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Find the right cover for your employees

Your employees are the most important asset of your business and a good health insurance cover can significantly increase your company’s output. No matter what business type, we offer health insurance plans suiting the size and the location of your company.

Small Group Business
  • Suitable plans for groups up to 10 employees (and their dependants).
  • Covers core benefits like inpatient, outpatient, maternity and emergency services.
  • Includes international assistance and second medical opinion service.
  • Flexibility to add optional benefit modules to create your own plan.
  • Comprehensive plans with optional worldwide coverage starting from as low as AED 675 per year.
 
USelect
  • Customizable plans for groups with 11 employees to 150 members.
  • Flexibility of coverage with different module options.
  • Modules vary from territory, annual limit to network selection, dental & optical coverage and many more.
  • Cost control options like co-insurance.
  • Flexibility to choose the network locally and globally with an optimized provider network & network options.
 
Large Group Businesses
  • Tailor-made plans for companies with more than 10 employees (and their dependants) starting from as low as AED 675 per year.
  • Access to over 2,000 local and international providers.
  • Cover for pre-existing and chronic conditions.
  • Disease Management Program.
  • Support access 24 hours a day, 7 days a week. Online portal for easy adjustments to your policy.
 

Frequently asked questions

Health care can be quite complex at times - there’s no question about it. You’ll find answers to commonly asked questions here.

 

If you’re a Small and Medium Enterprise (SME) with 11 employees to 150 members, then you qualify for our Uselect health insurance plans.  

  • It is pocket-friendly with co-pay and cost sharing options
  • You can customize your plans by selecting the benefits and the coverage limit for each. These include network, territory, optical, dental and many more.

You can buy a Uselect plan at Daman branches, online through the website and with the help of insurance brokers. You can also reach us through our call center 24/7 on 600-5-32626 or email us at customerinfo@damanhealth.ae and we will ask one of our sales representatives to contact you.

Uselect plans are designed for SMEs (Small and Medium Enterprises) only. Individuals and families can go for any of Daman’s Individual Health Insurance plans here.

There are 3 different plan options under Uselect. Under each plan, you can choose from a variety of module options – from territory and annual limits to network selection, dental & optical coverage and many more.

At the time of application, you can request to add dental and optical benefits. Keep in mind, optical can only be opted if you have opted in for dental.

Yes, pre-existing conditions are covered up to annual limit. For members without continuity of coverage (CoC) in the UAE, coverage is up to AED 250,000.

A medical report will only be required for members aged 65 years and above.

Yes, the medical check-up benefit is offered across all Uselect plans.

 

You can submit your claim either through Daman app or Daman website along w/the documents relevant to your claim.

You may be asked to provide additional documents depending on the nature of your claim such as Prescription, police reports, death certificate, referral form, visa copy, airline ticket. 

What are the basic document requirements for claim submission?

In addition to the basic documents such as itemized invoice, proof of payment, you will also need to submit a clinician referral, detailed medical report indicating the number of sessions and goal of treatment.

Yes, proof of payment is required for claim submission, it can be a credit card receipt or hospital receipt with paid stamp. Proof of payment is a guarantee that the member paid the services he/she availed.

Itemized invoice is the breakdown of medical services with a specific amount for each medical service you availed. Yes, it is required for every claim submission because it indicates each of the services you have taken, the date it was availed and the cost for each service. 

You can submit your reimbursement request within 180 days from the date of service.

A detailed medical report w/ discharge summary is required for all hospital admissions and some out-patient services such as therapy e.g., speech therapy, infertility services

 
If the hospitalizations require surgery additional report such as operative notes and anesthesia records should also be provided. The medical report comprises of diagnosis and explanation of the necessity of the procedure including the sign and symptoms. 

You can check your benefit from the schedule of benefit of your policy in Daman website and App.

There is no coverage in advance for the future treatment/service. Only performed services will be reimbursed

In addition to the basic documents such as itemized invoice, proof of payment, you will also need to submit a clinician referral, detailed medical report indicating the number of sessions and goal of treatment.

You can resubmit your claim by using resubmit option available in daman website and app.

