Daman Health Insurance - National Health Insurance Co (Daman)

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:

1. Comprehensive Coverage: The Company offers comprehensive coverage to its policyholder so as to meet their basic insurance needs.
2. Excellent Service: Daman Health Insurance Company ensures to provide excellent service 24x7, and 365 days a year to its policyholder.
3. Scope of Coverage: Insured gets worldwide coverage.
4. 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

1. It offers EBP Plus plan.
2. This plan offered by National Health Insurance Company Daman offers vital health insurance coverage to the policyholder.
3. It is an affordable & best health insurance in dubai plan for those members whose monthly income is low as determined by regulatory authorities.
4. The company ensures to provide excellent service 24x7, and 365 days a year.
5. This Daman medical insurance plan starts from as low as 615 AED per year.

My Family

1. It offers Care Essential Plan, Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
2. These are local medical insurance plans with options for plenty of worldwide benefits.
3. The policyholder gets access to a large network of more than two thousand hospitals, pharmacies, and clinics throughout the UAE.
4. National Health Insurance Company Daman ensures to provide excellent service 24x7, and 365 days a year.
5. These plans starting from as low as 800 AED per year.

Myself

1. It offers Smart Chrome, Smart Silver, Smart Gold & Premier DNE plans.
2. These comprehensive health insurance plans come with optional worldwide coverage.
3. These Daman Health Insurance plans include second medical opinion service & international assistance.
4. The policyholder gets access to a large network of more than two thousand healthcare providers throughout the UAE.
5. It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.

Madeed

1. A retirement insurance plan that is made especially for people with retirement visas or who are 55 years of age or older.
2. 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.
3. This Daman health insurance plan includes emergency coverage, outpatient benefits, and services, pharmaceuticals as well as pre-existing conditions.
4. Dental and optical care can be included as an add-on.
5. 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

1. It offers an EBP Plus plan.
2. These health insurance plans are suitable for groups of a maximum of 10 employees (and their dependents).
3. This Daman Health Insurance plan includes a second medical opinion service & international assistance.
4. It provides the flexibility to add optional benefit modules in order to create the individual’s own plan.
5. This comprehensive health insurance plan comes with optional worldwide coverage.
6. These plans starting from as low as 615 AED per year.

Large Group Business

1. It offers Enhanced Bronze Plan, Enhanced Silver Plan, Enhanced Gold Plan, Enhanced Platinum Plan, & Premier Plan.
2. These are the tailor-made health insurance plans for companies with 10 plus employees (and their dependents).
3. These plans starting from as low as 615 AED per year.
4. The policyholder gets access to a large network of more than two thousand local as well as international healthcare providers.
5. It offers a disease management program.
6. 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.

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