Insurance & Payment Options

At Drs. Nicolas & Asp centers, we accept most of the major insurance companies’ cards on a direct billing basis; which includes all approved Medical and Dental services. However, where no direct settlement facility is available, all patients will be assisted in processing the required documentation to submit their claims.

We have direct billing agreements with the following insurance companies, Third Party Administrators and Corporate Partners, noting that terms and conditions might apply to certain policies..

For all Insurance related enquiries, kindly visit our Enquiry page

Aetna Global Benefits

Dental Services

  • ALL CARDS

Medical Services

  • International Healthcare Plan (IHP)
  • Healthy Aesentials: Gold, Pearl & Silver
  • Pioneer & Summit Plans: Tiers 1,2,3

Note:

  •  There should be Direct Billing/Direct Settlement mentioned on those card types.
  • All cards starting with “W”

Al Khazna

Dental Services

  • Pay & Claim

Medical Services

  • Premium
  • Premium Plus

ALMADALLAH

Dental Services

  • ALL CARDS EXCEPT GOVERNMENT AND DUBAI POLICE

Medical Services

  • GN+ (General Network Plus) Except Government and Dubai Police
  • GN (General Network) Except Government and Dubai Police

AXA Insurance (Gulf)

Dental Services

  • ALL CARDS

Medical Services

  • Star
  • Star SEHA
  • Star Plus
  • AXA 1
  • AXA 2
  • AXA 3

AXA PPP

Dental Services

  • All card members need a ‘referral letter’ or ‘Guarantee of Payment (GOP) letter’ from AXA PPP along with membership card

Medical Services

  • All their members having ‘referral letter’ or ‘Guarantee of Payment (GOP) letter’ from AXA PPP along with membership card

Bupa International – Oman Insurance

Dental Services

    ALL CARDS

Note:

  • Direct Billing and OP: Out Patient must be mentioned on the card.
  • Oman Insurance Company OIC/BUPA: Following services will be on reimbursement basis: vaccination, wellness check up and dental services

Medical Services

  • Elite Network
  • Premium Network
  • Oman Insurance Company OIC/BUPA
  • Cards with a note “Drs. Nicolas & Asp Center” on card

Note:

  • For Premium networks: Direct Billing and OP: Out-Patient must be mentioned on the card.
  • Oman Insurance Company OIC/BUPA: Following services will be on reimbursement basis: vaccination, wellness checkup and dental services

CEGA GROUP MEDICAL SERVICES

Dental Services

  • All their members having ‘referral letter’ or ‘Guarantee of Payment (GOP) letter’ from CEGA

Medical Services

  • All their members having ‘referral letter’ or ‘Guarantee of Payment (GOP) letter’ from CEGA

Cigna International

Dental Services

  • silver and white cards

Subject to Eligibility check in CIGNA ENVOY

Medical Services

  • silver and white cards

Connex Assistance & Middle East & Africa

Dental Services

  •  Eligibility for direct billing will be determined by the ‘referral form’ provided by Conex Assistance as they do not have cards.

Medical Services

  • Eligibility for direct billing will be determined by the ‘referral form’ provided by Conex Assistance as they do not have cards.

Euro Center

Dental Services

  • All cards are accepted on direct billing given that the patient is having a ‘referral form’ or Guarantee of Payment (GOP) from Euro Center

 

Medical Services

  • No Direct Billing

Geo Blue

Dental Services

  • All cards are accepted on direct billing given that the patient is having a ‘referral form’ or Guarantee of Payment (GOP) from Geo Blue.

Medical Services

  • All cards are accepted on direct billing given that the patient is having a ‘referral form’ or Guarantee of Payment (GOP) from Geo Blue.

Gulf Agency Company

Dental Services

  • Eligibility for direct billing will be determined by the ‘referral form’ provided by Gulf Agency Company as they do not have cards.

