Daman vs Union Insurance

It depends on your needs. Daman has 9,536 providers across 8 cities and offers 3 plans starting from AED 600/yr. Union Insurance has 6,279 providers across 8 cities with 2 plans from AED 2,300/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 Union Insurance if you prioritise strong coverage and established reputation.

Yes, Daman's entry-level plan starts from AED 600/yr, compared to Union Insurance's cheapest plan at AED 2,300/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.

Daman has a larger Dubai network with 4,076 providers, compared to Union Insurance's 3,178 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Both insurers offer dental coverage on their enhanced and premium plans. Daman's dental sub-limit goes up to AED 7,500/yr, while Union Insurance offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

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

Use the UAE Health Insurance Navigator on this page to compare Daman and Union Insurance side-by-side. Key factors to compare: (1) Annual premium — Daman starts from AED 600/yr, Union Insurance from AED 2,300/yr, (2) Network size — 9,536 vs 6,279 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.