

Uselect Plans For Small and Medium Enterprises (SME)
Welcome to an insurance plan that is as flexible and agile as your business. Whether you want to go global with your coverage, splurge on dental or keep it simple, it is up to you. Uselect the benefits that go into every plan, we just give you a wide variety to choose from.
How do I select the benefits?
We have created modular plans which provide you with options for every benefit. For instance, if you go with Uselect Gold, and you would like to opt in for the dental benefit, you can select the coverage limit of AED 2,000, 3,000 or 5,000 – making Uselect fully customizable to your business.
Your insurance. Your rules.
- Every module is designed for the convenience of your business, from selecting the territory, annual limit, and network of coverage to dental and optical benefits and many more.
- You are in control of how much you pay with options like co-insurance
- Whether you’re looking for local providers or global, all 3 plans come with an optimized provider network and network options.
Call your Daman representative to apply for Uselect today.
Plan Name | Uselect Gold DNE Request Quote |
Uselect Silver DNE Request Quote |
Uselect Bronze DNE Request Quote |
Annual benefit limit per person
(Options) |
1,000,000/ 5,000,000 |
AED 500,000 / 1,000,000 |
AED 250,000 / 500,000 |
Territorial Limit (Options) |
WW Exc USA WW |
UAE ext. SEA, ISC and AC for Inpatient treatment only |
UAE ext. SEA, ISC and AC for Inpatient treatment only |
Network (Options) |
Supreme Grand Royal NAS Comprehensive NAS General |
Grand Key NAS General NAS Restricted |
Advanced Primary NAS Super Restricted NAS Workers |
Non-Network |
50% on Actuals |
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Pre-existing Conditions |
Fully Covered. (For members without continuity of coverage (CoC) in UAE, covered up to AED 250,000.) |
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Physician Consultation (Options) |
DNE Visa Holders: 0/20% with OOP AED 25/50 per consultation Abu Dhabi Visa Holders: AED 0/25/50 per consultation |
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Accommodation |
Private Room |
Shared Room | |
Outpatient Pharmacy (Options) |
100% covered upto AED 10,000/ Annual Limit 80% Covered upto AED 10,000/ Annual Limit |
100% covered upto AED 7,500/ 10,000 / Annual Limit 80% covered upto AED 7,500/ 10,000 / Annual Limit |
90% covered upto AED 2,500/5,000/ 7,500 80% covered upto AED 2,500/5,000/ 7,500 (Restricted to Closed Drug Formulary) |
Maternity* (Options DHA Plans. DOH Plans are covered upto Annual limit) |
Annual Limit/ AED 30,000 / AED 25,000 |
Annual Limit / AED 25,000 / AED 20,000 |
AED 20,000 / AED 15,000 |
Dental Module 1 (Options) |
80% AED 2,000/ 3,000 / 5,000 |
80% AED 2,000/ 3,000 / 5,000 |
80% AED 1,500 / 2,000 |
Out-patient Benefits | Covered | Covered | Covered |
Optical |
100% covered upto AED 500 |
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Alternative Medicine |
20% copay with AED 3,000 |
20% copay with AED 2,500 |
DNE - Basic 20% Copay AED 2500 |
Home Nursing post hospitalization |
AED 200 per day upto 90 days |
AED 200 per day upto 60 days |
AED 200 per day upto 15 days |
Medical Check up |
AED 1,000 |
AED 500 |
AED 500 |
OP Medical Appliances and Equipment |
AED 1,000 |
Not Covered |
Not Covered |
Dialysis |
AED30,000 |
AED25,000 |
Not Covered |
Other DHA Mandated benefits |
Covered |
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.
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