 

R&C charges refer to the average price of a particular treatment across the network of providers for a specific plan.  Daman applies R&C rates to claims incurred out of the plan’s network as non-network prices could be quite high and will impact the policy’s renewal premium.  So to maintain a balance between treatment access and cost, payment will be on a R&C basis and not on the actual out of pocket cost of the member.

We encourage members to seek treatments at Network Providers to receive the maximum benefits of your policy.  However, in the event that going to non network providers is non-avoidable, the member might not receive the full share of the cost at a non-network provider if the cost of a specific service of this provider is higher than other providers in your plan’s network. 

 

The below scenarios can assist you in understanding: 

  • Scenario 1 – If the R&C rate is less than the actual price charged by the Non-Network Provider, the R&C rate is applied in calculating the reimbursed claim payment.
  • Scenario 2 – If the actual price charged by the Non-Network Provider is less than the R&C rate, the actual price rate is applied in calculating the reimbursed claim payment.


This has been illustrated below, for a case where 20% co-insurance applies for all covered services in Non-Network Provider: Example - R&C: Consider that a cost for a particular surgery is AED 1000 at a network hospital.
 

 

  Paid amount After applying 20% co-insurance Maximum reimbursed claim payable to the member
R&C: For a particular surgery within your network AED 1000 AED 800 AED 800 (lower of R&C or Actuals after applying applicable Coinsurance)
Scenario 1: Claimed Amount (Amount Charged by Non-Network provider higher than R&C rate) AED 1500 AED 1200
Scenario 2: Claimed Amount (Amount Charged by Non-Network provider lower than R&C rate) AED 500 AED 400 AED 400 (lower of R&C or Actuals after applying applicable Coinsurance)

 

 

Novel Coronavirus strains are spread from person to person through contact with contaminated respiratory droplets from an infected person (through coughing or sneezing) or contaminated hands. The virus can spread through touching a contaminated surface. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. Therefore, it is important to stay more than 1 meter (3 feet) away from a person who is sick.

The main symptoms of the disease include fever, cough and, in the most severe cases, shortness of breath. Some patients may experience aches and pains, nasal congestion, runny nose, sore throat or diarrhea. These symptoms are usually mild and begin gradually.

No vaccine or specific treatment for COVID-19 is available. The treatment of COVID-19 depends on enhancing the immunity level of patients, treating the symptoms and easing complications, as there is no specific treatment for the virus to date.

  1. Avoid contact with people suffering from respiratory infections exhibiting COVID-19 symptoms
  2. Avoid handshakes, nose-to-nose greetings, hugging or kissing others and maintain at least a two-meter distance between yourself and anyone who is coughing or sneezin
  3. Frequently wash your hands with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer if soap and water are not available
  4. Avoid touching your eyes, nose or mouth without washing your hands
  5. Clean surfaces regularly
  6. Avoid close contact with live or dead farm or wild animals and avoid eating animal products that are undercooked
  7. Cover your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately
  8. Make sure to get enough rest and consume large amounts of fluids
  9. Adhere to all instructions issued by the local authorities and governments

We urge you to isolate yourself from other people and call your healthcare provider. Before visiting the hospital or clinic, ensure that you call ahead and tell them the reason that you are visiting. On the way, avoid contact with others and cover your mouth and nose with your sleeve or a tissue when coughing or sneezing.

If you show COVID-19 symptoms, your policy will cover medically required services requested by a treating physician until a diagnosis is established. We hope in such cases that your test results return negative. However, in the unfortunate event your test turns out positive for COVID-19, the healthcare provider will facilitate the treatment together with local authorities in line with their regulations.

COVID-19 tests and treatment undergone abroad are not part of your health policy.

We will only cover medically necessary testing, when medically indicated for patients with COVID-19 symptoms referred by a medical physician and in an approved medical facility.

If you have any further questions, we encourage you to contact the UAE authorities:

  1. Ministry of Health & Prevention - call 80011111
  2. Abu Dhabi: Department of Health - Estijaba service – call 8001717
  3. Dubai: Dubai Health Authority – call 800342

We have moved our operations online. Simply go to www.damanhealth.ae sign-in to your “MyDaman” account and access the following services:

  • Add or delete members, or change data
  • Download documents and access information: invoices issued, travel and insurance certificates, members’ digital cards and statements of accounts
  • Payments: pay your premium via credit cards, bank transfers or bank deposits. Additionally, send proof of payment to cashier.hq@damanhealth.ae

For more information about how to use our online services mentioned above, please read the service manuals available here.

