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.
 

You can submit your reimbursement claim either through Daman app or Daman website.

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. 

The basic required documents when you submit a reimbursement claim include an itemized invoice with the breakdown of each medical service, proof of payment and medical report of the diagnosis or description of the symptoms by the doctor.

In addition to the basic documents such as itemized invoice, proof of payment, you will also need to submit Doctor order/referral for physiotherapy and physiotherapist 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 with the discharge summary is required for all hospital admissions and some out-patient services such as therapy e.g., speech therapy and infertility services. If the hospitalizations require surgery additional report such as operative notes  should also be provided. The medical report comprises of  the 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

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

Anyone who is planning to visit any Emirate in the UAE on a visit visa is eligible to purchase Ziyarah plans.

Ziyarah plan offers coverage for emergency inpatient medical conditions only.

Yes, a visitor can buy Ziyarah if he is already in the country.

Yes, 190 days coverage plan is applicable for Golden Visa application.

No, you will need to buy a new Ziyarah plan.

Yes, Emergency hospitalization treatment for Covid-19 is covered.

Emergency hospitalization and in-patient treatment are covered under your plan. Following services are excluded:

1. Cases not requiring hospitalization
2. Quarantine
3. Any outpatient treatment and outpatient pharmaceuticals
4. All types of testing related to Covid-19

Coverage for pre-existing conditions is limited to medical emergency only. Any further treatment after your condition is stabilized is not covered in case of pre-existing condition.

There is no premium and VAT refund under this plan.

Yes, please approach the nearest Daman Branch for assistance.

Yes, you can have your claims paid amount transferred to an international bank account. 

You can file your claim through email travel.claims@damanhealth.ae and in Daman’s branches service or points.

The following are the required documents:

1. Original claim form
2. Copy of your passport
3. Proof of travel (boarding pass, flight tickets etc.)
4. Original itemized invoice with service date
5. Original prescription for medication
6. for procedures exceeding AED 1,000, provide investigation results and/or reports (lab tests, x-ray etc.)
7. Additional requirements for inpatient (hospitalization cases): Original medical report and / or discharge summary stamped and signed by the treating medical practitioner and health care provider maybe requested by Daman’s claims team.

Reimbursement of claims will be finalized within 15 days after successful submission of all required documents.

You must submit your reimbursement form to Daman within 180 days from the last treatment date for services availed in the UAE.

Resubmission or appeal of reimbursement claims in case you disagree with a partially paid or rejected reimbursement claim. You have the right to appeal the decision. You can resubmit your claim with the supporting document(s)/justification(s) within 180 calendar days from the date of notification of partial payment or rejection.

We aim to make your claim reimbursement process as seamless and easy as possible. That’s why, if your claims fall below AED 15,000, you can file your claim by sending an email to  travel.claims@damanhealth.ae or by visiting a Daman branch near you. However, if your claim is AED 15,000 or higher, you will be required to file it at one of our branches.

• Original claim form
• Copy of your Emirates-ID
• Original itemized invoice with service date
• Original prescription for medication
• Investigation results and/or reports (lab tests, x-ray etc.) should be attached for procedures exceeding AED 1,000
• Additional Requirements for Inpatient and Day Care (Hospitalisation Cases): Original Medical Report and/or Discharge Summary stamped and signed by the treating medical practitioner and health care provider. 
• Proof of travel ( boarding pass, flight tickets etc.) 

You must submit your reimbursement form to Daman within 180 days from the last treatment date for services availed outside of the UAE.

Resubmission/Appeal of Reimbursement Claims: In case you disagree with a partially paid or rejected reimbursement claim, you have the right to appeal the decision. You can resubmit your claim with the supporting document(s)/justification(s) within 180 calendar days from the date of notification of partial payment or rejection.

To ensure utmost peace of mind, we ensure that reimbursement of claims are finalized within 15 days after successful submission of all required documents.

We are always happy to help. You can reach the Customer Service team in case of any questions about your claims at +971 2418 4888.

If your claim was rejected because of various reasons, you still have the chance to resubmit your claim, adding missed out documents or new crucial information. Please contact our Customer Service at +971 2418 4888.

The TAT on claim reimbursement is 15 days.

