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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
Pre-existing Conditions	Fully Covered. (For members without continuity of coverage (CoC) in UAE, covered up to AED 250,000.)
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
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
Alternative Medicine	20% copay with AED 3,000	20% copay with AED 2,500	DNE - Basic 20% Copay AED 2500 AUH - Not Covered
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.

Uselect Plans For Small and Medium Enterprises (SME)

Sme FAQs

1.How do I know I qualify for Uselect

2.As an SME owner, what benefits do I get from Uselect?

3.Where can I buy a Uselect plan?

4.Can I buy Uselect plans for me and my family?

5.How many plan options are offered under Uselect?

6.Can I request for additional benefits under the Uselect plan?

7.Are pre-existing conditions covered under the Uselect plan?

8.Is a medical report required for members during plan enrolment?

9.Is the medical check-up benefit covered under the Uselect plan?