Then extends to our partners.
NAS for 24/7 support on provider access, approvals and claims. Medigo for hospitalisations outside the GCC. Assist America for emergency evacuations. The right team for the moment, every time.
Policy queries, network coverage (Bahrain, Kuwait, Oman, Qatar and UAE), eligibility check, claims submissions, approval follow-up, reasons for denials, member detail updates, concerns and feedback.
NAS Guide & Network List +
How your cover works
NAS administers your OpenX cover day-to-day — approvals, claims, network access and member support. They are available 24/7 with qualified medical staff on hand.
Your membership card
Your digital NAS card lives in the Wellx app, with your membership number. In the UAE, providers will usually validate cover using your Emirates ID alongside it.
Using a network provider
Visit any clinic, hospital or pharmacy in the NAS network — plus dentists and opticians where your plan includes them — and show your digital card. Eligible care is billed directly between the provider and NAS, so there is no upfront payment and no claim to file afterwards.
Direct billing follows your plan terms, area of cover and the provider's arrangements. Higher-cost or clinically complex treatments may be reviewed by NAS before they go ahead. This is part of the standard process and helps ensure the treatment fits what your plan covers.
Going outside the network
You can still see a non-network provider, but you will usually need to pay upfront and claim it back. Submit through the Wellx app, the NAS app or by email.
Keep itemised invoices, receipts, prescriptions and any medical reports or supporting documents. Make sure everything is complete and translated into English or Arabic where needed.
Service turnaround times
| Service | Turnaround |
|---|---|
| Outpatient approvals | Up to 6 hours — 95% complete within 3 |
| Inpatient approvals | Up to 24 hours |
| Reimbursements | Up to 10 working days from a complete claim |
Times begin once NAS has all the information it needs.
Member support, 24/7
NAS is available around the clock for treatment questions, claims queries and help finding a provider near you.
Network list
The full NAS provider network across the GCC is available below. The list may change from time to time — confirm with NAS before treatment when timing matters.
All access, billing, approvals and reimbursement are subject to your policy terms, network rules and administrative arrangements.
Pre-authorisation, Guarantee of Payment (GOP), direct-billing and assistance queries — for hospitalisations outside Bahrain, Kuwait, Oman, Qatar and UAE.
Members can request an immediate call back to minimise personal phone costs.
Medigo Guide & Network List +
What Medigo does
Medigo is the global direct-billing partner for OpenX members — providing cashless access to a wide network of healthcare providers worldwide. Direct billing means the network provider charges Medigo directly, subject to provider acceptance, so there is no upfront payment and no claim form to submit afterwards.
Emergency hospitalisation
In an emergency at a network provider, contact Medigo as soon as possible. Medigo will then contact the provider on a priority basis to arrange the payment facility.
Treatment must meet the policy definition of an emergency to qualify for this priority service.
Planned inpatient or day-patient treatment
Contact Medigo in advance — ideally at least three working days prior — so they can arrange direct billing with the provider on your behalf.
Network list
The Medigo provider network is available below. The list may change from time to time — check with Medigo in advance, where possible, before seeking treatment.
Reimbursement claims for treatment already paid for are not processed by Medigo — these should be sent directly to NAS. Direct billing is subject to provider acceptance and policy terms.
Round-the-clock global member assistance — answered every time, anywhere.
Members can request an immediate call back to minimise international phone costs.
Assist America Programme Guide +
When the programme applies
Assist America services activate when a member is in another country, for up to 90 days.
Medical emergency assistance
| Medical referrals & consultation | 24/7 multilingual Operations Centre connects members to qualified providers, hospitals and pharmacies. |
| Foreign hospital admission | Validates insurance or advances funds to the hospital. Advances are repayable within 45 days. |
| Medical monitoring | Regular contact with the patient, family and treating staff to track quality and progress of care. |
| Emergency medical evacuation | Transport to the nearest qualified facility when appropriate care is unavailable locally. |
| Medical repatriation | Commercial transport home or to a rehabilitation facility, with medical or non-medical escort as required. |
| Prescription assistance | Coordinates with the prescribing physician and a local pharmacy to replace lost medication. Member pays the cost. |
| Family evacuation transport | Returns immediate family home, or to the location where the member has been evacuated. |
Travel emergency assistance
| Compassionate visit | Economy airfare for a family member or friend to join a member hospitalised more than five consecutive days. |
| Care of elder parents and minor children | One-way economy transport home for unattended elders or younger children, with attendants if needed. |
| Return of mortal remains | Transport to an authorised funeral home near the member's permanent residence. |
| Bereavement reunion | Economy round-trip airfare for up to two designated family members to the member's place of death. |
| Early return | One-way economy airfare home if an immediate family member dies or is critically diagnosed. |
| Other services | Interpreter and legal referrals, emergency message transmission, lost luggage assistance, hotel referrals, pre-trip information and travel app services. |
The Assist America Travel App
Tap for Help connects directly to the 24/7 Operations Centre. Live travel alerts. Multilingual interface (English, Spanish, Arabic, Mandarin, Thai, Bahasa, Turkish, French). Pre-trip information by destination. Embassy locator. Mobile ID card. Full service list.
Enter the reference number above and activate the coverage indicator to enable services in the app.
What's not covered
| Trip type | Travel undertaken specifically to seek medical treatment. Trips over 90 days from legal residence (Expatriate Coverage required). |
| Specific causes | Acts of war, insurrection, unlawful acts, suicide attempts, drug-related incidents (unless prescribed). |
| Evacuation limits | Mild injuries treatable locally, pregnancy beyond 28 weeks, mental or nervous disorders unless hospitalised, leaving care against medical advice, transfer to a similar-capability facility. |
| Reimbursement | Transport or services arranged independently by the member are not reimbursed. |
Service availability and response time depend on location and on conditions beyond Assist America's control (weather, airport access, communications, local regulations). Medical authorisation is required for evacuation and repatriation. Consulting physicians and attorneys are independent contractors.
Where the cost of treatment is paid directly by the insurer — no upfront payment, no claim form.
For costs incurred when paying a provider out of pocket — submit the form and supporting documents.
Reimbursement Guide +
When this applies
If a member visits a provider outside the NAS network — or if direct billing is not accepted — the cost can be reclaimed. Submit a claim to NAS for reimbursement.
How to submit
| Mobile app | Wellx App or NAS App · iOS or Android |
| [email protected] · include NAS Member ID or Emirates ID |
The process
Submit the claim → receive an acknowledgement email → NAS assesses.
Possible outcomes
| Approved | Settled in full or in part. Bank transfer within 10 working days. |
| More information required | NAS will request the missing documents. |
| Declined | An email explaining the reason. |
What to include
A completed Claim Form, signed and stamped by the provider. A discharge summary or medical report for inpatient and day-patient claims. Diagnostic reports (blood tests, X-ray, MRI and similar). Prescriptions. Receipts and invoices.
Practical notes
The Claim Form is available above. For ongoing treatment, submit documents with each invoice. Processing times can vary. Copies are accepted — keep the originals.
Outcomes, timing and document requirements remain subject to your policy terms and NAS administrative arrangements.
Please contact your local sales agent to advise us of any changes to your details.