Yes, every UAE resident with a valid Emirates ID is eligible for the Travel Health Insurance plan.

We regret to inform you that the Travel Health Insurance plan must be purchased before you travel out of the UAE. This means you cannot enroll in the policy once you’re already abroad.

Before Inception of Policy, the Policyholder can request for cancellation of the Policy or deletion of the Eligible Person based on the below conditions.

1. Visa is rejected
2. Certified by Physician that Eligible Person is not medically fit to travel. For such cases the Policyholder will be entitled to a refund of premium subject to the deduction of AED 100 per Eligible Person as Administration fee.

Kindly note that for Single Trip Policy, Deletion is allowed only before inception of the Policy.

We always put you first. That’s why, you will be covered for all medical expenses until your state is stabilised and you are fit for travel, even if you have an emergency on the expiry date of your policy.

"Emergency" - The acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at a health facility could reasonably be expected to result in placing the patient’s health or bodily functions in serious jeopardy or dysfunction of any body organ or part.

Any expenses arising due to pregnancy, childbirth, miscarriage or abortion is not covered under your plan, with the exception of any emergency treatment required due to accidental injury.

Only emergency dental treatment is covered under your plan, such as one to relieve immediate pain.

Yes, your plan offers coverage for Medical Evacuation. In case of an emergency if required, you will be transported by the most appropriate mode of transport to the nearest healthcare facility where appropriate medical care is available. All you need to do is contact the emergency assistance service provider at +971 2 418 4888 and they will arrange for the same.

Coverage for pre-existing conditions is limited to medical emergencies only. Any further treatment after your condition is stabilized is not covered in case of a pre-existing condition.

No, medical emergency treatment while travelling within the UAE is not covered under the Alami plan.

No, repatriation to the UAE is not covered.

In case of an emergency where an ambulance is required,

a) Call an Ambulance

b) If you don’t have the ambulance number, you can contact the international assistance company on +971 2418 4888

Yes, if specified in the Schedule of Benefits, a member will be eligible for Covid-19 treatment under the Alami plan.

Emergency hospitalization/In-patient treatment is covered under the Alami plan. However, the following services are excluded: (1) Case not requiring Hospitalization (2) Any Quarantine (3) Any outpatient treatment and outpatient pharmaceuticals, (4) All types of testing related to Covid-19.

Members should mandatorily conduct the PCR test for COVID-19 within 96 hours of the flight along with a subsequent medical report confirming negative results.

All types of testing related to Covid-19 are excluded under the Alami plan.

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.

If you claims falls below AED 15,000, you can file your claim through email travel.claims@damanhealth.ae and in Daman’s branches. If your claim is AED 15,000 or higher, please file it at one of our branches.

• Original claim form
• Copy of your Emirates-ID
• Original itemized invoice with service date
• Original prescription for medication
• Investigation results and/or reports (lab tests, x-ray etc.) should be attached for procedures exceeding AED 1,000
• Additional Requirements for Inpatient and Day Care (Hospitalisation Cases): Original Medical Report and / or Discharge Summary stamped and signed by the treating medical practitioner and health care provider.
• Proof of travel ( boarding pass, flight tickets etc.)

You must submit your reimbursement form to Daman within 180 days from the last treatment date for services availed outside of the UAE.

Resubmission/Appeal of Reimbursement Claims - in case you disagree with a partially paid or rejected reimbursement claim, you have the right to appeal the decision. You can resubmit your claim with the supporting document(s)/justification(s) within 180 calendar days from the date of notification of partial payment or rejection.

Reimbursement of claims will be finalized within 15 days after successful submission of all required documents.

Kindly contact the Customer Service team in case of any questions about your claims: 

+971 2418 4888

After your claim was rejected because of various reasons, you still have the chance to resubmit your claim, adding missed out documents or new crucial information. Please contact our Customer Service: +971 2418 4888.

The TAT on claim reimbursement will be 15 days

Yes every UAE resident with a valid Emirates ID is eligible.

No, Travel health insurance plan must be purchased before you travel out of the UAE.

Before Inception of Policy, Policyholder can request for cancellation of the Policy or deletion of the Eligible Person based on the below conditions.

