Our Basic Health Insurance Policy is available for Principals (along with their Dependants) holding an Abu Dhabi Visa, enrolled as Individual Policy or within Group Policy, where the Principal is receiving a total salary of:

• AED 4,000 monthly with accommodation; or
• AED 5,000 monthly without accommodation.
• Other categories, as stipulated by DOH

You can purchase the The Basic Health Insurance Plan at Daman branches, from the Daman website or with the help of our insurance brokers.

Your policy covers the below listed conditions after a waiting period of 6 months. The waiting period applies to Inpatient treatment only for the following medical conditions:

• Diabetes mellitus, Arterial diseases, COPD (Chronic Obstructive Pulmonary Disease), all cancer cases, Neurosurgery, Cerebro Vascular Diseases all delivery cases (Maternity).
• The waiting period is not applicable if you were continuously covered without any break for at least 6 months under a health insurance plan approved by the Department of Health (DOH).

1. Coverage includes Outpatient treatment, Inpatient treatment and Emergency treatment within UAE. It is a pocket-friendly plan with co-insurance and other cost-sharing options:

• Inpatient and Daycare: Out-of-pocket amount of AED 200 per admission with an annual cap of AED 500.
• Medicines: Covering 70% of the costs of medicines, equivalent to AED 1,500, with a deductible of 30%.
• Diagnostic and lab services: 20% co-pay, max AED 50 per visit.

You can submit your claim either through the Daman mobile app or the Daman website.

You can reach us through our call center 24/7 on 600-5-32626 or email us at [email protected].

Yes, emergency medical care is included throughout the UAE.

You can include your spouse and children on the The Basic Health Insurance Plan.

Maternity cover includes scans, consultations, and delivery expenses, subject to policy terms.

The policy is valid for a year and can be renewed annually.

Yes, chronic illness is included after a waiting period of six months. The waiting period applies to Inpatient treatment only for specific medical conditions. No waiting period applies if pre-requisition of uninterrupted (pre-) coverage is fulfilled.

The The Basic Health Insurance Plan is covered by hospitals and clinics in the DOH-approved network.

Yes, you may upgrade to a higher-tier plan by contacting Daman.

You can renew your policy online, at Daman branches, on Daman’s website, or through an insurance broker.

There could be a lapse in coverage. Renew before the policy’s expiry to ensure that you benefit from continuous benefits.