Question 1

Which is better, Daman or Salama Islamic 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. Salama Islamic Insurance has 5,843 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 Salama Islamic Insurance if you prioritise strong coverage and established reputation.

Question 2

Is Daman cheaper than Salama Islamic Insurance?

Accepted Answer

Yes, Daman's entry-level plan starts from AED 600/yr, compared to Salama Islamic Insurance'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.

Question 3

Which has a bigger network in Dubai, Daman or Salama Islamic Insurance?

Accepted Answer

Daman has a larger Dubai network with 4,144 providers, compared to Salama Islamic Insurance's 3,163 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Daman or Salama Islamic 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 Salama Islamic Insurance offers up to AED 4,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Daman to Salama Islamic 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 Salama Islamic 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 Salama Islamic Insurance have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Daman and Salama Islamic Insurance plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Daman and Salama Islamic Insurance side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, Salama Islamic Insurance from AED 2,500/yr, (2) Network size — 9,645 vs 5,843 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	Salama Islamic Insurance
Type	mandatory	private
Founded	2005	1979
Headquarters	Abu Dhabi	Dubai
Regulators	HAAD	DHA, HAAD, MOHAP
Number of Plans	3	2
Premium Range	AED 600 – 25,000	AED 2,500 – 13,000
Total Network Size	9,645	5,843
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%
Claims Phone	800-42626	800-72526

City	Daman	vs	Salama Islamic Insurance
Dubai	4,144	vs	3,163
Abu Dhabi	2,490	vs	1,213
Sharjah	1,352	vs	894
Al Ain	815	vs	235
Ajman	371	vs	140
Ras Al Khaimah	252	vs	108
Fujairah	170	vs	66
Umm Al Quwain	51	vs	24

Daman vs Salama Islamic Insurance

Daman

Salama Islamic Insurance

Daman vs Salama Islamic Insurance — At a Glance

Network Comparison by City

Daman Plans

Daman Basic

Daman Enhanced

Daman Premium

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Verdict

Daman vs Salama Islamic Insurance — FAQ

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