Medical Services

  • Eligibility for direct billing will be determined by the ‘referral form’ provided by Gulf Agency Company as they do not have cards

Henner Group (GMC)

Dental Services

  • All groups of beneficiaries with Henner and/or GMC logos

Note:

  • All cards are accepted on direct billing given that the patient is having a Guarantee of Payment (GOP) from Henner Group (GMC)

Medical Services

  • All groups of beneficiaries with Henner and/or GMC logos

Note:

  • All cards are accepted on direct billing given that the patient is having a Guarantee of Payment (GOP) from Henner Group (GMC)

HTH worldwide

Dental Services

  • All cards are accepted on direct billing given that the patient is having a referral form or Guarantee of Payment (GOP) from HTH worldwide.

Medical Services

  • All cards are accepted on direct billing given that the patient is having a referral form or Guarantee of Payment (GOP) from HTH worldwide.

International SOS

Dental Services

  • All cards are accepted on direct billing given that the patient is having a referral form or Guarantee of Payment (GOP) from International SOS.

Medical Services

  • All cards are accepted on direct billing given that the patient is having a referral form or Guarantee of Payment (GOP) from International SOS.

Marm

Dental Services

  • All cards are accepted on direct billing given that the patient is having a ‘referral form’ or Guarantee of Payment (GOP) from MARM.

Medical Services

  • All cards are accepted on direct billing given that the patient is having a ‘referral form’ or Guarantee of Payment (GOP) from MARM.

MedNet

Dental Services

  • ALL CARDS

Medical Services

  • Gold
  • Silver Premium

Metlife Alico

Dental Services

  • ALL CARDS

Medical Services

  • VIP
  • Gold
  • Sliver

MSH

Dental Services

  • ALL CARDS

Medical Services

  • Comprehensive Network
  • Platinum Network
  • Additional Companies cards that are accepted – Schlumberger, Previnter, ASFE, European

NAS

Dental Services

  • Accepted Cards under:
  • Methaq Takaful
  • Orient Insurance
  • Tokio Marine
  • Dubai Insurance

Medical Services

  • All NAS cards having CN IN & OUT,EN IN & OUT,GN IN & OUT

Neuron

Dental Services

  • Accepted Cards under:
  • Cigna
  • Aetna/ Al Ain Ahlia
  • PCFC
  • Dubai Insurance
  • Orient Insurance
  • Tokio Marine
  • Methaq Takaful
  • RTA
  • Dubai Government – Program 1 (ENAYA)
  • Dubai Government – Program 1 (SAADA)
  • DEWA
  • Emarat

Medical Services

Note:

  • All cards except under:
  • Enaya
  • Saada
  • Empower
  • Emarat

Nextcare

Dental Services

  • ALL CARDS

Medical Services

  • GN+ (General Network Plus)
  • GN (General Network)

Applicable only to group :

  • Prime Minister’s Office & NGI

NGI-HealthNet

Dental Services

  • All Cards

Medical Services

  • HN Exclusive
  • HN premier                                                                                                                                                                              Total treatment cost above AED 750.00 (excluding consultation) requires pre-approval.

 

 

Now Health International

Dental Services

  • All cards with a note “Drs. Nicolas & Asp Center” on card

Medical Services

  • ALL CARDS

Oman Insurance Company

Dental Services

  • ALL CARDS

 

Medical Services

  • Elite Network
  • Premium Network
  • Cards with a note “Drs. Nicolas & Asp Center” on card

Prestige International

Dental Services

  • All cards are accepted on direct billing given that the patient is having a referral form or Guarantee of Payment (GOP) from Prestige International.

Medical Services

SAICO (Saudi Arabian Insurance Company)

Dental Services

  • ALL CARDS

Medical Services

  • Gold Cards

Seven Corners International

Dental Services

  • All categories (Cards) are accepted

Note:

  •  All cards are accepted on direct billing given that the patient is having a Guarantee of Payment (GOP) from Seven Corners International.

Medical Services

Payment Options

For our patients' convenience, we have partnered with all major banks to offer 0% Interest Installment Plans. You can pay on 3, 6 or 12 months installments.