The changes are being made in line with the ongoing efforts to ensure that all community members receive continued access to the highest quality of care. The changes will also enhance efficiency in the delivery of healthcare services within the emirate, in accordance with best practices and international standards.
Out-of-pocket expense is now AED 200 per encounter with an annual aggregate Out-of-pocket limit of AED 500.
The coverage for medicines and pharmaceutical products remains the same, equal to 70% coverage within the policy’s network providers list, a deductible value of 30%, and a total coverage value of AED 1,500.
Previously, there was a deductible of AED 10 for lab tests and AED 10 for diagnostics. Now, there will be a 20% co-pay with a maximum amount of AED 50, including radiology.
The changes will take effect on the 1st of July 2024.
These changes aim to ensure the sustainability of the programme and the continuity of the coverage for all the eligible categories and age groups, while maintaining access to quality care, which aligns with the evolving needs of individuals and families living in Abu Dhabi.
There is no changes in the current Basic Network. Policyholders can continue to access services from the existing network providers which comprises over 1,250 providers offering outpatient, inpatient, and emergency services in the various regions of the emirate of Abu Dhabi.
Access to quality healthcare providers remains unchanged through this update; however, Daman and the Department of Health constantly update the network as part of their regular network review.
The coverage for medicines and pharmaceutical products remains the same equaling a 70% coverage within the network providers list of the policy with a deductible value of 30%, and a total coverage value of AED 1,500.
For a new application, you will need to submit the following documents:
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.
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.
In order to offer cost-effective Health insurance solutions, Maternity, Dental and Optical benefits are not offered under Thiqa Top-Up plans.
Yes, various territorial coverage options are offered under Thiqa Top-Up plans, which you can opt for depending on your needs.
If your eligibility in your current Thiqa Top-Up plan has changed, you will get a refund as per policy terms and conditions.
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.
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.
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.
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.
Non-network treatment is not covered under Flexi Health Insurance except in case of Emergency
treatment.
Yes, maternity is covered under Flexi Health Insurance plan:
Maximum Annual benefit limit per delivery (inclusive of co-insurance):
Outpatient maternity includes:
Yes, Flexi Health Insurance plan offers coverage for inpatient and outpatient treatment. Network
Hospitals offers coverage for inpatient and emergency treatment only. Outpatient treatment and GP
consultations are covered at network Clinics/Primary Healthcare Centres (PHC) only.
No premium refund will be allowed for member deletion or policy cancellation.
Flexi Health Insurance plan is offered at AED 750 across all age bands and gender for standard risks.
Sub-standard risks will be medically underwritten, and premium will shared accordingly by Daman.
Yes, medical reports are required in below mentioned scenarios, such as:
Yes, medical declaration is required to enrol under Flexi Health Insurance plan. Member must fill
individual application form irrespective of the group size.
Pre-existing conditions are covered only if declared on the application form.
Below listed pre-existing conditions are covered with 6 months waiting period. The waiting period
applies to Inpatient treatment only for the following medical conditions:
No waiting period applicable if pre-requisition of uninterrupted (pre-) coverage is fulfilled.
You can submit your quote request on Daman website, our customer representative will be contact
and guide you with the next steps.
No, reference to eligibility guidelines set by Department of Health (DoH), ‘Flexi health insurance’ plan
is not offered for Retirement visa holders.
Yes, subject to eligibility guidelines, you can opt for ‘Flexi Health Insurance’ plan at the time of
renewal. Please note your application will be subject to medical underwriting.
Abu Dhabi Visa Holders under following categories:
Few Examples:
Note: Sponsor Salary should be above AED 5,000 to enrol their dependents under Flexi Health
Insurance Plan.
A six-month visit visa insurance plan – “Ziyarah,” is also available for golden visa applicants living abroad who have applied for a six-month visa to visit United Arab Emirates to complete their golden visa application documentation and processing.
Your policy duration is 1 year (annual contract) and can be renewed on a yearly basis.
You can buy a Golden Visa Insurance plan at Daman branches or online through the website. You can also reach us through our call centers 24/7 and we will ask one of our sales representatives to contact you.
Your premium will vary according to your age and the plan option you have chosen. Our Daman sales representatives will guide you accordingly to find a reasonable coverage and premium that meet your needs.
Primary applicants are requested to submit the following documents:
Individual Enhanced Application Form
Additional medical reports, if required
The Golden Visa Insurance is available for United Arab Emirates Golden Visa applicants and their dependents who do not have an existing health insurance coverage.
The Golden Visa Insurance is a selection of comprehensive health insurance plans available for golden visa applicants to fulfill the health insurance required under the “Thrive in Abu Dhabi Programme.” For more information about the United Arab Emirates Golden Visa, click here
No, the Madeed plan is available only for Retirement Visa holders issued by the GDRFA-Dubai.
Your policy duration is 1 year (annual contract) and can be renewed on an annual basis.
Yes, to encourage wellbeing your Madeed plan offers a screening benefit for:
Pandemics/epidemics are excluded under the Madeed plan. However, as directed by the Dubai Health Authority (DHA), treatment for COVID-19 is covered under the Madeed plan till further notice.
Yes, the Medical check-up benefit is covered under the Madeed Silver and Madeed Gold plans.
The Madeed plan is offered with 3 different pharmacy option limits as follows:
Yes, pre-existing conditions declared in the Individual Application Form (IAF) are covered up to a maximum of AED 150,000.
Your premium will vary according to your age and the plan option you have chosen. Our Daman sales representative will guide you accordingly to find a reasonable coverage and premium that meet your needs.
At the time of application, you can request to add dental and optical benefits under your Madeed plan.
Yes, Non-Network coverage is offered under Madeed Plans, as specified in the plan Schedule of Benefits (SOB) on a reasonable and customary basis
Depending on the plan option, there are 3 geographical coverage options to choose from:
You can choose from 3 plan options under Madeed. Plans vary in terms of network, geographical coverage and other benefits:
You can buy a Madeed plan at Daman branches, online through the website and with the help of insurance brokers. You can also reach us through our call centers 24/7 and we will ask one of our sales representatives to contact you.
Yes, dependents sponsored by Retirement Visa holders are eligible to be enrolled in this plan.
To be eligible for the Madeed plan, you must fall under the following criteria: