New to the UAE — How Does Health Insurance Work Here?
generalI recently relocated to Dubai for work and I'm finding the health insurance system quite different from what I'm used to. My employer has enrolled me on an AXA plan through a TPA called NAS, but I'm confused about how to actually use it. Some specific questions: 1. What exactly is a TPA and why doesn't my insurance just work directly with hospitals? 2. I have a "silver network" — how do I find which hospitals and clinics are included? 3. Is it true that some doctors/specialists might be at a covered hospital but not on my network? 4. What happens if I go to an out-of-network provider in an emergency? 5. I need a GP for a general check-up — is there a way to search by insurance online? I called NAS and they emailed me a PDF list but it's massive and not very user-friendly. Surely there's a better way to navigate this? Any tips for a newcomer would be really helpful. Thank you.
