Daman Health Insurance

An independent review by our team of experts.

Review summary

Daman Insurance

Daman was established in 2006 by the Abu Dhabi Government and Munich Re in the UAE.  Currently, the specialist health insurer focuses on community health and wellness, with the aim of making the UAE a healthier and happier place.

Daman has launched several award-winning initiatives, such as ActiveLife, and its HealthGuardian platforms have made a positive difference to the lifestyles of thousands of people in the UAE.

Overview

Daman provides medical insurance plans to individuals, families, and corporates in the UAE.  

Individual/family medical insurance plans

Daman offers different medical insurance plans to individuals and families based on their emirate and visa status; as an example, they can provide cover for low salary band (less than AED 4K) or non-working dependents.

Essential Benefits Plan

Health insurance plans for Dubai resident visa holders earning less than or equal to AED 4,000.

  1. This plan offers basic health insurance coverage.
  2. An affordable plan for lower income members as determined by Dubai Health Authority
  3. Covers core benefits like inpatient, outpatient, maternity and emergency services
  4. AED 150,000 coverage

Care Essential Plan

  1. Annual aggregate limit of AED 160,000 inclusive of co-insurance
  2. Local Cover
  3. Covers core benefits like inpatient, outpatient, maternity and emergency services
  4. 80% coverage for in-patient services across UAE
  5. Prescribed Medicines up to AED 1,500 with 30% co-insurance

Care Chrome Plan

  1. Annual aggregate limit of AED 160,000
  2. Local Cover
  3. Covers core benefits like inpatient, outpatient, maternity, dental and emergency services
  4. Prescribed Medicines up to AED 5,000 with 10% co-insurance

Care Bronze Plan

  1. Annual aggregate limit of AED 250,000
  2. Regional Cover
  3. Covers core benefits like inpatient, outpatient, maternity, dental and emergency services
  4. Prescribed Medicines up to AED 5,000 with 10% co-insurance

Care Silver Plan

  1. Annual aggregate limit of AED 300,000
  2. Regional Cover
  3. Covers core benefits like inpatient, outpatient, maternity, dental and emergency services
  4. Prescribed Medicines up to AED 5,000 with 10% co-insurance

Care Gold Plan

  1. Annual aggregate limit of AED 2,500,000
  2. Worldwide Excl USA & Canada Cover
  3. Covers core benefits like inpatient, outpatient, maternity, dental and emergency services
  4. Prescribed Medicines paid in full

Care Platinum Plan

  1. Annual aggregate limit of AED 5,000,000
  2. Worldwide Cover
  3. Covers core benefits like inpatient, outpatient, maternity, dental and emergency services
  4. Prescribed Medicines paid in full

Premier Plan

  1. Annual aggregate limit of AED 20,000,000
  2. Worldwide Cover
  3. Covers core benefits like inpatient, outpatient, infertility, health screenings, maternity, dental, optical and emergency services
  4. Prescribed Medicines paid in full

Corporate medical insurance plans

Daman offer a range of plans for Corporate clients, ranging from the Essential Benefits plan (for members earning under AED 4k salary) up to worldwide plans.

They are highly flexible and so it is easy to find a plan that matches the benefits requirements for most companies.

Daman also provides plans that are HAAD (Health Authority of Abu Dhabi) compliant, please access the Daman website to learn more about the plans offered in Abu Dhabi. You can also refer to the brochures in the resources section, or contact us for more detailed information.

The pros

  • Leading insurer in UAE, particularly in Abu Dhabi
  • Highly regulated and stable as it is backed by the government
  • Huge variety of plans
  • One of the participating insurers; provide insurance for members earning less than AED 4K
  • Daman mobile app to submit claims, access medical network and contact customer care.
  • At the forefront of technological developments for insurers in the Middle East

The cons

  • Primary focus on large corporates, therefore service is often lacking for SME and individuals
  • Slow turnaround times and difficult to escalate issues
  • Expensive compared to the other regional options
  • Increases can be significant and above medical inflation
FAQs
Which hospitals, clinics and pharmacies can I have access to if I am insured with Daman?

Please refer to the network list in the resources section below.

How long does it take for a claim to be processed?

After submitting a claim, reimbursements can be expected within 10-15 working days.

Can I review the status of my claim online? What are the other ways to follow up?

You can review the status of your claim online or contact the customer service through the mobile app – Daman.

You can also call the toll-free number – 800 4 DAMAN (800-4-32626) or email customerinfo@damanhealth.ae.

For information on the Essential Benefits Plan please email at dubaibasic@damanhealth.ae.

How do I submit a claim?

You can submit your claims online.

You can also submit claims through the Daman mobile app available on the apple or android stores.

Customer reviews
Customer Review

I've heard less favourable things about Daman from acquaintances who have individual plans with them...but from my company's perspective we're quite satisfied with our partner.

The network is good, claims times aren't too bad and the process isn't too onerous.

Expert verdict
Expert Assessment of Daman

Daman is one of the best established local insurance companies, particularly in Abu Dhabi. It has access to a wide network including some Government Hospitals, and is therefore well recognised.

Our experts believe that Daman primarily focuses on corporate accounts, and therefore offers lower service and turnaround times to smaller/individual accounts in the UAE.

Daman is backed by the government and is highly regulated and trusted. It adapts to changes in regulations and the market quickly and is often at the forefront for launching new technologies across the region.

If you are a business owner or HR professional in the UAE, you’re looking to save money on your employee benefits package and reduce your company medical insurance costs, we will review your current plans and related expenses. Please contact us.

At AES International, we focus on providing long-term solutions, tailored to an individual organisation’s needs, to help you improve overall employee wellness, drive up productivity and engagement, and enable you to manage your corporate medical insurance spend year on year.

“Thank you AES International for helping me and my family with your low cost no-nonsense approach. It is refreshing!”

Kristian Petersson

“With this sort of service you also expect to be paying very high fees, but it’s just not the case. I would definitely recommend AES.”

Jake van den Dries

“In the short time that I’ve been using AES I’ve made nearly ten thousand pounds and couldn’t be happier!”

Jackie Pym

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