Daman vs RAK Insurance
UAE Health Insurance Comparison 2026
Daman
mandatory9,645 providers
3 plans
Est. 2005
HAAD regulated
RAK Insurance
private3,552 providers
2 plans
Est. 1974
MOHAP regulated
Daman has 3 plans starting from AED 600/yr with 9,645 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,552 providers across 8 cities. Both insurers have their strongest presence in Dubai.
Daman vs RAK Insurance — At a Glance
| Attribute | Daman | RAK Insurance |
|---|---|---|
| Type | mandatory | private |
| Founded | 2005 | 1974 |
| Headquarters | Abu Dhabi | Ras Al Khaimah |
| Regulators | HAAD | MOHAP |
| Number of Plans | 3 | 2 |
| Premium Range | AED 600 – 25,000 | AED 2,000 – 8,500 |
| Total Network Size | 9,645 | 3,552 |
| 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 | 07-228-8444 |
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 | RAK Insurance |
|---|---|---|---|
| Dubai | 4,144 | vs | 1,375 |
| Abu Dhabi | 2,490 | vs | 618 |
| Sharjah | 1,352 | vs | 585 |
| Al Ain | 815 | vs | 186 |
| Ras Al Khaimah | 252 | vs | 365 |
| Ajman | 371 | vs | 238 |
| Fujairah | 170 | vs | 146 |
| Umm Al Quwain | 51 | vs | 39 |
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
9,645 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
9,645 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
9,645 providers
View details →RAK Insurance Plans
RAK Insurance
RAK Basic Health
Employees in Northern Emirates meeting MOHAP requirements
AED 2,000 – 3,500/yr
Annual limit: AED 150,000 · shared room · 20% co-pay
3,552 providers
View details →RAK Insurance
RAK Enhanced Health
Corporate employees and families in Northern Emirates
AED 4,000 – 8,500/yr
Annual limit: AED 350,000 · semi-private room · 20% co-pay
3,552 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 RAK Insurance 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 RAK Insurance — FAQ
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 RAK Insurance or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.