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Individual Travel Insurance FAQ

How can I have my medical emergency claims reimbursed?

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  [email protected] 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.

How much time do I have to submit my claims after the treatment is done?

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.

How long does a reimbursement claim usually take to be processed and reimbursed?

To ensure utmost peace of mind, we ensure that reimbursement of claims are finalized within 15 days after successful submission of all required documents.

Where can I get information referring to the status of my claims?

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.

My reimbursement claim has been rejected. What can I do if I want to resubmit my claims?

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.

What is our TAT for Reimbursement Claims?

The TAT on claim reimbursement is 15 days.

I am a UAE resident. Am I eligible for the Travel Health Insurance plan ?

Yes, every UAE resident with a valid Emirates ID is eligible for the Travel Health Insurance plan.

Can I enroll in the policy when I am already abroad?

We regret to inform you that the Travel Health Insurance plan must be purchased before you travel outside of the UAE. This means you cannot enroll in the policy once you’re already abroad.

Can I cancel my policy?

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.

Will I be covered if I have an emergency on the expiry date of my 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.

What is an emergency?

“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.

Is emergency treatment related to maternity covered (pre-labor, complications)?

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.

Is dental covered under this plan ?

Only emergency dental treatment is covered under your plan, such as one to relieve immediate pain.

Is Medical Evacuation covered under my plan?

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.

Are pre-existing conditions covered under my plan?

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.

Is the Alami plan coverage applicable for emergency treatment inside the UAE?

No, medical emergency treatment while travelling within the UAE is not covered under the Alami plan.

Is repatriation to the UAE in a medical emergency covered?

No, repatriation to the UAE is not covered.

I need an ambulance to go to the next medical facility? What should I do?

In case of an emergency where an ambulance is required,

  1. Call an Ambulance
  2. If you don’t have the ambulance number, you can contact the international assistance company on +971 2418 4888

Does Alami Plan cover medical emergencies as a result of Covid-19?

Yes, if specified in the Schedule of Benefits, a member will be eligible for Covid-19 treatment under the Alami plan.

What Covid-19 related medical services are covered under 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.

What documentations are the prerequisite for a member to be eligible for 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.

Are the mandatory COVID-19 tests covered under Alami plan?

All types of testing related to Covid-19 are excluded under the Alami plan.

Am I eligible to purchase Ziyarah plan?

Anyone who is planning to visit any Emirate in the UAE on a visit visa is eligible to purchase Ziyarah plans.

What coverage does Ziyarah plan offer?

Ziyarah plan offers coverage for emergency inpatient medical conditions only.

Can I buy the insurance if I am already inside the UAE?

Yes, a visitor can buy Ziyarah if he is already in the country.

I am applying for UAE Golden Visa, which requires me to submit a 6 month travel insurance plan. Can I purchase the 190 days plan for Golden Visa application?

Yes, 190 days coverage plan is applicable for Golden Visa application.

Can I renew my Ziyarah plan after the expiry date?

No, you will need to buy a new Ziyarah plan.

Does the plan cover Covid-19 treatment?

Yes, Emergency hospitalization treatment for Covid-19 is covered.

What are the medical services covered for COVID-19 treatment?

Emergency hospitalization and in-patient treatment are covered under your plan. Following services are excluded:

  1. Cases not requiring hospitalization
  2. Quarantine
  3. Any outpatient treatment and outpatient pharmaceuticals
  4. All types of testing related to Covid-19

Are pre-existing conditions covered under my Ziyarah plan?

Coverage for pre-existing conditions is limited to medical emergency only. Any further treatment after your condition is stabilized is not covered in case of pre-existing condition.

Am I eligible for a premium & VAT refund in case I cancel my policy?

There is no premium and VAT refund under this plan.

I do not have a credit card; can I pay in cash? How?

Yes, please approach the nearest Daman Branch for assistance.

I do not have a UAE bank account, can claims payment be made to my account abroad?

Yes, you can have your claims paid amount transferred to an international bank account. 

How can I have my medical emergency claims reimbursed and how long will it take?

You can file your claim through email [email protected] and in Daman’s branches service or points.

The following are the required documents:

  1. Original claim form
  2. Copy of your passport
  3. Proof of travel (boarding pass, flight tickets etc.)
  4. Original itemized invoice with service date
  5. Original prescription for medication

What documents do I have to provide to get reimbursed?

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 [email protected] 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.

How can I have my medical emergency claims reimbursed?

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 [email protected] 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.

How much time do I have to submit my claims after the treatment is done?

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 [email protected] 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.

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