New Flexible Insurance Option for Entrepreneurs and Investors

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Written ByMousree DasSenior Content Writer (Expertise - Health and Travel Insurance)

Reviewed ByToshita ChauhanBusiness Head - General Insurance

Last updated on 27 November 2025Editorial Standards

Regulatory credentials

Licensed by the Central Bank of the UAE (Registration No. 123)

DHA Health Insurance Intermediary Permit No. BRK-00041

Emirates Insurance Federation Membership No. B81

Information on this page is for general guidance only - not personalised financial or medical advice.

Health Insurance UAE Plans

Full Access

Dubai Insurance

Plan NameValue N4 (Remnto)

Medical Cover (AED)250,000

Starting FromAED 2,114/Yearly

NetworkDubai Care

Full Access

Cigna

Plan NameHealthguard Regional

Medical Cover (AED)2,750,000

Starting FromAED 11,634/Yearly

NetworkGeneral

Full Access

GIG Gulf (Previously AXA)

Plan NameGlobal

Medical Cover (AED)7,500,000

NetworkIn-house A1

GP Clinic

Takaful Emarat

Plan NameECARE BLUE

Medical Cover (AED)150,000

Starting FromAED 1,209/Yearly

NetworkE CARE Blue

Specialist Clinic

Orient Takaful Insurance

Plan NamePlan 5

Medical Cover (AED)1,000,000

Starting FromAED 1,561/Yearly

NetworkNEXTCARE RN3

Plans shown as per selected filters. T&Cs apply

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.

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 —

Private sector expatriates living in Abu Dhabi with a monthly income of more than AED 5,000
Investors and free enterprise license holders, along with their families and employees
Family members of a resident expat: such as spouse, children, or parents — who are not covered by the sponsor’s employer insurance
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.

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.
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.
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.
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 —

Outpatient treatment in network hospitals without GP referral
Non-basic formulary drugs
Dental, gum, hearing, or vision treatments unless due to a medical emergency
Any services not listed in the Schedule of Benefits
Pre-existing conditions not declared in the application form
Elective treatment outside Abu Dhabi (except covered emergencies)
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.

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
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
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.

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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.

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.

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.

Yes, but only for emergencies. Non-emergency care outside Abu Dhabi is not covered.

Dental and vision services are only covered in emergencies. Routine dental work, gum treatment, hearing aids, or vision correction are not included.

No. There are no refunds if you cancel your policy or remove a member.

Not for emergencies. But for non-emergency hospital stays, some outpatient procedures, maternity care, and specialised scans, you will need pre-approval from Daman.

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