Customers who used to visit our branches to:

  • Enroll or renew their insurance policies
  • Request Insurance Continuity Certificate (COC)
  • Request and renew Aounak Health Insurance Card
  • Submit their claims above AED 15.000

You can easily submit your request here.

Signed LOA and POA are to be sent from your official company email to  Distribution.Support@damanhealth.ae.

You can find our bank account details below to be used for bank transactions: 

For Dubai Click here

For Abu Dhabi Click here

You can easily log in to Daman Mobile App or sign in to your account on www.damanhealth.ae to access the following services:

  • Daman Digital card details
  • Know your benefits (Schedule of Benefits and General Exclusions)
  • Track your preapproval request
  • Submit and track your reimbursement claim
  • Access Telemedicine (call a Doctor) for non-emergency cases

As the situation develops, we will follow it closely and inform you as soon as possible of any developments that may impact our services, in compliance with instructions from the relevant health authorities.

For elective surgeries in Abu Dhabi and other emirates:

Please consult your doctor.

For elective surgeries in Dubai:

The DHA (Dubai Health Authority) postponement of elective surgeries until further notice only applies to DHA licensed medical providers and/or professionals and Dubai Healthcare City licensed medical providers and/or professionals. Dental centres and clinics in health facilities are limited to receiving urgent cases only, such as acute dental pain, pus infections, injuries etc. And all other appointments are to be postponed till further notice.

Reimbursement claims can be submitted from the comfort of your home. There is no need to come back to the UAE.

To submit a claim, log into Daman mobile app and click on "My claims”. Or sign in to www.damanhealth.ae and click on reimbursement claims.

To submit your claim, log into Daman mobile app and click on "My claims”. Or sign in to www.damanhealth.ae and click on reimbursement claims.

Kindly click here, then choose Abu Dhabi Basic Plan (Individuals).

Kindly click here, then choose Abu Dhabi Basic Insurance Plan (Group) and complete your application.

Please send your request to sales.dxb@damanhealth.ae

 

Kindly click here, then choose General Queries and Feedback.

Yes, if the network hospitals are not available due to the current COVID-19 virus outbreak, you can avail services from the nearest non-network hospital and such services will be covered on reimbursement basis.
 

To know all the services which are covered under your insurance plan, you can access your benefits and exclusion list through Daman mobile app. Go to the main screen and click on "My insurance" and then "Schedule of Benefits". Or, you can sign-in to Daman Website at www.damanhealth.ae and go to “Benefits”.

Yes, you will be receiving an email and will be contacted by our sales agents and you will have more clarification about the missing documents.

 

Value Added Tax is an indirect tax that is being introduced by the UAE Government, which will be payable by both businesses and individuals.

Yes, unless there is an exception under the Federal Law that VAT does not apply to a particular set of goods and/or services. Exceptions are published by the Federal Tax Authority.

There is a possibility for business owners to claim back their VAT contribution, provided they have registered for VAT and meet the requirements. For further information, please visit www.tax.gov.ae

Yes

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No, there are also certain rules that apply for transition policies i.e., ongoing policies where the policy coverage extends to 2018.

The current understanding is that VAT will also be payable for that period. Where the insurance policy is issued in 2017 and expires in 2018, tax will be applicable for the time period where health insurance coverage is provided in 2018.

For example, where a policy is issued on the 1st of October 2017 and expires on the 30th of September 2018, VAT at the rate of 5% will be pro-rated for the nine (9) months (1st of January 2018 – 30th of September 2018) that the policy is in effect.

Yes. Where a policy is issued on the 1st October 2017 and expires on the 30th September 2018, VAT at the rate of 5% will be pro-rated for the nine (9) months (1st of January 2018 – 30th of September 2018) that the policy is in effect.

The invoice will display the VAT charge based on the final number of members enrolled under the policy at the time of enrolment.

For transition policies, a revised invoice will be issued to you on or after 1st of January 2018 setting out the pro-rated VAT charge.

