The Basic Health Insurance Plan FAQ
What if I forget to pay before my renewal date?
There could be a lapse in coverage. Renew before the policy’s expiry to ensure that you benefit from continuous benefits.
How do I renew my policy?
You can renew your policy online, at Daman branches, on Daman’s website, or through an insurance broker.
May I upgrade to a higher plan in the future?
Yes, you may upgrade to a higher-tier plan by contacting Daman.
Which hospitals are included in this plan’s network?
The The Basic Health Insurance Plan is covered by hospitals and clinics in the DOH-approved network.
Does the plan include coverage for chronic illness?
Yes, chronic illness is included after a waiting period of six months. The waiting period applies to Inpatient treatment only for specific medical conditions. No waiting period applies if pre-requisition of uninterrupted (pre-) coverage is fulfilled.
For how long is the policy valid?
The policy is valid for a year and can be renewed annually.
Are maternity expenses covered?
Maternity cover includes scans, consultations, and delivery expenses, subject to policy terms.
Can I include my dependents on this plan?
You can include your spouse and children on the The Basic Health Insurance Plan.
Are emergency medical services included in this plan?
Yes, emergency medical care is included throughout the UAE.
Whom do I contact for more information about the The Basic Health Insurance Plan?
You can reach us through our call center 24/7 on 600-5-32626 or email us at [email protected].
How do I submit my claims?
You can submit your claim either through the Daman mobile app or the Daman website.
What benefits do I get from the The Basic Health Insurance Plan?
Coverage includes Outpatient treatment, Inpatient treatment and Emergency treatment within UAE. It is a pocket-friendly plan with co-insurance and other cost-sharing options:
- Inpatient and Daycare: Out-of-pocket amount of
200 per admission with an annual cap of 
500. - Medicines: Covering 70% of the costs of medicines, equivalent to 1,500, with a deductible of 30%.
- Diagnostic and lab services: 20% co-pay, max 50 per visit.
Are pre-existing conditions covered under the The Basic Health Insurance Plan?
Your policy covers the below listed conditions after a waiting period of 6 months. The waiting period applies to Inpatient treatment only for the following medical conditions:
- Diabetes mellitus, Arterial diseases, COPD (Chronic Obstructive Pulmonary Disease), all cancer cases, Neurosurgery, Cerebro Vascular Diseases all delivery cases (Maternity).
- The waiting period is not applicable if you were continuously covered without any break for at least 6 months under a health insurance plan approved by the Department of Health (DOH).
Where can I buy The Basic Health Insurance Plan?
You can purchase the The Basic Health Insurance Plan at Daman branches, from the Daman website or with the help of our insurance brokers.
How do I know if I am eligible for the Basic Health Insurance Plan?
Our Basic Health Insurance Policy is available for Principals (along with their Dependents) holding an Abu Dhabi Visa, enrolled as Individual Policy or within Group Policy, where the Principal is receiving a total salary of:
- 4,000 monthly with accommodation; or
- 5,000 monthly without accommodation.
- Other categories, as stipulated by DOH