Policybazaar Insurance
Policybazaar Insurance

Daman Health Insurance

Operating since 2006 and headquartered in Abu Dhabi, Daman is known for its large medical network of 2000+ hospitals and clinics, and easy claim process. The company offers medical plans designed for individuals, families, employers, and dependents, making it suitable for residents with different ...read more healthcare needs.

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1.5 Million+

Trusted Customers

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Insurance Partners

750K+

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AED 1 million Health cover starting @4/Day

Selecting health insurance for
Self Only
Both Self and Family
Family without Self
Domestic Workers
Investor

Health Insurance UAE Plans

Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
HAYAH Insurance
HAYAH Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic Only
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Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Takaful Emarat
Takaful Emarat
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
E CARE Blue
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Insurance
Orient Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Cigna
Cigna
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
General
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
GIG Gulf (Previously AXA)
GIG Gulf (Previously AXA)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house A1
Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Fidelity United
Fidelity United
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP C/RN3
Clinic Only
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Outpatient services are limited to clinics & general practitioner. To access a hospital for outpatient a referral is required from your GP. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Dubai Insurance
Dubai Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
DubaiCare Next
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Orient Takaful Insurance
Orient Takaful Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
RAK Insurance
RAK Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NEXTCARE RN3
Dubai National Insurance
Dubai National Insurance
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Network - PCP/RN3
Clinic With Specialist
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Adamjee
Adamjee
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MEDNET Silk Road
Clinic and GP Only
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Outpatient services are limited to clinics, However you can direct meet with a specialist with these plans. If you need to go to a hospital, you'll need your doctor's approval. This is local coverage with a limited network of hospitals and clinics available Please note, you can access a hospital (within the network) during life threatening emergency situations.
Watania Takaful (Previously Noor Takaful)
Watania Takaful (Previously Noor Takaful)
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
NAS-VN
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Abu Dhabi National Insurance Company
Abu Dhabi National Insurance Company
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
MSHI Bronze
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Allianz
Allianz
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
In-house
Clinic + Hospital Access
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You can see specialists and visit local clinics and hospitals directly. Certain plans provide coverage both in your home country and abroad (outpatient would be on a reimbursement bases and emergency situations are covered on a direct billing basis within network). This plan even covers some dental and optical expenses.
Sukoon Bupa
Sukoon Bupa
Network
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The list of hospitals & clinics where your health insurance plan can be applied.
Premium Network
Plans shown as per selected filters. T&Cs apply

Why Choose Daman Health Insurance?

Picking a health insurer in the UAE is really about three things: network access, coverage clarity, and smooth claims. Daman performs well across all three with —

✔️ Access to 2000+ clinics & hospitals across all emirates

✔️ Plans for clinic-only, clinics + hospitals, and premium networks

✔️ Emergency treatment coverage in most plans

✔️ Options for maternity, dental, and optical benefits

✔️ Direct billing + fast reimbursement support

✔️ Plans that meet UAE visa & employer requirements

✔️ Affordable premiums with multiple plan tiers

✔️ Coverage for pre-existing & chronic conditions (as per regulator rules)

Types of Daman Health Insurance Plans

1. Basic Health Insurance (EBP / Essential Benefits Plan)

This is the simplest and most affordable plan, mainly chosen for the UAE visa requirements or domestic helpers.

  • Covers essential medical services
  • GP referral needed for most specialists
  • Access to clinics only or a small hospital network
  • Limited outpatient & pharmacy benefits
  • Emergency care at the nearest hospital

Best for: Domestic workers, low-income earners, dependents who need only essential cover.

2. Semi-Comprehensive Plan

This is ideal if you need more flexibility and comfort without paying premium-level prices.

  • Wider network, including hospitals
  • Specialist access (with or without referral, depending on plan)
  • Better inpatient limits and approvals
  • Higher pharmacy limits

Best for: Individuals and families who want affordability but fewer restrictions.

3. Comprehensive Plan

It provides you with the highest protection level if you want maximum peace of mind.

  • Access to top-tier hospitals across the UAE
  • High limits for inpatient & surgeries
  • Maternity benefits included
  • Chronic & pre-existing conditions covered (after waiting period)
  • Optional dental, optical, and alternative treatments

Best for: Families, executives, people with frequent medical needs, and anyone wanting full coverage.

Related Health Insurance

What is Covered in Daman Health Insurance?

Most Daman plans include the following core benefits —

  • Inpatient treatment & hospitalisation
  • Outpatient consultations and diagnostics
  • Emergency care at any nearby hospital
  • Laboratory tests, X-rays, MRI/CT scans (as per limits)
  • Specialist visits (direct or referral-based)
  • Prescribed medication expenses
  • Coverage for chronic & pre-existing conditions after waiting period
  • Optional maternity, dental, and vision benefits

Example: If you’re admitted for appendicitis, the plan covers surgery, anaesthesia, room charges, and follow-up visits (as per plan terms). However,  coverage may differ across plan tiers. We advise you to always check limits and network levels before choosing.

What’s Not Covered in Daman Health Insurance? 