Yes, terms and conditions in the policy wording have been amended to include provisions on VAT.

A copy of the policy terms and conditions can be found here

Yes, the TRN is required so that it is reflected on our invoice. The inclusion of your TRN on our bill is required for you to recover the incurred VAT within your VAT return. We will contact you shortly for this information.

Please visit the website for the Federal Tax Authority – www.tax.gov.ae

 

 

 

Effective from April 1, 2019, Daman will cover up to a maximum of three (3) procedures within all three (3) trimesters of your pregnancy, with one (1) procedure performed per single trimester as long as the ultrasound procedure is part of your maternity benefits in your insurance policy. For more information please click here.

As long as the ultrasound procedure is part of your maternity benefits in your insurance policy, Daman will cover up to three (3) procedures within all three (3) trimesters of your pregnancy, with one (1) procedure performed per single trimester.

This applies for thorough procedures conducted by qualified ultrasound technician or diagnostic medical sonographer in the Radiology, Medical Imaging or other specialized department of a clinic/hospital.

Important: please note, that quick bedside ultrasounds conducted by your doctor are considered as part of the consultation and these are not counted as part of the 3 thorough procedures described above. It is your doctor’s decision to perform a quick ultrasound as part of the consultation.

All health care providers have been informed about the new rules ahead of time, becoming effective from April 1, 2019.

Yes, the effective date of implementation is April 1st, 2019, any service performed before that won’t be counted as part of the new rule.

These rules are applicable to all Daman insurance plans such as Basic, Enhanced and Thiqa.

No, this is not true. Up to three pregnancy ultrasounds are covered by Daman as long as this benefit is part of the insurance policy. Please refer to the Schedule of Benefits as part of your Daman insurance.

There can be only two reasons why your ultrasound procedure has been rejected.

First, this procedure is not part of the maternity benefits included in your insurance policy. Please refer to the Schedule of Benefits as part of your insurance policy.

Second reason is that you have already performed an ultrasound procedure in the current trimester or have had reached the limited of three procedures in all your trimesters.

Your benefit includes one ultrasound procedure per one trimester. Any additional  ultrasound is not required as part of a normal pregnancy.

Yes, your health and the safety of your baby come first. Daman will cover obstetric ultrasounds for proven emergencies.

Multiple gestations will usually require extra care compared to singleton pregnancies. Your doctor may decide whether an additional ultrasound procedure is required and request for it.

Please share the previous ultrasound result with your new obstetrician. A new ultrasound procedure can be performed in the next trimester in case such a procedure has already been performed in the current trimester.

Pregnancy ultrasound is still covered, one procedure per trimester for a normal pregnancy. Daman is partnering with the local regulator to ensure that ultrasounds are only prescribed whenever medically necessary.

Yes, your baby is absolutely safe when three ultrasounds procedures are performed. As per international medical best practice three ultrasounds (1 per trimester) are fully sufficient during a normal pregnancy:

  • 1st trimester (0-14 weeks): confirm viable pregnancy inside uterus, estimate the age of gestation with/without Down’s syndrome screening
  • 2nd trimester (14-28 weeks): detailed scan of fetal anatomy
  • 3rd trimester (28-42 weeks): fetal growth surveillance, follow-up known problem with placenta, preparation for delivery

Your doctor may always request for pre-authorization for an additional ultrasound procedure, if it is truly medically necessary.

International best practice recommendations, as well as local health authority standards, do not support use of ultrasound in each antenatal visit. Ultrasounds should only be done whenever medically necessary, not just for keepsake photos.

  • 1st trimester (0-14 weeks): confirm viable pregnancy inside uterus, estimate the age of gestation with/without Down’s syndrome screening
  • 2nd trimester (14-28 weeks): detailed scan of fetal anatomy
  • 3rd trimester (28-42 weeks): fetal growth surveillance, follow-up known problem with placenta, preparation for delivery

Please note, that quick bedside ultrasounds conducted by your doctor are considered as part of the consultation and these are not counted as part of the 3 thorough procedures described above. It is your doctor’s decision to perform a quick ultrasound as part of the consultation.

Proven high-risk pregnancies may be permitted more than one ultrasound per trimester. Daman’s Authorization department will evaluate the case requested by your attending physician and allow for an additional scan, if medically necessary.

