Coverage Information

Daman's Adjudication Rules (AR's) make transparent how and when Daman covers and show under what conditions healthcare services are payable.
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Daman Adjudication Rules

The Daman Adjudication Rules (AR's) are written mainly for healthcare professionals with a short summary for readers without a medical background. These AR's are drafted based on international best practice guidelines and evidence-based medicine in conjunction with Daman's schedules of benefits and UAE regulations.
Daman is to date the only insurance company in the region that publishes its rules in the public domain. We believe such transparency will help our stakeholders to understand Daman's coverage criteria and will improve the consistency in the adjudication process across the region.

The Adjudication Rules should only be used for the purpose of reference or guidance for the adjudication process (refer to the disclaimer below).

Medical
Pharmaceutical
Dental
Billing
Questionnaire and Forms (Medical Coverage)

Adjudication rules are published on a quarterly basis, tentatively in March, June, September, and December and are effective one month after publication to allow market consultation. Stakeholders are invited for feedback at any time, ideally during the above-mentioned advisory period.

For all your questions and comments, please contact our customer services at 600-532626.