Daman vs RAK Insurance
UAE Health Insurance Comparison 2026
Daman
mandatory9,536 providers
3 plans
Est. 2005
HAAD regulated
RAK Insurance
private3,503 providers
2 plans
Est. 1974
MOHAP regulated
Daman has 3 plans starting from AED 600/yr with 9,536 providers across 8 cities. RAK Insurance has 2 plans starting from AED 2,000/yr with 3,503 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 | 9,536 | 3,503 |
| 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 | 4,076 | vs | 1,356 |
| Abu Dhabi | 2,489 | vs | 618 |
| Sharjah | 1,343 | vs | 585 |
| Al Ain | 801 | vs | 183 |
| Ajman | 364 | vs | 234 |
| Ras Al Khaimah | 244 | vs | 346 |
| Fujairah | 168 | vs | 143 |
| 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
9,536 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
9,536 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
9,536 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
3,503 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
3,503 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
Which is better, Daman or RAK Insurance?
It depends on your needs. Daman has 9,536 providers across 8 cities and offers 3 plans starting from AED 600/yr. RAK Insurance has 3,503 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 RAK Insurance if you prioritise strong coverage and established reputation.
Is Daman cheaper than RAK Insurance?
Yes, Daman's entry-level plan starts from AED 600/yr, compared to RAK 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.
Which has a bigger network in Dubai, Daman or RAK Insurance?
Daman has a larger Dubai network with 4,076 providers, compared to RAK Insurance's 1,356 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.
Does Daman or RAK Insurance 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 RAK Insurance offers up to AED 2,000/yr. Basic plans from both insurers typically exclude dental.
Can I switch from Daman to RAK Insurance?
Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Daman to RAK 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 RAK Insurance have dedicated claims and onboarding teams to facilitate the transition.
How do I compare Daman and RAK Insurance plans?
Use the UAE Health Insurance Navigator on this page to compare Daman and RAK Insurance side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, RAK Insurance from AED 2,000/yr, (2) Network size — 9,536 vs 3,503 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.
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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.