# New Flexible Insurance Option for Entrepreneurs and Investors **Published:** 2023-03-28T13:31:54.246Z **Updated:** 2026-08-13T13:02:10.140Z **Author:** Mousree Das **Reviewer:** Toshita Chauhan **Original Url:** https://www.policybazaar.ae/health-insurance/articles/flexible-health-insurance-for-expat-investors-and-entrepreneurs/ **We are Rated:** 4.7/5 **Review Count:** 44,602 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7) **Trusted Customers:** 2 Million+ **Insurance Partners:** 35+ **Policies Sold:** 1 Million+ Don’t gamble with your health, get the right cover at the right price. Regulatory credentials Licensed by the Central Bank of the UAE **([Registration No. 123](https://cdn.policybazaar.ae/pbuae/images/IA-License-Renewal-2026.pdf))** DHA Health Insurance Intermediary **Permit No.** [BRK-00041](https://www.isahd.ae/Home/PermittedIntermediaries) Emirates Insurance Federation **Membership No.** [B81](https://static.pbcdn.ae/pbuae/images/Policybazaar-Middle-East-Insurance-Brokers-LLC.pdf) Information on this page is for general guidance only - not personalised financial or medical advice. Healthcare is a priority for every entrepreneur and investor in the UAE. However, finding affordable and practical coverage can be tricky. The Flexi Health Insurance Plan is designed to solve this challenge. It offers essential benefits, emergency coverage, and maternity care at a fixed premium. With its balance of cost and coverage, it’s a smart choice for business owners, freelancers, and investors looking for smart health protection. ## What is a Flexible Insurance Option for Entrepreneurs and Investors? The Flexi Health Insurance Plan by Daman Insurance is a smart health cover. It’s for those who need both affordability and essential protection. This plan is especially useful for entrepreneurs, freelancers, and investors in the UAE who may not have access to employer’s medical insurance. This plan focuses on the basics that matter most — inpatient and outpatient care, emergency treatment anywhere in the UAE, and maternity benefits — all within a clear annual limit. By removing unnecessary extras, Daman has kept the premium affordable while still offering access to a wide network of clinics, primary healthcare centres, and hospitals for emergencies. ## Related Health Insurance [Family Health Insurance](https://www.policybazaar.ae/family-health-insurance-hic/) [Senior Citizen Health Insurance](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) [Critical Illness Health Insurance](https://www.policybazaar.ae/critical-illness-health-insurance-hic/) [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) [Private Medical Insurance](https://www.policybazaar.ae/health-insurance/private-medical-insurance/) ## Who Can Apply for Flexi Health Insurance Option? The Flexi Health Insurance Plan is available for Abu Dhabi visa holders who meet the Department of Health’s eligibility guidelines. It’s for people who are not already covered under an employer’s health insurance policy, whether government or private. You can apply if you fall into one of these categories — 1. Private sector expatriates living in Abu Dhabi with a monthly income of more than AED 5,000 2. Investors and free enterprise license holders, along with their families and employees 3. Family members of a resident expat: such as spouse, children, or parents — who are not covered by the sponsor’s employer insurance 4. Specific cases like — * Investor or partner in a business * Freelancer or free enterprise visa holder * Golden Visa holder (under investor status) * Fourth child in the family * Dependent children over 18 * Full-time university students * Dependent parents One important note: retirement visa holders are not eligible for this plan. Also, to enroll dependents, the sponsor’s salary must be above AED 5,000. ## Network Coverage and How It Works With the Flexi Health Insurance Plan, your choice of where you get treated matters. The plan works with a specific network of healthcare providers. Let’s understand how it’s set up to help you avoid unexpected costs. 1. **Network Clinics and Primary Healthcare Centres (PHC)** These are your first point of contact for outpatient care and general medical needs. You can see a general practitioner (GP) here without any special steps. 2. **Specialists and Consultants** You can only visit a specialist if a GP refers you from a network clinic or PHC. The GP will make the referral through Daman’s electronic system, including the reason for the referral. Without this step, specialist treatment won’t be covered. 