Daman Health Insurance Dubai

Don’t gamble with your health, get the right cover at the right price.

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Buying health insurance for?
  • Self/Family
  • Domestic Workers
  • Investor

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 National Health Insurance Company is basically a public joint-stock company that 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.

Best Daman Health Insurance Plans in the UAE

Here are the Top Daman Medical Insurance Plans in Dubai, UAE for 2021:

Plan Name Annual benefit limit (AED) Healthcare providers Price
Smart Chrome 1,60,000 464
Smart Silver 3,00,000 1902
Smart Gold 25,00,000 1971
Premier DNE 2,00,00,000 2156
View More Plans >>>

Features & Benefits of Daman Medical Insurance

Following are the main features and benefits of the plans offered by Daman National 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 worldwide coverage.
  4. Large Network: The Company holds the largest network of more than two thousand 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 access to a large network of more than two thousand 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 a large network of more than two thousand healthcare providers throughout the UAE.
  5. It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.

Madeed

  1. A retirement insurance plan that is made especially for people with retirement visas or who are 55 years of age or older.
  2. It comes with three choices – Bronze, Silver, and Gold plans. Bronze is a regional plan, Silver is a worldwide coverage plan excluding the USA and Canada and Gold is a worldwide coverage plan including USA and Canada.
  3. This Daman health insurance plan includes emergency coverage, outpatient benefits, and services, pharmaceuticals as well as pre-existing conditions.
  4. Dental and optical care can be included as an add-on.
  5. The plan also covers annual cancer and Hepatitis C screenings.

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 an 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 a 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 a large network of more than two thousand local as well as international healthcare providers.
  5. It offers a 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 My Family Myself Madeed
Single Plan Option 5 different plans to choose from 4 different plans to choose from 3 choices among under the plan
In-patient and Out-patient covers In-patient and Out-patient covers In-patient and Out-patient covers In-patient and complete out-patient benefit covers
Approximately 230 Healthcare providers Up to 2156 healthcare providers Up to 2156 healthcare providers A dedicated network of healthcare providers for each plan choice
Regional Plan Both regional and Worldwide coverage plans Regional as well as worldwide plans available Regional as well as worldwide plans available
Emergency Coverage within UAE Emergency Cover – both regional and worldwide (as per plan choice) Both regional and worldwide emergency coverage (as per plan choice) Both regional and worldwide emergency coverage (as per plan choice)
Pharmaceutical Cover Pharmaceutical Cover Pharmaceutical Cover Pharmaceutical Cover
Pre-existing condition cover with 6 month waiting period Pre-existing condition cover (differs as per plan choice) Pre-existing condition cover in all 4 options Pre-existing condition cover in all 3 options
- Optional Dental and Optical Cover (as per plan choice) Optional Dental and Optical Cover in all plans (pre-included in Premium DNE plan option) Optional Dental and Optical Cover in all plan choices

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

Small Group Business Large Group Business
Essential benefits single plan 7 kinds of plans to choose from
230 healthcare providers Up to 2156health care providers
For businesses with 10 employees or less For businesses with more than 10 employees
Covers dependents of the employees as well Covers dependents of the employees as well
UAE only coverage Regional as well as worldwide coverage
In-patient as well as out-patient benefits cover In-patient as well as out-patient benefits cover
Maternity and emergency services covers Maternity and emergency services covers
Pre-existing conditions cover (with 6 months waiting for new insurers) Full covered pre-existing conditions (except basic Abu Dhabi plan)
Pharmaceutical Cover (partial) Pharmaceutical cover (partial and full as per plan choice)
- Dental and Optical Cover (as per plan choice)

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

Documents Required to Get Daman Health Insurance

The documents required to get enrolled with Daman Health Insurance may differ slightly as per the plan that you go with. However, there is a basic list of documents that will be required for every single plan, no matter which one you opt for. The list is as follows:

  • Copy of valid passport of the applicant (sponsor and dependents in case of business plans) 
  • Copy of Emirates ID
  • Medical examination document (for applicants and dependents above 60 years of age)
  • Sponsor passport for ex-pats sponsors.
  • Certificate of Continuity (in case of involvement with another health insurance)

Additional Documents for Business Plans:

  • Trade license of the company
  • Power of Attorney
  • Health Insurance Card of the investor(s)
  • List of total employees
  • Salary Certificates and Details of the Employees to be Insured
  • Group Application Form – Filled out and Signed
  • Letter of Application – Signed and Stamped

Daman Health Insurance Renewal Process

The renewal process for Daman health insurance plans is a rather easy one. You can quickly get done with the process online using your ‘my daman’ account. Locate the renewal portal on the Daman Health Insurance website and proceed with the renewal. You will need your policy number and a few basic personal details to do so. The account log is available to be accessed from mobiles as well. You can also choose to visit the nearest branch of Daman Health Insurance in your area to submit your renewal request. Apart from the basic documents like insurance coverage document, Emirates ID, passport, and visa, there may be some additional requirements as per your plans.

Daman Health Insurance FAQ's

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

Ans: Medical emergencies come unannounced 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 of various healthcare services & facilities in times of need without worrying about medical expenses.

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

Ans: There are 5 types of inclusions under the 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 missing information or billing errors.

Q.4. What is the scope of coverage?

Ans: The insured can avail of 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.