1. Visa is rejected
2. Certified by Physician that Eligible Person is not medically fit to travel. For such cases Policyholder will be entitled to a refund of premium subject to the deduction of AED 100 per Eligible Person as Administration fee.

Kindly note that for Single Trip Policy, Deletion is allowed only before inception of the Policy.

The  coverage is for 90 days from the policy effective date selected by customer and applicable for a single trip only. Any treatment starting after the expiry date of policy is not covered. 

Yes, you will be covered for all medical expenses until your state is stabilised and you are fit for travel.

"Emergency" - The acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at health facility could reasonably be expected to result in placing the patient’s health or bodily functions in serious jeopardy or dysfunction of any body organ or part.

Any expenses arising due to pregnancy, childbirth, miscarriage or abortion is not covered under your plan exception any emergency treatment required due to accidental injury. 

Only emergency dental treatment is covered under your plan.
Example: to relieve immediate pain only 

Yes, Your plan offers coverage for Medical Evacuation. In case of an emergency if required, you will be transported by the most appropriate mode of transport to the nearest healthcare facility where appropriate medical care is available. Please contact emergency assistance service provider at +971 2 418 4888 and they will arrange for the same.

Coverage for pre-existing conditions is limited to medical emergency only. Any further treatment after your condition is stabilized is not covered in case of pre-existing condition.

No, medical emergency treatment while travelling in the UAE is not covered.

No, repatriation to the UAE is not covered.

In case of emergency, 
a) Call an Ambulance
b) If you don’t have the ambulance number, call on international assistance company on +971 2418 4888

For an insured member, in cases of medical necessity at the recommendation of the treating doctor extra charges for the room for one companion accompanying the insured member in hospital will be covered up to a maximum limit as described in Schedule of Benefits. This benefit can be availed on reimbursement basis only.

To be eligible for the Madeed plan, you must fall under the following criteria:

• Be a holder of a Retirement Visa issued by the General Directorate of Residency and Foreigners Affairs (GDRFA-Dubai)
• Be at least 55 years old if you are the principal member of the policy

Yes, dependents sponsored by Retirement Visa holders are eligible to be enrolled in this plan.

You can buy a Madeed plan at Daman branches, online through the website and with the help of insurance brokers. You can also reach us through our call centers 24/7 and we will ask one of our sales representatives to contact you. 

You can choose from 3 plan options under Madeed. Plans vary in terms of network, geographical coverage and other benefits:

• Madeed Bronze
• Madeed Silver
• Madeed Gold

Depending on the plan option, there are 3 geographical coverage options to choose from:

• UAE (Madeed Bronze)
• UAE and home country (HC) (Madeed Silver)
• Worldwide (WW) (Madeed Gold)

Yes, Non-Network coverage is offered under Madeed Plans, as specified in the plan Schedule of Benefits (SOB) on a reasonable and customary basis

At the time of application, you can request to add dental and optical benefits under your Madeed plan.

Your premium will vary according to your age and the plan option you have chosen.  Our Daman sales representative will guide you accordingly to find a reasonable coverage and premium that meet your needs.

Yes, pre-existing conditions declared in the Individual Application Form (IAF) are covered up to a maximum of AED 150,000.

The Madeed plan is offered with 3 different pharmacy option limits as follows:

• AED 3,000 (Madeed Bronze)
• AED 5,000 (Madeed Silver)
• AED 10,000 (Madeed Gold)

Yes, the Medical check-up benefit is covered under the Madeed Silver and Madeed Gold plans.

Pandemics/epidemics are excluded under the Madeed plan. However, as directed by the Dubai Health Authority (DHA), treatment for COVID-19 is covered under the Madeed plan till further notice.

Yes, to encourage wellbeing your Madeed plan offers a screening benefit for:

• Annual Breast Cancer Screening
• Annual Prostate Cancer Screening
• Colorectal Cancer Screening
• Cervical Cancer Screening
• Hepatitis C Virus Screening

Your policy duration is 1 year (annual contract) and can be renewed on an annual basis.

No, the Madeed plan is available only for Retirement Visa holders issued by the GDRFA-Dubai.

