Question 1

Which is better, Daman or National General Insurance?

Accepted Answer

It depends on your needs. Daman has 9,645 providers across 8 cities and offers 3 plans starting from AED 600/yr. National General Insurance has 5,012 providers across 8 cities with 2 plans from AED 2,000/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 National General Insurance if you prioritise strong coverage and established reputation.

Question 2

Is Daman cheaper than National General Insurance?

Accepted Answer

Yes, Daman's entry-level plan starts from AED 600/yr, compared to National General Insurance's cheapest plan at AED 2,000/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 National General Insurance?

Accepted Answer

Daman has a larger Dubai network with 4,144 providers, compared to National General Insurance's 1,776 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Daman or National General Insurance 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 National General Insurance offers up to AED 2,500/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Daman to National General Insurance?

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 National General Insurance (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 National General Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Daman and National General Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Daman and National General Insurance side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, National General Insurance from AED 2,000/yr, (2) Network size — 9,645 vs 5,012 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	National General Insurance
Type	mandatory	private
Founded	2005	1980
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD	DHA, HAAD
Number of Plans	3	2
Premium Range	AED 600 – 25,000	AED 2,000 – 9,000
Total Network Size	9,645	5,012
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	No
Maternity	Yes	Yes
Mental Health	Yes	No
International	No	No
Co-pay Range	0% – 20%	20%
Claims Phone	800-42626	02-619-1100

City	Daman	vs	National General Insurance
Dubai	4,144	vs	1,776
Abu Dhabi	2,490	vs	1,811
Sharjah	1,352	vs	589
Al Ain	815	vs	482
Ajman	371	vs	160
Ras Al Khaimah	252	vs	109
Fujairah	170	vs	62
Umm Al Quwain	51	vs	23

Daman vs National General Insurance

Daman

National General Insurance

Daman vs National General Insurance — At a Glance

Network Comparison by City

Daman Plans

Daman Basic

Daman Enhanced

Daman Premium

National General Insurance Plans

NGI Basic Health

NGI Enhanced Health

Verdict

Daman vs National General Insurance — FAQ

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