Daman Health Insurance - National Health Insurance Co (Daman)
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
4.6/5
24,259
Reviews
AED 1 million Health cover starting @4/Day
Self Only
Both Self and Family
Family without Self
Domestic Workers
Investor
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.
Features & Benefits of Daman Health Insurance
Following are the main features and benefits of the plans offered by National Health Insurance Company Daman:
- Comprehensive Coverage: The Company offers comprehensive coverage to its policyholder so as to meet their basic insurance needs.
- Excellent Service: Daman Health Insurance Company ensures to provide excellent service 24x7, and 365 days a year to its policyholder.
- Scope of Coverage: Insured gets worldwide coverage.
- Large Network: The Company holds the largest daman network hospital list of more than two thousand health providers throughout the UAE.
Best National Health Insurance Company Daman Plans in the UAE
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 >>> | |||
Features of Bronze DNE without Dental:
Territorial Cover – UAE and Asia; emergency cover – Worldwide (except the USA and Canada)
Network
- Within the UAE – Standard 3
- Outside the UAE – Arab World Asia 2
Maternity Cover - Maximum Annual limit of AED 150,000
- Within UAE – AED 25,000
- Outside UAE – AED 10,000
- Complications Coverage both within and outside UAE – AED 150,000
- Newborn care – 100% cover within network hospitals
- Outpatient Maternity – 90% covered
Inpatient Treatment
- Inpatient and Day Treatment
- Accommodation type – Private Room
- Ambulance Service
- Companion Accommodation – AED 100 per night
- Home Nursing – up to AED 200 per day for up to 40 days per person (per annum)
- 100% coverage for the fees of consultants, surgeons, and anaesthetists
Outpatient Treatment
- Physician Consultation
- Diagnostics related to X-ray, MRI, CT-Scan, Ultrasound, and more – 90% coverage
- Alternative Medicine and Chiropractic – up to AED 2,500 per person (once in a policy year)
- Physiotherapy – 15 sessions per person per policy year
Other Benefits
- Repatriation of Mortal Remains – Reimbursement of up to AED 5,000 per person
- Emergency treatment
- Circumcision healthcare services
- Preventive services
- Vaccinations
- Annual prostate cancer screening
- Colorectal cancer screening
- Cervical cancer screening
- Psychiatry and Mental Health service
Features of Bronze DNE with Dental
Territorial Limit – Worldwide Cover except for the USA and Canada for emergency cover; UAE and Asia
Network –
- Within the UAE – Standard 3
- Outside UAE – AW Asia 2
Pre-existing Conditions – Covered up to AED 150,000
Inpatient Treatment –
- Inpatient and Day Treatment
- Accommodation Type – Private Room
- Inpatient and Day Treatment
- Accommodation type – Private Room
- Ambulance Service
- Companion Accommodation – AED 100 per night
- Home Nursing – up to AED 200 per day for up to 40 days per person (per annum)
- 100% coverage for fees associated with surgeons, anaesthetists, and consultants
Outpatient Treatment
- Physician Consultation
- X-ray, MRI, CT-Scan, Ultrasound, and other diagnostics– 90% coverage
- Alternative Medicine and Chiropractic – up to AED 2,500 per person per policy year
- Physiotherapy – 15 sessions per person per policy year
Maternity Cover - Maximum Annual limit of AED 150,000
- Within UAE – AED 25,000
- Outside UAE – AED 10,000
- Coverage for complications both within and outside the UAE – AED 150,000
- Newborn care – 100% cover within the network hospital
- Outpatient Maternity – 90% covered
Other Benefits
- Repatriation of Mortal Remains – Reimbursement of up to AED 5,000 per person
- Emergency treatment
- Circumcision healthcare services
- Preventive services
- Vaccinations
- Annual prostate cancer screening
- Colorectal cancer screening
- Cervical cancer screening
- Psychiatry and Mental Health service
National Health Insurance Company Daman 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
- It offers EBP Plus plan.
- This plan offered by National Health Insurance Company Daman offers vital health insurance coverage to the policyholder.