3. **Network Hospitals** Hospitals in the network mainly handle inpatient and emergency cases. Outpatient services at hospitals are not covered unless your GP refers you there for services not available in clinics or PHCs. 4. **Non-Network Providers** These are not part of Daman’s Flexi network. Treatment here is not covered unless it’s an emergency. In emergencies, you can be treated anywhere in the UAE and claim reimbursement afterwards. ## Inclusions of Flexi Health Insurance Some of the key coverages provided by Flexi Health Insurance are as follows — | Benefit | Coverage Details | Coverage Limit / Notes | | --- | --- | --- | | Annual Benefit Limit | Overall maximum coverage per policy year | AED 150,000 per person | | Territorial Limit | Main coverage area | Emirate of Abu Dhabi | | Emergency Cover | Within UAE (outside Abu Dhabi) | 100% covered, reimbursement basis | | Inpatient & Day Treatment | Hospital stay, surgeries, and pre and post-hospital treatment | Up to annual limit
80% covered in-network (Out-of-pocket limit AED 500 per encounter, AED 1,000 annual aggregate) | | Accommodation Type | General room (2+ beds) | 80% covered | | Hospital Services & Accommodation | Includes necessary medical services during stay | 80% covered | | Fees for Consultants, Surgeons, and Anesthetists | For approved procedures | 80% covered | | Ambulance (Medical Emergency) | Road ambulance transport | 100% covered in-network and non-network | | Parent Accommodation | For child under 16 years | Max AED 100/day, 80% covered | | Companion Accommodation | If medically necessary | Max AED 100/day, 80% covered | | GP Consultation (Outpatient) | At network clinics/PHC | 80% covered | | Specialist Consultation (Outpatient) | Requires GP referral from network provider | 100% covered | | Diagnostics & Laboratory | X-ray, MRI, CT Scan, Ultrasound, Endoscopy (with pre-authorisation) | 80% covered | | Pharmaceuticals | Basic formulary drugs only | 70% covered, AED 1,500 annual limit (inclusive of coinsurance) | | Physiotherapy | Network providers only | 80% covered, max 6 sessions/year | | Vaccines & Immunizations | Essential vaccinations as per MOHAP policy | 80% covered, reimbursement basis | | Maternity – Inpatient | Normal delivery | AED 7,000 (90% covered in-network) | | | C-section, complications, and medically-necessary termination | AED 10,000 (90% covered in-network) | | | Newborn care | Up to 30 days from birth (includes BCG, Hep B, neonatal screening) | | Maternity – Outpatient | Antenatal care | 90% covered, includes 8 PHC visits, tests and care by obstetrician (low-risk) or specialist (high-risk) | | Emergency Dental & Gum Treatment | Only for medical emergencies | 80% covered in-network and non-network | | Emergency Hearing & Vision Aids, Correction Surgery | Only for medical emergencies | 80% covered in-network and non-network | | Pre-existing Conditions | Covered if declared | 6-month waiting period for inpatient treatment of listed conditions — no waiting if uninterrupted prior coverage | ## Exclusions of Flexi Health Insurance Check out the common exclusions of Flexi health insurance in the UAE — 1. Outpatient treatment in network hospitals without GP referral 2. Non-basic formulary drugs 3. Dental, gum, hearing, or vision treatments unless due to a medical emergency 4. Any services not listed in the Schedule of Benefits 5. Pre-existing conditions not declared in the application form 6. Elective treatment outside Abu Dhabi (except covered emergencies) 7. Coverage for retirement visa holders ## Claim Process of Flexi Health Insurance Daman has made the Flexi Health Insurance claim process simple. This holds true whether you’re using direct billing at a network provider or claiming reimbursement for an emergency at a non-network facility. 1. **Using Network Providers (Direct Billing)** * Visit a clinic, primary healthcare centre, or hospital in the Flexi network * Present your Daman insurance card at reception * Pay only your share (coinsurance or any applicable limits) — the rest is billed directly to Daman 2. **Emergency at Non-Network Providers (Reimbursement)** * Seek treatment immediately — no pre-approval is needed for emergencies * Inform Daman within 24 hours of admission * Pay the medical bill in full at the hospital or clinic * Submit a reimbursement claim with — * Original invoices and receipts * Medical reports and discharge summary * Your insurance card details * Daman processes and reimburses as per the policy coverage and limits 3. **Pre-Authorisation for Certain Treatments** * Non-emergency hospitalisation, some outpatient procedures, maternity care, and specialised diagnostics require pre-approval from Daman * Your network provider will handle the approval request through the Daman system ## Role of Policybazaar.ae in Finding the Right Health Insurance in the UAE Finding the right medical insurance in the UAE can be tricky. There are many plans to choose from, each with its own set of