Previously, Thiqa offered 90% coverage in Dubai and Northern Emirates. With the recent changes, Thiqa will not be offering coverage in Dubai and Northern Emirates.

Due to the recent changes to your Thiqa plan coverage, there are certain benefits which are no longer covered. That's why we have extended your Thiqa Top-Up coverage so you can continue to enjoy the best healthcare services through our broad network of partners, including hospitals, health centres, clinics and pharmacies.
Previously, Thiqa used to offer 90% coverage in Dubai and the Northern Emirates, while 10% was under your Thiqa Top-Up plan. However, since Thiqa does not cover these networks anymore, the full 100% will be covered under your Top-Up plan.

If you already have a Thiqa Top-Up plan, you do not need to buy a new one. The benefits will be offered automatically until your Thiqa Top-Up policy expires. You will only need to buy a new Thiqa Top-Up plan upon renewing your policy.

No, there is no change in your Thiqa Top-Up plan non-network coverage. You will continue to be covered as per your plan terms and conditions on a reimbursement basis.

Your Top-Up plan should complement your Thiqa coverage. Hence, if your Thiqa category has been changed, you should buy a new Thiqa Top-Up plan that is applicable to your new category. Please note that additional premium may be applicable.
 

If your eligibility in your current Thiqa Top-Up plan has changed, you will get a refund as per policy terms and conditions.

Yes, various territorial coverage options are offered under Thiqa Top-Up plans, which you can opt for depending on your needs.

In order to offer cost-effective Health insurance solutions, Maternity, Dental and Optical benefits are not offered under Thiqa Top-Up plans.

Thiqa Top-Up plan prices vary according to your age and the type of product you choose. A member of our sales team will provide you with a number of plans and their prices so you can choose one that is best suited to needs.

Buying a Thiqa Top-Up plan is easy. Simply visit the Daman website to log your request to buy a Thiqa Top-Up plan here:
Select Enhanced Plan as the type of request, provide the required information in the form and submit it. One of our sales representatives will get in touch with you to complete your application.

For a new application, you will need to submit the following documents:

• Individual enhanced application form (Download from)
• Valid Passport copy
• Valid Emirates ID copy
• Valid Thiqa card
• Medical examination form (for 61 years old and above & 6 months old and below, declared conditions) as and when required.
• Signed quotation

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.

The Golden Visa Insurance is a selection of comprehensive health insurance plans available for golden visa applicants to fulfill the health insurance required under the “Thrive in Abu Dhabi Programme.” For more information about the United Arab Emirates Golden Visa, click here

The Golden Visa Insurance is available for United Arab Emirates Golden Visa applicants and their dependents who do not have an existing health insurance coverage.

Primary applicants are requested to submit the following documents:

• Individual Enhanced Application Form
• Additional medical reports, if required

Your premium will vary according to your age and the plan option you have chosen. Our Daman sales representatives will guide you accordingly to find a reasonable coverage and premium that meet your needs.

You can buy a Golden Visa Insurance plan at Daman branches or online through the website. You can also reach us through our call centers 24/7 and we will ask one of our sales representatives to contact you.

Your policy duration is 1 year (annual contract) and can be renewed on a yearly basis.

A six-month visit visa insurance plan – “Ziyarah,” is also available for golden visa applicants living abroad who have applied for a six-month visa to visit United Arab Emirates to complete their golden visa application documentation and processing.

• Medical Health Declaration for 2-5 Expat employees*
• If you’re a WIO Bank Customer and a Small and Medium Enterprise (SME) with 2 employees to 150 members, then you qualify for our Uselect health insurance plans.
• No Medical Health Declaration for SMEs with 6-150 Expat employees*

* Valid till age of 59-60 and above age, employees need to be individually priced

• 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 for WIO Bank Customer at WIO Bank mobile app, Daman branches or through Daman website.

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.

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

Yes, to avail this “Uselect Plans for WIO Bank Customers” offer , customer must make the payment using a WIO Bank Debit card or Bank account transfer using the WIO Bank mobile app.

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

If you’re a Company with up to 10 employees and their dependents (including investors), then you qualify for our Value Choice health insurance plans.

