Daman Individual Health Insurance

Daman Individual Health Insurance plan is tailored to assist you in getting over medical exigencies without draining your savings. As a leading health insurance provider, Daman keeps the customers' well-being at the centre and offers affordable and comprehensive health insurance plans.

All the UAE residents are eligible for this plan. Besides getting comprehensive coverage, policyholders can also make the most of the extensive network, top-notch services, and global coverage. There are different plans made for retired individuals, domestic helpers, etc. Also, the availability of the Daman application makes the application process, tracking, and claiming compensation seamless.

Types of Daman Individual Health Insurance Plan

Mentioned below are the different health plans that Daman Health Insurance offers to customers:

For the policyholder	Core advantages like maternity, inpatient, outpatient, and other emergency services under the plan. Optional comprehensive plans that include worldwide coverage. Flexibility to include optional benefit modules and customise the plan as per requirements. Get access to more than 3000 healthcare providers in the UAE.
For domestic help	Health insurance plans for lower-income individuals. Benefits and coverage amount pre-determined by the regulatory authorities. Starts from AED 600 per year. Get access to inpatient, outpatient, and emergency services.

Here are some of the other lucrative offerings under Daman's individual health insurance plan:

Alami - My World	Outbound travel emergency health insurance plan. Emergency inpatient case management. Coverage for COVID-19 treatment and hospitalisation Emergency day treatments. Assistance with prescription medicine. Emergency inpatient care. Emergency hospital accommodation. 24/7 emergency helpline. Multiple coverage plans available. Claim coverage for medical emergencies when outside the United Arab Emirates.
Ziyarah- Hello UAE	Inbound travel emergency health insurance plan Coverage for emergency inpatient care, emergency hospital accommodation, emergency day treatments, etc. Multiple coverage plans available. Coverage for treatment and hospitalisation expenses resulting from Covid-19 24/7 customer care helpline desk. All offerings mentioned under Alami extended.
Musafer	Outbound travel emergency health insurance meant for UAE nationals only. Designed for multiple trips up to 90 days. No co-payment required for getting coverage under the plan. No deductibles or co-insurance options under Musafer. Annual policy with 24/7 call centre support.
Madeed	Retirement insurance plan Easily accessible online claim process. Impeccable customer care support no matter where you are. Multiple elite plans for you and your family members. Choose from plans: Madeed Bronze, Madeed Silver, and Madeed Gold.
Golden Visa	Tailored offering for Golden Visa holders. Access over 2,500 medical service providers across the UAE. Coverage for regular health check-ups, treatments, physiotherapy sessions, alternative medicines, etc. Full compensation extended for optical and dental procedures. Advantage of accessing telemedicine services from their homes. Conveniently manage policies online through the Daman app. Plan options available as Core Silver, Enhanced Gold and Premier.
Top-up plans	Only for Thiqa members Access the largest coverage network including Northern Emirates, Dubai, and worldwide. 100% coverage on direct billing comprehensive plan get up to AED 20,000,000 of annual benefit limit 100% compensation on direct billing in both private and public facilities.
Flexi health insurance plan	Extended only to Abu Dhabi visa holders. Maximum annual benefit limit of AED 150,000 extended per year. Coverage for Outpatient treatment is given only in network Clinics. Emergency & inpatient treatments in network hospitals. Policyholders have to bear 20% of the co-payment for OP and IP treatment. 30% of coinsurance for pharmacy (maximum limit of AED 1500). For maternity, 10% of co-insurance is set with a maximum limit of AED 7000 for normal delivery and AED 1000 for caesarean delivery.

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Features and Benefits of Daman Individual Health Insurance Plan

Mentioned below are the compelling features and benefits of the Daman Individual Health Insurance Plan.

Comprehensive coverage: You will have comprehensive coverage and easily meet your insurance requirements.
Get additional benefits: you can request dental and optical coverage at the time of application. Also, under the SME plan, you have the upper hand to customise and choose benefits and coverage limits for each one of them.
Vast network: You can access more than 2,000 hospitals and clinics under the Daman Individual Health Insurance Plan.

Eligibility Criteria for Daman Individual Health Insurance

The eligibility criteria differ depending on the plan you have chosen under the Daman Individual Health Insurance Plan.

Plan Name	Plan Details
Madeed Plan	Must have a retirement visa generated by the GDRFA-Dubai (General Directorate of Residency and Foreigners Affairs). Minimum age must be 55 years (for the policy's principal member).
Ziyarah Health Insurance Plan	Can be availed by any individual who is planning to visit any Emirate in the United Arab Emirates on a visit visa. Visitors already in the country can buy the plan as well.

Daman Individual Health Insurance Inclusions

Mentioned below are the following inclusions of the varied plans under the Daman Individual Health Insurance.

Maternity cover
Outpatient and inpatient treatment
Emergency inpatient medical conditions
Under the Ziyarah plan, emergency hospitalisation treatment for Covid-19 is covered.
Pre-existing health condition
Medical check-up benefit

Daman Individual Health Insurance Exclusions

Here are some of the Daman Individual Health Insurance exclusions that you must know:

Under the Ziyarah plan, though you get compensation for in-patient treatment and emergency hospitalisation for COVID-19 treatment, certain services are excluded under the plan. No compensation is given for cases that do not require hospitalisation, if you are quarantined, for different types of tests related to Covid-19.
Also, compensation for pre-existing conditions is restricted only to medical emergencies. You will not be covered for treatment after your condition has been stabilised.

To know more about Daman individual health insurance plan, go through the following frequently asked questions section.

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Frequently Asked Questions

Ans: In order to be eligible for the Madeed plan, you must have a retirement visa, which is generated by the GDRFA-Dubai (General Directorate of Residency and Foreigners Affairs). Furthermore, your minimum age must be 55 years (if you are the policy's principal member).

Ans: No, you cannot renew the Ziyarah plan once it has expired. You have to buy a new plan.

Ans: The premium will differ as per the age and the plan that you have selected. You will get a clear idea of the coverage and premium from the Daman sales representative.