Question 1

Which is better, Daman or GIG Gulf?

Accepted Answer

It depends on your needs. Daman has 9,645 providers across 8 cities and offers 3 plans starting from AED 600/yr. GIG Gulf has 7,697 providers across 8 cities with 3 plans from AED 2,800/yr. Choose Daman if you need a larger provider network, lower entry-level premiums. Choose GIG Gulf if you prioritise more comprehensive coverage options.

Question 2

Is Daman cheaper than GIG Gulf?

Accepted Answer

Yes, Daman's entry-level plan starts from AED 600/yr, compared to GIG Gulf's cheapest plan at AED 2,800/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.

Question 3

Which has a bigger network in Dubai, Daman or GIG Gulf?

Accepted Answer

GIG Gulf has a larger Dubai network with 4,165 providers, compared to Daman's 4,144 providers. Network sizes are based on the UAE Open Healthcare Directory data.

Question 4

Does Daman or GIG Gulf cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Daman's dental sub-limit goes up to AED 7,500/yr, while GIG Gulf offers up to AED 8,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Daman to GIG Gulf?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Daman to GIG Gulf (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 GIG Gulf have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Daman and GIG Gulf plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Daman and GIG Gulf side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, GIG Gulf from AED 2,800/yr, (2) Network size — 9,645 vs 7,697 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	Daman	GIG Gulf
Type	mandatory	private
Founded	2005	1962
Headquarters	Abu Dhabi	Kuwait / Dubai
Regulators	HAAD	DHA, HAAD, MOHAP
Number of Plans	3	3
Premium Range	AED 600 – 25,000	AED 2,800 – 28,000
Total Network Size	9,645	7,697
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	Yes
Co-pay Range	0% – 20%	0% – 20%
Claims Phone	800-42626	800-444

City	Daman	vs	GIG Gulf
Dubai	4,144	vs	4,165
Abu Dhabi	2,490	vs	1,674
Sharjah	1,352	vs	1,045
Al Ain	815	vs	297
Ajman	371	vs	227
Ras Al Khaimah	252	vs	155
Fujairah	170	vs	113
Umm Al Quwain	51	vs	21

Daman vs GIG Gulf

Daman

GIG Gulf

Daman vs GIG Gulf — At a Glance

Network Comparison by City

Daman Plans

Daman Basic

Daman Enhanced

Daman Premium

GIG Gulf Plans

GIG Gulf Essential

GIG Gulf Corporate Plus

GIG Gulf Executive

Verdict

Daman vs GIG Gulf — FAQ

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