• There are three different plan options under Value Choice - Gold, Silver, Bronze.
• You can customize your plan by selecting the benefits and the coverage limit. These include network, territory, optical, dental and many more.
• It is a pocket-friendly plan with co-insurance and other cost sharing options

You can buy a Value Choice plan at Daman branches, from the Daman website or with the help of our insurance brokers

Yes, we can include families in the Value Choice plans provided you are a dependent, and/or the principals are a part of the company as defined in the eligibility criteria.

Yes, pre-existing conditions are covered under the Value Choice plan up to a specified limit, if you have declared the same in your application form

Yes, medical reports are required in below mentioned scenarios, such as:

• For members 61 years and above
• For newborns up to 6 months of age
• As and when requested by Daman

Up to a maximum of two Plan Choices (Categories) can be opted for under your Value Choice plan, subject to having a clear categorization criterion based on hierarchy. Please note, principals and dependents will need to be enrolled in the same category. 

No, your network will depend on the location where your trade license has been issued.  If your company is registered in the Emirate of Abu Dhabi, then your coverage will be under the Daman Network. If your company is registered in the Emirate of Dubai or Northern Emirates, your coverage will be under the NAS network

• In case your plan is under the Daman network, you can submit your claim either through the Daman mobile app or the Daman website
• In case your plan is under the NAS network, you can submit your claim either through the NAS mobile App or the NAS website

For any complaints, members need to directly contact the NAS through following channels:

• Telephone: 800-2311 (Toll Free 24-7 Call Center)
• Email: complaints@nas.ae
• MyNas Mobile App: Member will be required to register first before being able to log a complaint
• NAS Website: https://www.nas.ae/complaints/

You can reach us through our call center 24/7 on 600-5-32626 or email us at customerinfo@damanhealth.ae

The Daman GEB Trust is both a Gratuity Benefit Scheme in line with the local End of Service Benefits obligations in the UAE, and an Employee Savings Plan that can accommodate contributions from you & your employees via salary sacrifice. 

Once invested within the plan, there is a clear segregation of assets regarding each separate pot – be it Employer Gratuity, or Employee Savings Plan.

Each pot can then be invested in several different options, from self-selected funds to risk-based portfolios, or simply left in cash if desired. With the levels of flexibility offered, you and your employees can decide exactly how you wish to invest your respective balances.

We also offer flexible payment methods in terms of funding your liability, with the ability to increase or reduce this at any time, at no additional cost.

Your Employees can fund their savings plan via salary sacrifice at their leisure, and stop or restart this at any time with no additional costs in doing so.
 

The plan provides your employees peace of mind with regards to their gratuity rights, by transferring the assets within a Trust-based Scheme established purely for the purpose of managing gratuity (and Employee Savings balances).

We also offer flexible payment methods in terms of funding your liability, with the ability to increase or reduce this at any time, at no additional cost.

If you’d like to get more information, contact our team here on (GEBTinquiry@damanhealth.ae/+971 24184433), and we will be more than happy to assist in any way we can.

Praxis is an independent, leading provider of bespoke private wealth and corporate administration services to companies, individuals and families across the world.

Established locally within the UAE in 2016, regulated by Abu Dhabi Global Market, and with offices in both Dubai and Abu Dhabi. 

For Praxis, their clients’ interests are at the forefront of everything they do. They are focused on delivering excellence in client service at every opportunity. A consistent quality of thinking that has shaped their reputation for innovation and proven delivery for over 50 years.

If you are looking to join the Daman GEB Trust please contact GEBTinquiry@damanhealth.ae/ +971 24184433).

The process is simple and straightforward. The team will provide you with our application form and ask a few questions to get an idea of your liability obligations. This will allow us to provide you an initial calculation on your gratuity liability.

To proceed, just complete the application form and return to our administrators alongside the supporting due diligence and company documentation outlined within this, and we can get this set up for you – simple!

If you are an existing Daman client and looking to join the Daman GEB Trust please contact your existing Daman Sales Manager.

The process is simple and straightforward. The team will provide you with our application form and ask a few questions to get an idea of your liability obligations. This will allow us to provide you an initial calculation on your gratuity liability.

To proceed, just complete the application form and return to our administrators alongside the supporting due diligence and company documentation outlined within this, and we can get this set up for you – simple!

