Question 1

Which is better, Aetna International or Daman?

Accepted Answer

It depends on your needs. Aetna International has 6,001 providers across 8 cities and offers 2 plans starting from AED 7,000/yr. Daman has 9,645 providers across 8 cities with 3 plans from AED 600/yr. Choose Aetna International if you need strong coverage and established reputation. Choose Daman if you prioritise a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options.

Question 2

Is Aetna International cheaper than Daman?

Accepted Answer

No, Daman's entry-level plan starts from AED 600/yr, while Aetna International's cheapest plan begins at AED 7,000/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, Aetna International or Daman?

Accepted Answer

Daman has a larger Dubai network with 4,144 providers, compared to Aetna International's 3,779 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Aetna International or Daman cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Aetna International's dental sub-limit goes up to AED 12,000/yr, while Daman offers up to AED 7,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Aetna International to Daman?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Aetna International to Daman (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Aetna International and Daman have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Aetna International and Daman plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Aetna International and Daman side-by-side. Key factors to compare: (1) Annual premium — Aetna International starts from AED 7,000/yr, Daman from AED 600/yr, (2) Network size — 6,001 vs 9,645 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Aetna International	Daman
Type	private	mandatory
Founded	1853	2005
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD	HAAD
Number of Plans	2	3
Premium Range	AED 7,000 – 36,000	AED 600 – 25,000
Total Network Size	6,001	9,645
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	Yes	No
Co-pay Range	0% – 20%	0% – 20%
Claims Phone	800-423862	800-42626

City	Aetna International	vs	Daman
Dubai	3,779	vs	4,144
Abu Dhabi	1,252	vs	2,490
Sharjah	391	vs	1,352
Al Ain	221	vs	815
Ajman	146	vs	371
Ras Al Khaimah	116	vs	252
Fujairah	78	vs	170
Umm Al Quwain	18	vs	51

Aetna International vs Daman

Aetna International

Daman

Aetna International vs Daman — At a Glance

Network Comparison by City

Aetna International Plans

Aetna Core Health

Aetna Premier

Daman Plans

Daman Basic

Daman Enhanced

Daman Premium

Verdict

Aetna International vs Daman — FAQ

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