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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, you want to reduce risks when it comes to taking care of your staff. Value Choice by Daman is easy to follow and offers the flexibility of choosing the ideal breadth of cover.

Value Choice. Flexible Coverage.

  • Easy online enrolment process
  • Enjoy the flexibility of coverage with a variety of plans
  • Enjoy the flexibility to select annual limit to network selection and many more
  • Ensure value for money with cost control options like co-insurance
  • Choose an optimized provider network that suits your needs locally or and globally

 

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

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:

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

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.