- It is an affordable & best health insurance in dubai plan for those members whose monthly income is low as determined by regulatory authorities.
- The company ensures to provide excellent service 24x7, and 365 days a year.
- This Daman medical insurance plan starts from as low as 615 AED per year.
My Family
- It offers Care Essential Plan, Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
- These are local medical insurance plans with options for plenty of worldwide benefits.
- The policyholder gets access to a large network of more than two thousand hospitals, pharmacies, and clinics throughout the UAE.
- National Health Insurance Company Daman ensures to provide excellent service 24x7, and 365 days a year.
- These plans starting from as low as 800 AED per year.
Myself
- It offers Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
- These comprehensive health insurance plans come with optional worldwide coverage.
- These Daman Health Insurance plans include second medical opinion service & international assistance.
- The policyholder gets access to a large network of more than two thousand healthcare providers throughout the UAE.
- It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.
Madeed
- A retirement insurance plan that is made especially for people with retirement visas or who are 55 years of age or older.
- 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.
- This Daman health insurance plan includes emergency coverage, outpatient benefits, and services, pharmaceuticals as well as pre-existing conditions.
- Dental and optical care can be included as an add-on.
- The plan also covers annual cancer and Hepatitis C screenings.
Business Insurance
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.
Small-Group Business
- It offers an EBP Plus plan.
- These health insurance plans are suitable for groups of a maximum of 10 employees (and their dependents).
- This Daman Health Insurance plan includes a second medical opinion service & international assistance.
- It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.
- This comprehensive health insurance plan comes with optional worldwide coverage.
- These plans starting from as low as 615 AED per year.
Large Group Business
- It offers Enhanced Bronze Plan, Enhanced Silver Plan, Enhanced Gold Plan, Enhanced Platinum Plan, & Premier Plan.
- These are the tailor-made health insurance plans for companies with 10 plus employees (and their dependents).
- These plans starting from as low as 615 AED per year.
- The policyholder gets access to a large network of more than two thousand local as well as international healthcare providers.
- It offers a disease management program.
- The policyholder can get support access throughout the day & throughout the week.
National Health Insurance Company Daman 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 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.
Related Health Insurance
Documents Required to Get National Health Insurance Company Daman
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
National Health Insurance Company Daman Health Insurance Renewal Process
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.
Popular Health Insurance Searches:
Health Insurance Dubai | UAE Medical Insurance Prices | Health Insurance for Parents | Maternity Insurance UAE | Health Insurance for Child in UAE | Family Health Insurance | Dental Insurance in UAE | Individual Health Insurance | Health Insurance in Abu Dhabi | Health Insurance in Sharjah
Daman Health Insurance FAQ's
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:
- Pre-existing medical conditions
- Out-patient benefits
- Pharmaceuticals
- Emergency Services
- Maternity Benefits
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
More From Health Insurance
- Recent Articles
- Popular Articles
19 Dec 2024Health Insurance for Kidney PatientsDiscover comprehensive insurance options for kidney patients. Learn about coverage for dialysis, transplants, medications, and more to secure your health and peace of mind.
18 Dec 2024UAE Introduces Nationwide Mandatory Health Insurance SchemeStarting January 1, 2025, the UAE will implement a nationwide mandatory health insurance scheme, extending coverage to all private sector employees and domestic workers across all emirates.
16 Dec 2024Health Insurance Broker in UAEFind expert health insurance brokers to compare plans, get personalized advice, and secure the best coverage for your needs. Simplify your insurance journey today!
16 Dec 2024Health Insurance for Stroke in UAEExplore health insurance plans with stroke coverage, including hospitalization, rehabilitation, and post-stroke care. Ensure financial security for your recovery journey.
16 Dec 2024Health Insurance for Mental HealthExplore tailored health insurance plans for diabetes patients in the UAE. Get comprehensive coverage, affordable premiums, and support for managing your health effectively.
16 Dec 2024Health Insurance for Diabetes Patients in UAEExplore tailored health insurance plans for diabetes patients in the UAE. Get comprehensive coverage, affordable premiums, and support for managing your health effectively.
