ADNIC TPA: Claims, Approvals & Healthcare Network

What is a TPA, and Why is it Important?

A TPA, or Third Party Administrator, is a service provider that acts as the bridge between your insurance company and healthcare providers like hospitals, clinics, and pharmacies. In the case of ADNIC TPA, it handles a wide range of services on your behalf. This way, it makes sure your health insurance works smoothly and efficiently.

Here’s why TPAs are important in your healthcare journey — 

1. Claim Handling: TPAs manage your insurance claims, including approvals, processing, and reimbursements
2. Hospital Coordination: It communicates directly with hospitals and clinics to arrange pre-authorisations or direct billing
3. Provider Network Access: TPAs maintain a large network of medical providers you can use without paying upfront
4. Customer Support: You get assistance with queries, claim status, and required documentation
5. Emergency Support: Some TPAs also provide 24/7 helplines for emergencies or urgent approvals

Who are ADNIC’s TPA Partners?

ADNIC works closely with some of the most trusted and experienced Third Party Administrators (TPAs) in the region. These TPAs handle the operational side of your insurance. The claims are processed quickly, approvals are managed correctly, and you always have access to the right hospitals and clinics.

Given below are the ADNIC TPAs —  

📌 Your assigned ADNIC TPA will be clearly mentioned on your health insurance card and welcome pack. You might also get access to your TPA’s web portal or app for faster claim tracking.

Which Provider Networks are Managed by ADNIC TPAs?

One of the biggest benefits of having ADNIC health insurance is access to a wide and tiered network of healthcare providers — from local clinics to top-tier international hospitals. These networks are managed by ADNIC’s approved TPAs like NextCare, NAS, and MSH International.

Each insurance plan (Platinum, Gold, Silver, or Bronze) comes with its own provider network level, based on coverage, location, and pricing. Your assigned TPA handles this network for direct billing, claim coordination, and hospital access.

🩺 ADNIC Network Tiers

📌 Each of these networks is managed by your assigned ADNIC TPA for real-time approvals and hospital availability.

How to Find Your Network Hospital or Clinic in ADNIC Health Insurance Plan?

You can easily search for hospitals and clinics available to you through your medical insurance policy via —

1. ADNIC Website 
2. TPA Portals (e.g., NextCare, NAS)
3. ADNIC Mobile App — Filter by emirate, speciality or language
4. Medical Card — Shows your TPA and eligible network

How Does ADNIC TPA Support You Digitally?

ADNIC ensures that your health insurance is digital, quick, and right at your fingertips. Whether you're submitting a claim, checking your network, or tracking approvals, your ADNIC TPA offers multiple digital channels to make your life easier.

🧾 Here’s what you can do online or through the app – 

💡 Example: If you went to a pharmacy and the medicine wasn’t covered directly, you could just scan and upload the receipt via the ADNIC app or your TPA portal for fast reimbursement.

Reimbursement & Direct Billing Process in ADNIC TPA

When it comes to paying for medical services, ADNIC gives you two clear options — Direct Billing and Reimbursement. 

Direct Billing

This is when you don’t have to pay anything at the hospital, clinic, or pharmacy (except your co-payment, if any). Your TPA settles the bill directly with the provider.

✅ You can use direct billing when — 

• You visit a network provider listed under your ADNIC plan
• The service is covered and pre-approved (if required)
• You show your ADNIC insurance card (with your TPA listed)

💡 Example: You visit a hospital for a covered diagnostic test. The provider sends a request to the TPA (like NAS or NextCare). Once approved, the hospital bills the TPA directly. You only pay any co-insurance if applicable.

Reimbursement Billing

If you visit a provider that’s not in your network or pay upfront for treatment, you can apply for reimbursement later.

📄 How to get reimbursed — 

• Submit your claim via ADNIC mobile app, email or your TPA’s portal
• Provide:
  • Original medical report
  • Paid invoice
  • Prescription and medicine receipts
• Claims are usually processed within 14 working days

What is Assist America and How Does It Help ADNIC Members?

When you’re travelling internationally or far from home, getting urgent medical help can feel stressful. That’s where Assist America comes in. Note that it’s not a TPA like NAS or NextCare. It’s actually a global emergency service partner provided by ADNIC for members who are 120 km or more away from their permanent residence or in another country.

Who Gets Access to Assist America?

1. Included in Platinum, Gold, and select Silver plans
2. Applies when you’re outside the UAE or more than 120 km away from home
3. Services must be arranged by Assist America directly (you cannot claim reimbursements later if you didn’t inform them first)

How to Contact Assist America?

Details are available in your — 

1. ADNIC welcome kit
2. Medical Guidebook
3. Insurance card or policy documents (if eligible)

Frequently Asked Questions (FAQs)

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