All health plans come with certain exclusions. Daman health insurance does not usually cover —

  • Cosmetic or non-medically necessary procedures
  • IVF, infertility, or assisted reproduction
  • Non-prescribed supplements or vitamins
  • Self-inflicted injuries
  • Injuries due to illegal or reckless activities
  • Experimental or unapproved medical treatments
  • Dental/optical, unless part of your chosen plan
  • Conditions under the waiting period

Eligibility for Daman Medical Insurance in UAE

You can apply if —

  • You hold a valid UAE residency visa
  • Your age falls within the insurer’s entry range (usually 0–99 years)
  • You’re applying for yourself, family members, dependents, or employees
  • Medical history may be required for specific conditions or age groups

Documents Required

To issue your Daman health policy, you typically need —

  • Emirates ID (front & back)
  • Passport copy
  • Residence visa copy
  • Previous insurance details (if available)
  • Medical reports for certain age groups or conditions

Who is Daman Best For?

Choosing the right Daman plan depends on your healthcare needs, budget, and lifestyle. Here’s who should buy —

  • Best for Low-Budget Users: Basic Plan is perfect if you mainly need clinic-level care and want to fulfil the UAE’s minimum visa/health mandate at an affordable price.
  • Best for Families: Choose a Semi-Comprehensive or Comprehensive Plan — you get a wider hospital network, maternity benefits, better inpatient limits, and peace of mind for kids and dependents.
  • Best for People With Chronic Conditions: A Comprehensive Plan works best in this case. It typically includes more specialist consultations, diagnostics, follow-up visits, and higher annual limits.
  • Best for Domestic Workers: A Basic or Essential Benefits Plan (EBP) is usually suitable, offering essential medical coverage at budget-friendly premiums that meet employer requirements.

How Claims Work With Daman: Cashless vs Reimbursement

Daman allows you to claim medical expenses in 2 ways: cashless if you visit a network hospital, and reimbursement if you visit a non-network provider. Both methods are straightforward, but knowing the difference helps you avoid delays and unnecessary payments.

Cashless Claims (At Network Hospitals)

  1. Visit any hospital in the Daman network
  2. Present your Emirates ID or insurance card
  3. The hospital sends a pre-approval request
  4. Insurer reviews and approves (or asks for clarification)
  5. Treatment is done
  6. The insurer settles the bill directly with the hospital
  7. You pay only the required copayment

Reimbursement Claims (Non-Network Providers)

  1. Pay the hospital bill yourself
  2. Collect all bills, reports, and prescriptions
  3. Submit the claim form + documents online
  4. The insurer reviews and processes the claim
  5. You receive eligible reimbursement in 5–15 working days

How to Buy Daman Health Insurance Policy Through Policybazaarinsurance.ae?

Buying Daman health insurance through Policybazaarinsurance.ae is simple, fast, and fully digital. Just follow these steps:

1. Visit the Website: Go to Policybazaarinsurance.ae → Health Insurance

2. Enter Your Basic Details: Fill in your age, visa type, location, and dependents. The system will instantly show Daman plans that match your profile.

3. Apply Filters: Choose  Daman under the insurer filter.

4. Compare Plans Easily: Review plans side-by-side based on premium, coverage, or optional add-ons.

5. Select a Plan & Pay Securely: Pick the plan that fits your needs and complete the payment online.

6. Get Your Policy Instantly: Your policy document and E-card are generated immediately, no waiting, no paperwork.

Why Buy From Policybazaarinsurance.ae?

✔ Access to top UAE insurers

✔ 24/7 customer support

✔ Clear and transparent plan comparison

✔ Easy renewals and timely reminders

✔ 100% digital process from comparison to policy download

How long does Daman take to process reimbursement claims?

It usually takes 5–15 working days, depending on documentation and case complexity.

Does Daman cover maternity expenses?

Maternity is covered in select plans only and usually starts after a waiting period of 40 days to 12 months, depending on the plan.

How can I check if my hospital is part of the network?

You can check the latest network list on Policybazaarinsurance.ae or through the insurer’s official website.

Are pre-existing conditions covered in the Daman medical plan?

Yes, after the applicable waiting period (usually 6 months–12 months, depending on the plan).

Does Daman cover dental and vision?

Only in semi-comprehensive or comprehensive plans. Basic plans do not include them.

Can I upgrade my Daman health plan later?

Yes, upgrades are allowed during renewal. New waiting periods may apply.

Is emergency treatment covered immediately?

Yes. Emergency coverage usually begins from day one of your policy.

Is newborn baby coverage included in Daman health insurance?

If the mother is covered under a maternity plan, the newborn is usually covered automatically for the first 30 days. You must add the baby to the policy after this period.

Can I get worldwide or regional coverage?

Some comprehensive plans offer GCC or worldwide coverage. Check your schedule of benefits.

How can I renew my Daman plan?

You can renew instantly through Policybazaarinsurance.ae by uploading updated documents.

Are routine check-ups included in Daman health insurance?

Routine or preventive check-ups are usually covered only in premium plans.

What should I do if a hospital denies cashless approval under my plan?

Ask the hospital to resend the pre-approval request with complete documentation. If it is still rejected, you may settle the bill yourself and then file a reimbursement claim.

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