Explore our Frequently Asked Questions to gain clarity on coverage, claims, and everything in between.
You must submit your reimbursement form to Daman within 180 days from the last treatment date for services availed outside of the UAE.
Resubmission/Appeal of Reimbursement Claims: In case you disagree with a partially paid or rejected reimbursement claim, you have the right to appeal the decision. You can resubmit your claim with the supporting document(s)/justification(s) within 180 calendar days from the date of notification of partial payment or rejection.
To ensure utmost peace of mind, we ensure that reimbursement of claims are finalized within 15 days after successful submission of all required documents.
We are always happy to help. You can reach the Customer Service team in case of any questions about your claims at +971 2418 4888.
If your claim was rejected because of various reasons, you still have the chance to resubmit your claim, adding missed out documents or new crucial information. Please contact our Customer Service at +971 2418 4888.
The TAT on claim reimbursement is 15 days.
Yes, every UAE resident with a valid Emirates ID is eligible for the Alami Emergency Medical Travel Insurance plan.
We regret to inform you that the Travel Health Insurance plan must be purchased before you travel outside of the UAE. This means you cannot enroll in the policy once you’re already abroad.
Before Inception of Policy, the Policyholder can request for cancellation of the Policy or deletion of the Eligible Person based on the below conditions.
Kindly note that for Single Trip Policy, Deletion is allowed only before inception of the Policy.
We always put you first. That’s why, you will be covered for all medical expenses until your state is stabilised and you are fit for travel, even if you have an emergency on the expiry date of your policy.
“Emergency” – The acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at a health facility could reasonably be expected to result in placing the patient’s health or bodily functions in serious jeopardy or dysfunction of any body organ or part.
Any expenses arising due to pregnancy, childbirth, miscarriage or abortion is not covered under your plan, with the exception of any emergency treatment required due to accidental injury.
Only emergency dental treatment is covered under your plan, such as one to relieve immediate pain.
Yes, your plan offers coverage for Medical Evacuation. In case of an emergency if required, you will be transported by the most appropriate mode of transport to the nearest healthcare facility where appropriate medical care is available. All you need to do is contact the emergency assistance service provider at +971 2 418 4888 and they will arrange for the same.
Coverage for pre-existing conditions is limited to medical emergencies only. Any further treatment after your condition is stabilized is not covered in case of a pre-existing condition.
No, medical emergency treatment while travelling within the UAE is not covered under the Alami plan.
No, repatriation to the UAE is not covered under this emergency medical travel insurance.
In case of an emergency where an ambulance is required,
We aim to make your claim reimbursement process as seamless and easy as possible. That’s why, if your claims fall below AED 15,000, you can file your claim by sending an email to [email protected] or by visiting a Daman branch near you. However, if your claim is AED 15,000 or higher, you will be required to file it at one of our branches.
We aim to make your claim reimbursement process as seamless and easy as possible. That’s why, if your claims fall below AED 15,000, you can file your claim by sending an email to [email protected] or by visiting a Daman branch near you. However, if your claim is AED 15,000 or higher, you will be required to file it at one of our branches.
Travel health insurance typically covers emergency medical treatment, hospitalisation, emergency medical evacuation and repatriation during your trip. Depending on the plan, it may also include trip cancellation, travel delays, lost baggage and personal liability protection.
A pre-existing medical condition is any illness, injury, or health condition that existed before your travel insurance policy began. This may include conditions for which you received treatment, medication, medical advice, or a diagnosis. Coverage depends on the policy, so review the terms carefully and disclose relevant medical conditions when required.
Yes, travel health insurance may cover sports injuries if they result from accidental injuries and require medically necessary treatment. Coverage may include consultations, diagnostic tests, hospitalisation, surgery and rehabilitation. However, injuries from professional, high-risk or adventure sports may be excluded unless specifically covered by your policy.
You can usually extend a travel health insurance policy by contacting your insurer before your current policy expires. Approval depends on the policy terms and your travel status. If an extension is available, you may need to pay an additional premium to continue your medical coverage without interruption.
Travel health insurance may be cancelled due to non-payment of premiums, providing incorrect or incomplete information, policy violations, or at the policyholder’s request. Coverage may also end when the policy expires or if the trip is cancelled before departure, subject to the policy’s cancellation terms and conditions.
Most travel insurance plans do not cover treatment related to pre-existing medical conditions unless the policy specifically includes that benefit. Coverage varies by plan, so review the policy terms carefully to understand any exclusions, waiting periods, or optional coverage for existing health conditions.