To set up the Plan, there is an initial fee of $12,000.

The annual starting charge of the Plan is 1% of the total assets under administration, which reduces on a sliding scale determined by the value of the Assets, to a rate of just 0.45%.

Employees who decide to contribute via Salary Sacrifice will also be charged a flat-rate fee of $20.00 per annum, paid $5.00 quarterly.

This is not inclusive of any underlying investment fees and charges and all fees are subject to VAT.

You can pause contributions at any time that suits you – there are no charges for pausing or restarting contributions.

Once your company has set up the plan with us, it’s a simple matter of then providing a list of your Employees Emirates ID numbers, their start date, current salary and should they wish to contribute via the Salary Sacrifice method, their rate of contribution.

When the employees have been accepted as members of the plan and funds have then been transferred, your eligible employees will then receive their log-in details to the portal.

They will need to go through their account-opening process. Once done, they will then have access to the portal.

There is no need for employees to contribute to the Plan. If they decide to, this is funded via salary sacrifice from the employment payroll.

The Scheme cannot accept direct contributions from employees.

Employers can also contribute to the savings plan for the employees – either for all or select persons/groups of employees.

The Gratuity Benefits are calculated using the Federal Laws as applicable within the UAE for Gratuity provision, specifically Labour Law No. 8 of 1980, as updated under Article No. 33 of 2021.

This is calculated as follows:

• If an employee works for less than one year, they are entitled to no gratuity pay.
• If an employee works for more than one year but less than five years, they are entitled to a gratuity pay of 21 day’s salary for each year of work.
• If an employee works for over 5 years, they are entitled to a gratuity pay of 30 day’s salary for each year of work.

This is capped at 2 years of salary, equating to approximately 18 years of service.

The Daman GEB Trust calculates the gratuity liability on a daily basis. Although gratuity is not payable within the first year of service, the calculation method smooths the funding curve by accruing for all employees from their first day of service.

The payable liability is based on the employee’s basic salary only (excluding benefits, which are not considered) at the time of leaving.

The UAE Labour Law statute can be found here.

If you want to know your approximate Gratuity Liability, we can look in to providing you with a simple illustration to aid you.

We will ask a few simple questions such as employee start dates and their monthly wage. This will allow us to create a calculation to help give you an idea of your current liability.

Upon joining the Scheme, we will provide a more in-depth illustration and analysis of the current and increasing liability.

If you’d like to get a quick calculation for this, contact our team here.

There is an annual minimum funding of 1 million AED.

The primary purpose of the Plan is to fund the company’s Gratuity Liability. If you wish to close the Plan, kindly contact us on DamanGEB@Praxisgroup.com.

The Plan has been established for funding and administering an employer’s Gratuity liability in line with the UAE Labour Law. Withdrawals from the Plan are only permitted on the basis of making gratuity payments to departing employees.

Employees utilising the employee savings element of the Scheme can withdraw their Employee Savings element at their request.

There are many options, ranging from cash to term deposits, or using actively managed risk-rated portfolio funds, to self-selecting an investment portfolio from a diverse range of investment funds with fees as low as 0.2% per annum.

Employers can select the investment they prefer for their funded Gratuity Liability. Employees will have no control over what the Employer Gratuity Liability is invested in, and likewise the Employers will have no influence over the Employee Savings elements.

Both Daman and Praxis are not licensed or regulated to provide any investment advice. Any investment options selected are done so entirely by the participating Employer & Employee.

If your Employee has left service, they have a few options, depending on whether they are using the Employee Savings element of the plan or not.

If they are NOT using the Employee Savings element, you will need to notify us of the Employee’s end of service date, so we can return the respective Gratuity Liability to you for onward distribution to the Employee.

If a company has not fully funded their liability, they can use their corporate cash flow rather than withdraw from the Plan. This will permit you to quickly pay your obligations whilst permitting your Plan to continue to grow to meet its total liability.

If the departing employee has contributed to the Employee Savings element, the options are as follows:

• Employee may request the End of Service Benefit as a cash lump sum, in which case the Plan will issue the respective balance to you for payment onwards to the employee, or,
• Employee may request that the End of Service Benefit is added into their Employee Savings account. If this option is selected, the balance will be transferred from your employer account directly to the employee’s.