rules, limits, and costs. Policybazaar.ae helps make this process much easier. On the website, you can view and compare different health insurance plans from top providers. You can find all the important details — like what’s covered, benefit limits, and exclusions — side by side. This way, you can clearly see the differences and make an informed choice. Policybazaar.ae also has a team that can guide you through the small details, such as how pre-existing conditions are handled, what maternity benefits include, and what coinsurance really means for your budget. For business owners, investors, and freelancers, it’s a quick and easy way to choose a policy that offers good protection without paying for benefits you don’t need. ### **Health Insurance Popular Searches** [Medical Insurance Dubai](https://www.policybazaar.ae/health-insurance/) | [Dubai Health Insurance Cost](https://www.policybazaar.ae/health-insurance/medical-insurance/) | [Health Insurance for Kids](https://www.policybazaar.ae/health-insurance-for-kids-hiart/) | [Health Insurance Plans for Family](https://www.policybazaar.ae/family-health-insurance-hic/) | [Dental Insurance](https://www.policybazaar.ae/health-insurance/articles/dental-insurance-in-uae/) | [Individual Health Insurance](https://www.policybazaar.ae/individual-health-insurance-hic/) | [Health Insurance Abu Dhabi](https://www.policybazaar.ae/health-insurance-abu-dhabi/) | [Medical Insurance Sharjah](https://www.policybazaar.ae/health-insurance/health-insurance-in-sharjah/) | [How to check Medical Insurance status with Emirates ID](https://www.policybazaar.ae/how-to-check-medical-insurance-status-with-emirates-id-hiart/) | [Best Medical Insurance in UAE](https://www.policybazaar.ae/top-10-health-insurance-companies-in-uae-hiart/) | [Health Insurance for Parents](https://www.policybazaar.ae/senior-citizen-health-insurance-hic/) | [Maternity Insurance UAE](https://www.policybazaar.ae/health-insurance/articles/maternity-insurance-in-uae/) ### **Other Insurance Product** [Car Insurance Online](https://www.policybazaar.ae/car-insurance/) | [How to Check Car Insurance Status Online](https://www.policybazaar.ae/how-to-check-car-insurance-status-online-for-your-policy-ciart/) | [Car Insurance Abu Dhabi](https://www.policybazaar.ae/car-insurance-abu-dhabi/) | [Schengen Travel insurance](https://www.policybazaar.ae/schengen-travel-insurance-tic/) | [Travel Insurance](https://www.policybazaar.ae/travel-insurance/) | [Term insurance UAE](https://www.policybazaar.ae/term-insurance/) | [Life insurance UAE](https://www.policybazaar.ae/life-insurance/) | [Best Term insurance For NRI](https://www.policybazaar.ae/best-term-insurance-plans-for-nri-in-uae-trmart/) | [Investment Plans UAE](https://www.policybazaar.ae/investment-plans/) | [Best Mutual Funds UAE](https://www.policybazaar.ae/top-10-best-mutual-funds-in-uae-to-invest-ipart/) | [5 SIP Plans in UAE](https://www.policybazaar.ae/top-5-sip-plans-for-investment-in-uae-ipart/) | [SIP investment in UAE](https://www.policybazaar.ae/investment-plans/sip-investment/) | [Group Medical Insurance](https://www.policybazaar.ae/group-health-insurance-hic/) | [Home Insurance Dubai](https://www.policybazaar.ae/home-insurance/) | [Professional Indemnity Insurance](https://www.policybazaar.ae/business-insurance/professional-indemnity/) | [Workmen Compensation Insurance](https://www.policybazaar.ae/business-insurance/workers-compensation-insurance/) ### Can I buy the Flexi Health Insurance Plan if I already have another Daman plan? Yes, you can switch to the Flexi Health Insurance Plan at the time of renewal. This is possible as long as you meet the eligibility rules. Note that your application will still go through medical underwriting. ### Is the premium the same for all ages? For standard risks, the premium is usually the same for all ages and genders. If you have higher medical risks, the premium may be higher after medical review. ### Are medical tests required to get a Flexi health insurance plan? Not always. Medical reports are required for members aged 61 or above and newborns up to 6 months. They are also required if Daman specifically asks for them. ### Can I get treatment outside Abu Dhabi? Yes, but only for emergencies. Non-emergency care outside Abu Dhabi is not covered. ### Are dental or vision services included in Flexi health insurance plan? Dental and vision services are only covered in emergencies. Routine dental work, gum treatment, hearing aids, or vision correction are not included. ### Can I cancel my policy and get a refund? No. There are no refunds if you cancel your policy or remove a member. ### Do I need pre-approval for all treatments under Flexi health insurance? Not for emergencies. 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