatory requirement.

By adding maternity to your Gulf Solutions policy, you & your family will have the peace of mind that you’ll be covered for pregnancy or childbirth, including pre and post-natal care. Our maternity option also provides cover for investigations into infertility. If you choose to add maternity cover to your policy your premium will increase.

In Abu Dhabi this option will automatically be included in your policy to meet local requirements.

FAQs about Gulf Solutions

Why do premiums need to be paid in Dirhams for cover in the UAE?
Due to current legislation in the United Arab Emirates, premiums must be paid directly to Emirates Insurance Company (our local partner) in Dirhams. For all other countries, we encourage you to pay your premiums in US Dollars as this can help to beat currency fluctuations.

What documentation will you receive?
We’ll send out a welcome pack with full policy details and NAS will send you their Gulf Solutions membership card(s). Each membership card will include the member’s photograph, which helps ensure there are no identification problems when seeking treatment in Oman and the UAE. We recommend that you keep these cards with you at all times.

In the welcome pack, we’ll include details about our Gulf Solutions website where you can find details about your policy, different benefit terms, and information to help you make a claim if you need to.

Why do you need photos?
Along with our standard Gulf Solutions literature, you will be issued with a Gulf Solutions membership card. This is mandatory, due to local legislation in some Gulf regions – in the main, it’s for reasons of security and ease if you need treatment.

What is the claims process?
We always advise that you check your current member guide to find out what to do as it depends entirely on where the claim is made – but it’s quite straightforward:

  • You’ll need to make claims through NAS Administration Services. You will find the right phone number for the country you’re in on your Gulf Solutions membership card, or, if needed, you can call NAS’s main switchboard direct on +9712 6940700. Most claims will be settled directly with the medical facility, even dental and optical.

You will need to show your Gulf Solutions membership card to get treatment – that’s why we recommend carrying it at all times. NAS will then liaise with the medical provider, and in most cases will organise direct settlement of any invoices. We’ll send details of how to claim with your documentation.

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