The employee is under no obligation to leave the plan, they can remain invested and withdraw from the plan as and when they want. However, they will not be permitted to make any further contributions.

Please contact us on damangeb@praxisgroup.com with the following information so we can outline the next steps:

• Name of Employee
• Death Certificate

Our administrators will then assist you. Note that we will issue gratuity liabilities back to the employer to distribute to the employee’s beneficiaries.

As the Plan is established under trust, should the trustee Company go into administration, your assets are protected, and the Trust will be transferred to another Trustee for ongoing management.

Given the legal protections and segregation applied by the Trust, the assets are fully ring-fenced and are unable to be used for any purpose aside from the provision of the gratuity & employee benefits.

Praxis, Daman nor creditors have the ability to use Plan Assets in the event of the Trustees going into administration.

Praxis are the licensed and regulated Trustee of the Plan. The company is regulated by the Abu Dhabi Global Market regulator, the Financial Services Regulatory Authority.

Trustee services include ensuring the funds within the Plan are used only as per the Plan’s Trust Deed. This forms the “rules” of what the Plan can and cannot do.

Praxis also acts as the Administrators of the Plan, having experience of almost 50 years in providing administration of similar offerings globally. This includes providing the underlying servicing and management of the Plan itself.

Your funds will be held within the Trust, and from there you can decide what underlying investments are held. This can be local cash deposits with UAE banks, to retail investment funds within the EU, UK or USA.

Investment decisions will always be made by you, as neither Praxis or Daman are licensed or regulated to provide any investment advice. We will never make any investment decisions on your behalf.

You can opt to simply leave your balance entirely in cash should you prefer, within either local bank deposits within the UAE, or retail liquidity funds within the EU.

Praxis have been in operation for over 50 years, in over multiple countries worldwide, and are licensed and regulated to provide a number of services, including Trustee, Corporate and Private Client services.

Within the UAE, Praxis is licensed by the Financial Services Regulatory Authority for the purpose of Trust Services.

Our company information, including our regulatory details, can be found here.

Trusts are created by an individual or entity transferring assets (and therefore being a Settlor or Grantor of the Trust), such as property, cash or chattels, to a third party, who will manage the assets for the Settlor’s beneficiaries.

Legal ownership and control is retained by appointing a Trustee, who will manage the assets in the interests of the Settlor’s beneficiaries.

In short, a Trust is set up by a Settlor, managed by a Trustee, and benefits the beneficiaries.

Abu Dhabi Global Market, or “ADGM”, is an international financial centre and Free Zone located within Abu Dhabi .

The financial centre was established in 2013 and operational by 2015, and is considered an independent jurisdiction within the UAE which includes its own laws and regulations.

The Financial Regulator of the ADGM, the Financial Services Regulatory Authority, or “FSRA”, provides regulatory oversight to Trustee companies. PraxisIFM Trust Ltd has been licensed by FSRA for Trustee provisions since 2016.

Both Praxis and Daman are unable to provide any investment advice. Any investment decisions must be taken by yourself. If you are uncertain as to what investments are most suitable for you, we would recommend that you seek dedicated Financial Advice on this matter.

Investment return is determined by the performance of the investments you have selected. Return can be affected by the risk profile selected, investment horizon and the nature of the investment itself.

Investments involve risk. Your investment value can go down as well as up, and you may not receive back the amount you originally invested if your investments have underperformed.

Praxis cannot confirm nor guarantee any investment returns. Any investment decisions are made wholly by yourself, at your own discretion or with the advice of a suitable financial professional.

It is prudent to note that investment returns are never guaranteed, and that any illustration provided by Praxis is for reference purposes only.

Past performance of investments is also not indicative of potential future returns.

Your investments and contributions can be monitored via your investment portal 24/7, which can be accessed here.

The Plan provides employer reporting on a quarterly basis. This reporting will detail how much of your liability has been funded, how long it will take to fund the remainder liability, and how many of your employees are utilising the Savings Plan.

Employers only need to provide the monthly datasheet, alongside their funding obligations.