Health insurance for a residence visa in Abu Dhabi, Know the benefits of having health insurance for Abu Dhabi residence , and the various health insurance options available for residents.
Daman health insurance, also referred to as the National Health Insurance Company, offers all-inclusive medical solutions to UAE residents. Apart from comprehensive coverage in health insurance plans, it also provides an extensive network, worldwide coverage and excellent service to its ...read more
The National Health Insurance Company, also known as daman health insurance 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 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 best 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.
Following are the main features and benefits of the plans offered by National Health Insurance Company Daman:
Here are the Top Daman Medical Insurance Plans in Dubai, UAE for 2022:
|PLAN NAME||MEDICAL COVER||PHARMACY LIMIT||Price|
|Care Bronze DNE without Dental||AED 500,000||Up to AED 10,000|
|Care Bronze DNE with Dental||AED 500,000||Up to AED 10,000|
|View More Plans >>>|
Territorial Cover – UAE and Asia; emergency cover – Worldwide (except the USA and Canada)
Maternity Cover - Maximum Annual limit of AED 150,000
Territorial Limit – Worldwide Cover except for the USA and Canada for emergency cover; UAE and Asia
Pre-existing Conditions – Covered up to AED 150,000
Inpatient Treatment –
Maternity Cover - Maximum Annual limit of AED 150,000
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:
Daman Health Insurance Company offers ‘Individual Insurance’ to provide comprehensive coverage to the policyholders and their loved ones.
National Health Insurance Company Daman 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.
Large Group Business
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 National Health Insurance Company Daman:
|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.
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:
The renewal process for 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.
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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.
There are 5 types of inclusions under the Daman health insurance policy and they are as follows:
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.
The insured can avail of worldwide coverage.
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