UAE insurer profile
Daman
Est. 2005 · Abu Dhabi · HAAD regulated
Largest health insurer in the UAE by number of members. Daman offers 3 health insurance plans in the UAE, accepted by 9,536 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Largest health insurer in the UAE by number of members
- Administers Abu Dhabi's mandatory basic health insurance scheme
- Covers over 3 million lives across the UAE
- Part of PureHealth, Abu Dhabi's largest integrated healthcare platform
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Daman Basic | Basic | AED 600 – 750/yr | AED 250,000 | 20% | — | — |
| Daman Enhanced | Enhanced | AED 3,500 – 7,500/yr | AED 500,000 | 20% | ✓ | ✓ |
| Daman Premium | Premium | AED 12,000 – 25,000/yr | AED 1.0M | 0% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance 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 →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Daman.
Direct billing. Present your Daman insurance card at any in-network provider. The clinic or hospital bills Daman directly — you pay only your applicable co-pay (20%–0% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via damanhealth.ae or call 800-42626. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Daman at least 48 hours in advance.
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Top clinics accepting Daman.
Curated rankings by city and specialty — all providers accepting Daman insurance, ranked by patient ratings.
Compare Daman with other insurers
Side-by-side plan comparison across all 38 UAE insurers
Questions
About Daman.
Daman Insurance — FAQ
What health insurance plans does Daman offer in the UAE?
Daman offers 3 health insurance plans in the UAE: Daman Basic, Daman Enhanced, Daman Premium. Plans range from AED 600 – 750/yr to AED 12,000 – 25,000/yr annually.
How many healthcare providers accept Daman insurance?
According to the UAE Open Healthcare Directory, 9,536 healthcare providers across 8 UAE cities accept Daman insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Daman cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Daman's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 9 to 12 months.
Is Daman the UAE healthcare regulator or HAAD compliant?
Daman is regulated by HAAD. Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements.
How do I file a claim with Daman?
To file a claim with Daman, call their claims line at 800-42626. For direct billing, simply present your Daman insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via damanhealth.ae or by post to their Abu Dhabi office.
What is the cheapest Daman plan?
The most affordable Daman plan is the Daman Basic (Basic tier), starting from AED 600 – 750/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does Daman have a mobile app for claims?
Daman offers digital claims submission through their member portal at damanhealth.ae. Most major UAE insurers, including Daman, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Daman app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Daman or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.