Daman has informed all healthcare providers ahead of time and raised the awareness among pregnant women in an awareness campaign. We are sorry to hear that this message has not reached you.

Please call 600 5 DAMAN (32626)

 

We stopped printing health insurance cards. Members can access their health insurance details from their Daman mobile app. You can download your digital insurance card and use it in place of your physical insurance card, The Emirates ID card will also qualify members to access healthcare services at providers under Daman’s network. 

Yes, Daman members will be able to use their digital card found on their Daman app and Emirates ID at medical facilities under the Daman network. The Daman app will give you access to features on the move such as your policy number, and schedule of benefits and nearest providers.

When you visit health providers in your network you have an option of providing your digital card number in the app or your Emirates ID as Daman has trained the health services providers on using a secure online platform where they can match the Emirates ID number with the member’s health insurance file that is available in Daman data base.

You can register to Daman’s app using your Emirates ID number and policy number, if you do not have your policy number click on “I don’t know my policy number” and fill in the necessary information to select the policy you wish to link with your mobile app. You can also ask your sponsor or employer who bought the policy for this number. If you have more than one health insurance policy, you will have to create multiple accounts to be able to access each insurance benefits separately.

If you do not hold your Emirates ID and wish to register on the Daman app, please call 800432626 and ask about your Daman card number and policy number. Once provided by our call center agent, you can use the Daman card number and policy number to create an account on Daman app or Daman’s website.

In exceptional cases our members will receive a physical Daman insurance card, you can register to the app using the information printed on your insurance card.

Yes, if you already have a MyDaman account created on Daman’s website, you will be able to use it to login to the Daman app. If you don’t have a MyDaman account yet, you can register on the Daman app directly using only your Emirates ID number and policy number. In case you don’t have your policy number, you can click on “I don’t know my policy number” and the Daman app will list the available insurance policies under your details.

You can do so by downloading Daman app where you can have access to your policy number, schedule of benefits and access to the providers click here to update your Emirates ID number on our website.

If you do not have your Daman’s card number, you can reach our call centre on 800432626 to get your card number and then update your Emirates ID here

No they are not linked. Each must be renewed separately.

No it will not. We use your Emirates ID number to check if you have valid health insurance coverage. You can still use your digital card found on your Daman mobile app.

It is recommended that you download and register to the Daman mobile app. The Daman app provides you your health insurance details, including your Daman card number. Daman members who have international emergency coverage need to contact the number via the app and provide the Emirates ID number for emergency medical assistance.

MENA Region: In Patient and Outpatient services – please share your digital card and EID with the provider that offers direct billing in the network.

India: Only in-patient, elective treatment is covered on direct billing. Please contact the provider, as per the website, and provide your Emirates ID number.

International Providers, excluding MENA: The member need to approach Daman International Assistance services minimum 5 days prior to availing the treatment. Daman will validate your eligibility and provide necessary approvals for the treatment to be carried out at the selected provider. For any enquiries, please email intl_assistance@damanhealth.ae.

The use of Emirates ID is available for use in any provider across UAE in the Daman Network as per your plan. You can also use the Daman app to check and/ or search for an in-network healthcare provider near you.

Daman processes allows you to just present a copy of your Emirates ID or show your Daman digital card (through the Daman App) to the provider to avail medical services.

Daman will continue printing cards for its members who do not hold an Emirates ID cards.

We recommend that you download the Daman app as it has all of your insurance details. If you or the healthcare provider have the Emirates ID card’s copy or its number, they can check our system if you are eligible for coverage using the number. However, healthcare providers may need to see another form of valid identification document, so it is advisable that your carry your Official identification.

Resources

Health care can be quite complex at times - there’s no question about it. You’ll find resources here.

Policy Holder

How to register as a policyholder? Watch Read
How to register as a group? Watch Read
How to add less than 10 members to your policy? Watch Read
How to add more than 10 members to your policy? Watch Read
How to cancel members from your policy? Watch Read
How to pay outstanding fees? Watch Read

 

Members

How How to register as a member? Watch Read
How submit a claim? Watch Read
How to use Daman App? Watch Read
Onboarding kit Read
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