Daman vs Dubai Insurance Company
UAE Health Insurance Comparison 2026
Daman
mandatory9,391 providers
3 plans
Est. 2005
DOH regulated
Dubai Insurance Company
private8,404 providers
2 plans
Est. 1970
DHA regulated
Daman has 3 plans from AED 600 a year and 9,391 in-network providers in 8 cities. Dubai Insurance Company has 2 plans from AED 2,500 a year and 8,404 in-network providers in 8 cities. Both insurers have the most providers in Dubai. Network counts are providers in the UAE Open Healthcare Directory that list each insurer; premiums are indicative.
Daman vs Dubai Insurance Company — At a Glance
| Attribute | Daman | Dubai Insurance Company |
|---|---|---|
| Type | mandatory | private |
| Founded | 2005 | 1970 |
| Headquarters | Abu Dhabi | Dubai |
| Regulators | DOH | DHA |
| Number of Plans | 3 | 2 |
| Premium Range | AED 600 – 25,000 | AED 2,500 – 12,000 |
| Total Network Size | 9,391 | 8,404 |
| Cities Covered | 8 | 8 |
| Dental | Yes | Yes |
| Optical | Yes | Yes |
| Maternity | Yes | Yes |
| Mental Health | Yes | Yes |
| International | No | No |
| Co-pay Range | 0% – 20% | 20% |
| Phone (from the insurer's website) | 600 5 32626 | See dubins.ae |
Coverage columns reflect whether at least one plan from the insurer includes that benefit. Premiums are indicative annual ranges.
Network Comparison by City
| City | Daman | vs | Dubai Insurance Company |
|---|---|---|---|
| Dubai | 3,996 | vs | 5,053 |
| Abu Dhabi | 2,451 | vs | 1,080 |
| Sharjah | 1,332 | vs | 1,288 |
| Al Ain | 791 | vs | 362 |
| Ajman | 358 | vs | 311 |
| Ras Al Khaimah | 244 | vs | 167 |
| Fujairah | 168 | vs | 105 |
| Umm Al Quwain | 51 | vs | 38 |
Provider counts from the UAE Open Healthcare Directory. Green highlights the city leader.
Daman Plans
Daman
Daman Basic
Low-income workers and dependants in Abu Dhabi (mandatory scheme)
AED 600 – 750/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
9,391 providers
View details →Daman
Daman Enhanced
Mid-salary employees and families in Abu Dhabi
AED 3,500 – 7,500/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
9,391 providers
View details →Daman
Daman Premium
Senior employees and executives in Abu Dhabi
AED 12,000 – 25,000/yr
Annual limit: AED 1.0M · private room · 0% co-pay
9,391 providers
View details →Dubai Insurance Company Plans
Dubai Insurance Company
DIC Essential Health
Small businesses and individuals in Dubai who need the mandatory cover
AED 2,500 – 4,000/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
8,404 providers
View details →Dubai Insurance Company
DIC Corporate Health
Mid-size companies and their employees in Dubai
AED 5,000 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
8,404 providers
View details →Verdict
Choose Daman if you need a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options. Choose Dubai Insurance Company if you prioritise strong coverage and established reputation. Both are established insurers in the UAE market. The best choice depends on your employer's plan options, budget, required coverage, and preferred hospital network in your city.
Daman vs Dubai Insurance Company — FAQ
Which is better, Daman or Dubai Insurance Company?
It depends on your needs. Daman has 9,391 providers across 8 cities and offers 3 plans starting from AED 600/yr. Dubai Insurance Company has 8,404 providers across 8 cities with 2 plans from AED 2,500/yr. Choose Daman if you need a larger provider network, lower entry-level premiums, more plan tiers to choose from, more comprehensive coverage options. Choose Dubai Insurance Company if you prioritise strong coverage and established reputation.
Is Daman cheaper than Dubai Insurance Company?
Yes, Daman's entry-level plan starts from AED 600/yr, compared to Dubai Insurance Company's cheapest plan at AED 2,500/yr. However, plan pricing varies by age, nationality, visa type, and employer. Enhanced and premium tiers may differ. Always obtain a personalised quote from each insurer.
Which has a bigger network in Dubai, Daman or Dubai Insurance Company?
Dubai Insurance Company has a larger Dubai network with 5,053 providers, compared to Daman's 3,996 providers. Network sizes are based on the UAE Open Healthcare Directory data.
Does Daman or Dubai Insurance Company cover dental?
Both insurers offer dental coverage on their enhanced and premium plans. Daman's dental sub-limit goes up to AED 7,500/yr, while Dubai Insurance Company offers up to AED 3,500/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Daman to Dubai Insurance Company?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Daman to Dubai Insurance Company (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 Daman and Dubai Insurance Company have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Daman and Dubai Insurance Company plans?
Use the UAE Health Insurance Navigator on this page to compare Daman and Dubai Insurance Company side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, Dubai Insurance Company from AED 2,500/yr, (2) Network size — 9,391 vs 8,404 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.
Related Comparisons
Disclaimer: Plan details, premiums, and network sizes are indicative, based on publicly available UAE insurance market data. Obtain personalised quotes from Daman and Dubai Insurance Company or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory.