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.