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Thiqa Top-Up

Daman is offering Thiqa Top-Up plans that will extend, compliment, and cover the benefits that have been excluded under Thiqa programme.

Thiqa Top-Up offers the best healthcare services through our broad network of partners, hospitals, health centers, clinics, and pharmacies.


Thiqa Top-Up Request Quote
Thiqa Top-Up Coverage
  • Up to AED 20,000,000 Annual Limit
  • Largest coverage network in the UAE
  • Northern Emirates and Worldwide Coverage
  • 100% coverage on direct billing
  • 100% public and private facilities coverage
  • 100% coverage on elective procedures
Thiqa Top-Up Benefits
  • Dialysis
  • Vaccinations
  • Medical Equipment
  • Psychiatric treatment
  • Nutrition counseling (within UAE)
  • Rehabilitation
  • Infertility treatment
  • Maternity care
  • Dental
  • Optical

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