Daman Insurance: Your 2025 Guide to Health Coverage in the UAE
Daman Insurance is the name most UAE residents recognise when they start comparing health policies. In this guide, updated for July 2025, we break down the latest Daman health insurance price list, coverage tiers, claim procedures, and money-saving tips so you can confidently choose a policy on Insurancehub.ae.
Why Daman dominates the UAE health market
- More than 3 million members across Abu Dhabi, Dubai, and the Northern Emirates.
- Strong network of 2,000+ hospitals, clinics, and pharmacies.
- Government-backed credentials (National Health Insurance Company) ensure financial strength and regulatory compliance.
- Flexible options, from Daman Basic Insurance compliant with Dubai’s Essential Benefits Plan to premium Worldwide Care.
Understanding the Daman health insurance plans
1. Thiqa Program (for UAE nationals)
Free-of-charge coverage with comprehensive in- and outpatient benefits, maternity, dental, and chronic conditions across an elite network.
2. Enhanced Platinum, Gold, Silver
- Platinum: Worldwide elective treatment, semi-private room, annual limit up to AED 20 million.
- Gold: GCC coverage and elective worldwide emergencies, room limit private UAE, AED 10 million limit.
- Silver: UAE-only network, private room optional upgrade, AED 3 million limit.
3. Daman Basic Insurance (EBP-compliant)
Tailored for employees earning < AED 4,000/month or domestic workers. Annual limit AED 150,000, emergency coverage across the UAE, shared room.
For deeper plan specs, visit our detailed comparison page: Daman Health Insurance Plan.
What does each plan actually cover?
| Benefit | Basic | Silver | Gold | Platinum |
|---|---|---|---|---|
| Annual limit (AED) | 150k | 3 m | 10 m | 20 m |
| Network | UAE Select | UAE Wide | GCC + Emerg. WW | Worldwide |
| Maternity | Up to 7k | Up to 10k | Up to 20k | Up to 25k |
| Dental | Emergency only | Optional add-on | Included | Included |
| Chronic conditions | Yes | Yes | Yes | Yes |
Need a personalised quote? Use the instant calculator on Daman Insurance UAE and see real-time premiums in under 30 seconds.
2025 Daman health insurance price list (indicative)
- Basic (Dubai EBP): AED 650 – AED 900 per year
- Silver (adult 30 – 45): AED 2,100 – AED 2,600 per year
- Gold (family of four): AED 11,500 – AED 13,000 per year
- Platinum (C-suite expat): AED 18,000 – AED 22,000 per year
Prices vary with age, pre-existing conditions, and optional riders. Get your exact rate on Daman Medical Insurance.
How to file a Daman insurance claim
- Download the official daman insurance claim form (PDF) or fetch it directly in the Daman app.
- Visit an in-network provider, present your e-card, and pay any applicable co-pay.
- For reimbursement claims, attach original invoices, the stamped form, Emirates ID copy, and bank details.
- Submit online or at a Daman branch. Average settlement time: 7 – 10 working days.
Pro tip: Claims submitted via the app have a 22 % faster turnaround, according to Daman’s 2024 annual report.
Saving money with Insurancehub.ae
- Compare daman insurance plans against 50+ other providers in one view.
- Get expert guidance from our DHA-licensed advisors.
- Exclusive web discounts — save up to 40 % versus walk-in prices.
- Spread payments with 0 % instalments on major UAE credit cards.
Explore regional pricing on Daman Insurance Abu Dhabi if you live in the capital.
