Daman - Value Choice plans

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Be certain of your employee’s healthcare plan

Choose a simplified package that adds the kind of value employees appreciate.

As a small business investor, owner of a company in a freezone, or freelancer, you want to reduce risks when it comes to taking care of your health, your dependents’ health or the health of your employees.

Value Choice by Daman is easy to follow and offers variety of benefits that’s gives you many options to choose from.

Value Choice, Flexible Coverage.

Covers 1 to 10 employee and their dependents
Ideal for Freezone companies, Freelancers, Consulting firms, Small businesses etc.
Easy online enrolment and flexible coverage with a variety of plans
Enjoy the flexibility to select network providers or co-insurance limit to reduce premium

Buy now

Value Choice plans for Emirates of Abu Dhabi/ Emirates of Dubai & Northern Emirates

View our plans based on your visa issuing place below

Plans/ Benefits	Value Choice Gold	Value Choice Silver	Value Choice Bronze
Annual Limit	AED 2,500,000	AED 750,000	AED 500,000
Network (Options)	Comprehensive2 (147 Hospitals,1090 Clinics,1163 pharmacies)	Comprehensive5 (Hospitals - 119, Pharmacies - 1061, Others - 1587)	Essential 5 (Hospitals - 109, Pharmacies - 1133, Others - 994) Narrow (41 Hospitals, 294 Clinics, 675 pharmacies
Area of Coverage	Worldwide excluding USA	UAE extended to UAE extended to Southeast Asia, Indian Subcontinent and Arab Countries for Inpatient treatment only	UAE extended to Home country (if home country part of Southeast Asia, Indian Subcontinent and Arab Countries) for IP treatment only.
Non-network (Reimbursement outside Network)	50% covered
Pre-existing Conditions	Covered up to AED 1,000,000	Covered up to AED 500,000	Covered up to AED 250,000
Out-Patient Co-insurance	Physician consultation: AED 50 per consultation Outpatient Pharmacy – 20% or Nil	Physician consultation: AED 50 per consultation Outpatient Pharmacy – 20%	Physician consultation: AED 50 per consultation Outpatient Pharmacy – 20%
Outpatient Pharmacy	AED 10,000	AED 7,500	AED 5,000 (Restricted to Closed Drug Formulary)
Maternity	Up to Annual Limit	Up to Annual Limit	Up to Annual Limit
Home Nursing	AED 200 per day upto 90 days	AED 200 per day upto 60 days	AED 200 per day upto 15 days
OP Medical Appliances and Equipments	AED 1,000	X	X
Dialysis	AED 30,000	AED 25,000	X
Dental and Optical	Additional Benefits

Plans/ Benefits	Value Choice Gold DNE	Value Choice Silver DNE	Value Choice Bronze DNE
Annual Limit	AED 2,500,000	AED 750,000	AED 500,000
Network (Options)	NAS General (Hospitals - 136, Pharmacies - 2228, Others - 1889)	NAS Restricted (Hospitals - 90, Pharmacies - 2214, Others - 1465)	NAS Super Restricted (Hospitals - 51, Pharmacies - 2110, Others - 1200) NAS Workers (Hospitals - 45, Pharmacies - 2107, Others - 1073)
Area of Coverage	Worldwide excluding USA	UAE extended Southeast Asia, Indian Subcontinent and Arab Countries for Inpatient treatment only	UAE extended to Home country (if home country part of Southeast Asia, Indian Subcontinent and Arab Countries). Emergency: Southeast Asia, Indian Subcontinent and Arab Countries for IP treatment only
Non-network (Reimbursement outside Network)	50% covered
Pre-existing Conditions	Covered up to AED 1,000,000	Covered up to AED 500,000	Covered up to AED 160,000
Out-Patient Co-insurance	Physician consultation: 20% with OOP AED 50 per consultation Outpatient Pharmacy – 20% or Nil	Physician consultation: 20% with OOP AED 50 per consultation Outpatient Pharmacy – 20%	Physician consultation: 20% with OOP AED 50 per consultation Outpatient Pharmacy – 20%
Outpatient Pharmacy	AED 10,000	AED 7,500	AED 5,000 (Restricted to Closed Drug Formulary)
Maternity	AED 25,000	AED 20,000	AED 15,000
Home Nursing	AED 200 per day upto 90 days	AED 200 per day upto 60 days	AED 200 per day upto 15 days
OP Medical Appliances and Equipments	AED 1,000	X	X
Dialysis	AED 30,000	AED 25,000	X
Dental and Optical	Additional Benefits

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

Value Choice Plans FAQs

1.How do I know if I am eligible for Value Choice?

2.As a company owner, what benefits do I get from Value Choice?

3.Where can I buy my Value Choice plan?

4.Can I also include my family in the Value Choice plan?

5.Are pre-existing conditions covered under the value Choice plan?

6.Is a medical report required for members during plan enrollment?

7.What is the maximum number of Value Choice plans allowed under each Company policy?

8.Do I have the option to request Daman in-house or NAS network?

9.How do I submit my claims?

10.If a member has a NAS network, do they still need to contact Daman for any escalation, or should they contact NAS directly?

11.Whom do I contact for more information about Value Choice?