Daman Health Insurance

Daman Health Insurance

Overview

The National Health Insurance Company, also known as Daman was established in the year 2006. It is one of the UAE’s leading health insurers, offering comprehensive medical insurance solutions to approximately 3 million members across the UAE.

Daman Health Insurance Company is basically a public joint-stock company which is 80 percent owned by the government of Abu Dhabi with the remaining 20 percent owned by Munich Re. Daman National Health Insurance Company, a pioneer in health insurance drives innovation through an ultimate combination of healthcare-related expertise & state-of-the-art technology offered by a highly skilled workforce. The company offers a range of unique programs including disease & case management programs that are unmatched in the UAE.

In short, Daman Health Insurance Company has remarkably set high standards in the medical insurance industry. Also, it has received a number of internationally recognized awards & quality-focused certifications within just a short span of time.

Features & Benefits of Daman Health Insurance

Following are the main features and benefits of the plans offered by Daman Health Insurance Company:

  1. Comprehensive Coverage: The Company offers comprehensive coverage to its policyholder so as to meet their basic insurance needs.
  2. Excellent Service: Daman Health Insurance Company ensures to provide excellent service 24x7, and 365 days a year to its policyholder.
  3. Scope of Coverage: Insured gets the worldwide coverage.
  4. Large Network: The Company holds the largest network of more than two thousands health providers throughout the UAE.

Daman Health Insurance Plans

Daman Health Insurance basically offers two types of medical insurance plans to suits the insurance needs of the policyholder. Following are the plans offered by Daman Medical Insurance:

Individual Insurance

Daman Health Insurance Company offers ‘Individual Insurance’ to provide comprehensive coverage to the policyholders and their loved ones.

Domestic Help

  1. It offers EBP Plus plan.
  2. This plan offered by Daman National Health Insurance Company offers vital health insurance coverage to the policyholder.
  3. It is an affordable health insurance plan for those members whose monthly income is low as determined by regulatory authorities.
  4. The company ensures to provide excellent service 24x7, and 365 days a year.
  5. This Daman medical insurance plan starts from as low as 615 AED per year.

My Family

  1. It offers Care Essential Plan, Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
  2. These are local medical insurance plans with options for plenty of worldwide benefits.
  3. The policyholder gets the access to the large network of more than two thousands hospitals, pharmacies, and clinics throughout the UAE.
  4. Daman National Health Insurance Company ensures to provide excellent service 24x7, and 365 days a year.
  5. These plans starting from as low as 800 AED per year.

Myself

  1. It offers Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
  2. These comprehensive health insurance plans come with optional worldwide coverage.
  3. These Daman Health Insurance plans include second medical opinion service & international assistance.
  4. The policyholder gets access to the large network of more than two thousands healthcare providers throughout the UAE.
  5. It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.

Business Insurance

Daman National Health Insurance Company offers ‘Business Insurance’ to those individuals who are looking for health coverage for their employees. No matter what business type, Daman Health Insurance Company offers health insurance plans suiting the size as well as the location of the company.

Small Group Business

  1. It offers EBP Plus plan.
  2. These health insurance plans are suitable for groups of a maximum of 10 employees (and their dependents).
  3. This Daman Health Insurance plan includes second medical opinion service & international assistance.
  4. It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.
  5. This comprehensive health insurance plan comes with optional worldwide coverage.
  6. These plans starting from as low as 615 AED per year.

Large Group Business

  1. It offers Enhanced Bronze Plan, Enhanced Silver Plan, Enhanced Gold Plan, Enhanced Platinum Plan, & Premier Plan.
  2. These are the tailor-made health insurance plans for companies with 10 plus employees (and their dependents).
  3. These plans starting from as low as 615 AED per year.
  4. The policyholder gets access to the large network of more than two thousands local as well as international healthcare providers.
  5. It offers the disease management program.
  6. The policyholder can get support access throughout the day & throughout the week.

Daman Health Insurance Inclusions

Below specified are the inclusions of ‘Individual Insurance’ plans offered by Daman Health Insurance:

Domestic Help
  • In-patient Cover
  • Out-patient Cover
  • Emergency Services
  • Pharmaceuticals
My Family 
  • In-patient Cover
  • Out-patient Cover
  • Maternity Benefits
  • Emergency Services
  • Pharmaceuticals
Myself 
  • In-patient Cover
  • Out-patient Cover
  • Maternity Benefits
  • Emergency Services
  • Pharmaceuticals

Following are the inclusions of ‘Business Insurance’ Plans by Daman Health Insurance Company:

Small Group Business 
  • In-patient Cover
  • Out-patient Cover
  • Maternity Benefits
  • Pharmaceuticals
  • Emergency Services
Large Group Business 
  • Pre-Existing Medical Condition Cover
  • Chronic Condition Cover
  • Pharmaceuticals
  • Out-patient Cover

Note: Whatever not included in the inclusions would be considered as exclusion.

Frequently Asked Questions

Q.1. Why do I need to opt for health insurance?

Ans: Medical emergencies come un-announced and the cost of healthcare treatment can be enormous. In the absence of health insurance, these medical expenses can burn a hole in your pocket. A health insurance cover offers much-needed financial assistance in an event of emergencies, and ensures that you can avail various healthcare services & facilities in times of need without worrying about the medical expenses.

Q.2. Enlist some of the most important inclusion under Daman health insurance policy?

Ans: There are 5 types of inclusions under Daman health insurance policy and they are as follows:

  1. Pre-existing medical conditions
  2. Out-patient benefits
  3. Pharmaceuticals
  4. Emergency Services
  5. Maternity Benefits

Q.3. Can any medical claim be refused or rejected?

Ans: Yes, the medical claim which is not covered under the Daman health insurance policy conditions can be rejected or refused. However, claims are mostly rejected because of the missing information or billing errors.

Q.4. What is the scope of coverage?

Ans: The insured can avail worldwide coverage.

Q.5. What factors will affect the cost of my health insurance premium?

Ans: The health insurance premium is basically determined by several factors that can increase or decrease the premium of your health insurance. Generally, your age, current health, and medical history are the most important factors that insurer mainly consider to decide your health insurance premium. However, claims-free years can also be a factor in determining the health insurance premium as it might benefit you with a certain percentage of the discount.