

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) |
|
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) |
|
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