DNI Health Insurance Claim / Reimbursement Form

Dubai National Insurance (DNI), established in 1991, is one of the oldest insurance firms listed on the Dubai Financial Market. It has a significant number of public shareholders from all around the country, including several top industrialists. 

In the UAE, DNI is regarded as one of the most experienced and reliable insurance providers, offering a variety of personalised insurance solutions to its customers. Thanks to the distinctive benefits and cutting-edge technology, DNI has emerged as one of the pioneers of the UAE insurance business, offering top-notch healthcare-related and other insurance policies.

Besides comprehensive policies, DNI is renowned for its highly qualified, motivated and experienced customer care team, supporting its customers at every stage of the insurance process. And to stay one step ahead in its services, DNI provides a smooth, convenient, fast and streamlined health insurance claim process. 

As you walk through the article, you will know more about the DNI health insurance claim process and other aspects.

Download DNI Health Reimbursement Form PDF

Types of DNI Health Insurance Claims

DNI provides two types of claims - Direct Billing and Reimbursement Claims. Let's understand how both types of claims differ from each other - 

Direct Billing Claims: The process in which your healthcare provider directly bills DNI for medical services rendered to you or the insured, rather than paying upfront to the medical facility. Direct billing benefits the insured and provider by reducing the financial burden and simplifying the payment process.

Reimbursement Claims: In this type of claim, the insured pays for medical services out-of-pocket and then submits a claim to the DNI for the expenses incurred during the medical treatment. The medical facility provides the insured with an itemised receipt that includes the date and cost of the services received, which they can submit to DNI for reimbursement. 

DNI Health Insurance Claims Procedure

Without further ado, let's look at the procedure of health insurance claims in the UAE - 

1. Direct Claims

Keep the following pointers in mind for settling DNI direct billing claims - 

• Visit the empanelled hospital for a hassle-free claim process.
• Ensure you visit the medical facility with the required documents, including your DNI health insurance card.
• Inform the concerned insurer within a stipulated time frame.
• It is essential to provide accurate information to the insurance provider to avoid denial of the claim.
• The direct claim shall be settled in accordance with the terms and conditions of your health insurance policy. The excess amount shall be payable by the policyholder.
• In case your claim is denied for any reason, the denial sheet shall be sent to you.

2. Reimbursement Claims

You can submit the reimbursement claim form and the required documents via the official websites or applications of NEXTCARE, NSA, and MED Net. Given below are the detailed steps for submitting the DNI insurance claims - 

NEXTCARE Online Claim Reimbursement Procedure - 

• Download the reimbursement claim form.
• Your treating doctor should fill out the form with the stamp. In addition, all the details in the form should be accurate, as any discrepancies might disqualify the claim.
• If you submit the claim for different members, using a separate form for each member is advisable.
• Submit the form with the required documents in the NEXTCARE application or NEXTCARE official website. 
• You are required to create a username and password and use the credentials either on the mobile application or the official website.
• You shall receive an email on every upload with Unique Claims Reference Number (UCRN). You can track your claims using the UCRN and get real-time updates.
• Key in the mode of payment details, bank or cheque. It is to be noted that the cheque shall be issued under the principal's name as given in the policy.
• The NEXTCARE reimbursement procedure takes 15 working days after submitting all documents.
• In case the insurer requires additional documents, they shall notify you in the 3 working days.
• If your DNI claim is rejected, you can resubmit the claim in 30 calendar days within UAE and 60 calendar days for claims outside the UAE from the claim initiation date.
• For any queries related to the DNI NEXTCARE health insurance claim, you can send an email to Membercare@nextcarehealth.com.

NAS Online Claim Reimbursement Procedure - 

• Download the form from the official website and the mobile application of NAS.
• Ask your treating facility to fill out the claim form with the pertinent details.
• Once the form is duly filled and stamped, upload the required documents on the NAS app or website. The documents shall include all invoices, official receipts, and medical reports. All documents must be in English or Arabic. 
• You will get an email stating the Unique Claims Reference Number on every upload.
• For claims with a claim amount equivalent to AED 2000 and above, you need to submit all original docuemnts within 60 days of receiving the notification from NAS. 
• If your documents are completed, you shall be notified and get the claim summary sheet by email.
• For incompleted documents, you will get a notification in 3 working days stating the same.
• In case your claim request is denied, you can resubmit the claim. For claims inside the UAE, resubmit the claim in 30 calendar days. For claims outside the UAE, the resubmission procedure can be done within 60 calendar days of the claim's initiation date.
• You also have the option to enter the mode of payment through which you want to get your reimbursed amount. The concerned insurer will transfer the funds to your bank account or issue a cheque under the principal's name.

MED Net Online Claim Reimbursement Procedure - 

• Go to the official website of MED Net, download the reimbursement claim form, fill it by your doctor, and submit it with the required documents.
• The claim process turnaround time is 10 working days from the date of submission of documents.
• For claims above AED 2000, original documents shall be submitted within 60 days of receiving the notification from MED Net.
• Download it and fill it out with all the required information.

How to Fill Out the DNI Reimbursement Form?

The claim form must be filled out accurately to be submitted for reimbursement. Here's what you need to do:

• Download the DNI health insurance claim form from the concerned provider's website in PDF.
• Enter the name and health insurance number listed on the insurance card issued by the insurance company.
• Medical Record - Ask your doctor to write a brief report about your condition and confirm that your medication is medically recommended.
• Information of your healthcare providers, including the addresses of all the facilities where you received treatment, including diagnostic labs.
• Collect all the relevant invoices of medical bills and enter the bill number under 'Medical Bill Number'. Remember to include the dates of treatment and the associated bill number.
• If you add a service to the form, briefly describe it and explain what it entails, including doctor visits, prescription medication, hospital stays, etc.
• Once you have added all of the services on the health insurance claim form, count the total. Specify the original currency in which the payment was made.

Documents Required While Submitting NEXTCARE health insurance claim in the UAE - 

• Invoices with dates and paid stamps.
• Valid prescription of medicines or drugs
• Diagnostic test reports, like x-ray reports, laboratory reports and more.
• A discharge summary stamped and signed by the treating facility is required for inpatient hospitalisation cases.

Things to consider when Filling out the DNI Medical Insurance Reimbursement Form

• Ensure that all the information on the form is accurate, complete, and matches the medical record. This includes the patient name, date of birth, policy number, diagnosis codes, and treatment dates.
• Verify that the medical treatment received is covered under the policy and that any deductibles or co-pays have been paid.
• File the claim within the designated period outlined in the policy. Late claims may not be processed, resulting in claim denial.
• To avoid repeating the submission procedure, ensure you have everything on hand and in order. Even the slightest mistake in the form or missing papers might result in the rejection of the claim. If medical invoices are not written in English or Arabic, get them translated by a public translator before you submit them.
• Sign and date the claim form, and provide any other required signatures, such as the doctor's signature.

To Wrap Up 

You can submit your DNI health insurance claim in a few clicks if all the proper steps are taken and the requisite documents and receipts are submitted. However, it is vital to read your policy and check if you are eligible to get reimbursement for the treatment, ensuring that your DNI health insurance claim process settles without a hitch. 

Health Insurance Popular Searches

Health Insurance | Dubai Health Insurance Cost | Health Insurance for Kids | Health Insurance Plans for Family | Dental Insurance | Individual Health Insurance | Health Insurance Abu Dhabi | Medical Insurance Sharjah | How to check Medical Insurance status with Emirates ID | Best Health Insurance companies in UAE | Health Insurance for Parents | Maternity Insurance UAE