What is Emergency Medical Travel Insurance?
Emergency Medical Travel Insurance has been developed in such a way as to offer cover against eligible medical expenses which might occur due to any illness or injury that could be unexpected in nature. The cover offered depends on the chosen plan. Medical treatment could be in the form of outpatient or inpatient care, and even evacuation and other forms of emergency assistance.
Daman offers travel medical insurance products for various groups of people, whether UAE nationals traveling overseas, visitors to the UAE or even UAE residents traveling overseas.
Alami – Emergency Medical Travel Insurance
Alami – My World is the outbound emergency travel health insurance by Daman for those traveling from the UAE. This insurance helps in dealing with any unexpected medical emergencies that may occur while traveling abroad. The Alami covers various periods ranging from single trip to annual multi trip and also covers traveling to Schengen countries.
Ziyarah – Emergency Travel Health Insurance for UAE Visitors
Ziyarah – Hello UAE is an inbound emergency travel medical insurance offered by Daman for people who visit the UAE. This kind of insurance covers people from any medical problems or illnesses which can happen unexpectedly. There are different options according to how long your visit is planned for the UAE and what kind of visit is planned for the UAE.
Musafer – Outbound Travel Insurance for UAE Nationals
Musafer is the emergency medical travel insurance offered by Daman which is tailored for citizens of the UAE traveling abroad. It is an annual multi-trip insurance that covers trips that are eligible to be covered for up to 90 days at a time and offers coverage globally except the UAE. The plan includes coverage for eligible inpatient and outpatient medical expenses and offers several benefits including medical evacuation and repatriation of mortal remains.
Why Daman?
Leading health insurance company in the UAE
The National Insurance Company – Daman is the leading health insurance company in the UAE. As the region’s leading specialised health insurer, providing comprehensive health insurance solutions to more than 3 million members in the UAE, Daman is the partner of choice for many of the country’s most prominent organisations.
Large scale of operations and customer service
Approximately 52 million claims are processed annually covering over 3 million lives. More than 40% of the processed preapprovals are automated and 98% of PBM (Pharmacy Benefit Management) requests are responded to in less than 10 minutes.
Specialised capabilities
Daman uses specialised in-house teams, including actuaries, medical investigation and fraud unit, to conduct FWA (fraud, waste & abuse) audits, protect client’s healthcare funds, manage claims costs, provide advanced data analytics and have physical branches across the UAE.
A wide range of solutions
Daman offers customisable and flexible enhanced plans, as well as access to a large list of network insurance providers including government hospitals.
Customer-centricity
Daman offers a wide suite of customer engagement channels – from digital apps to physical branches, as well as a 24/7 customer call centre and medical services authorisation team who are in direct contact with Daman’s network of over 3,000 medical facilities.
Financial strength & stability
Daman is part of PureHealth is the largest healthcare group in the Middle East with an ecosystem that challenges lifespans and reimagines health spans. With 100+ hospitals, 300+ clinics, multiple diagnostic centres, health insurance solutions, pharmacies, health tech, procurement, investments and more.
1. What is Emergency Medical Travel Insurance?
Emergency Medical Travel Insurance helps pay for your medical care of unexpected medical condition while traveling. It covers the cost of hospitalisation and relevant expenses during emergency case. Some plans also offer International emergency assistance services. It’s especially useful when traveling to countries where your regular insurance might not work.
2. What does Emergency Medical Travel Insurance cover (advantages of Emergency Medical Travel Insurance)?
Emergency Medical Travel Insurance offers the following coverage while travelling:
- Emergency Medical Coverage: Pays for treatment if you fall sick or get injured while traveling.
- Emergency Evacuation: Covers the cost of transporting you to a nearest medical facility if needed.
- Global Support: Provides access to a 24/7 helpline for medical and travel assistance.
- Peace of Mind: Reduces financial stress during emergencies.
3. What is not covered by Emergency Medical Travel Insurance?
Exclusions of Emergency Medical Travel Insurance can include but not limited to:
- Elective medical treatments
- Routine or Preventative Care
- High-Risk Activities (like extreme sports)
- Maternity/Dental/Optical
- Alcohol or drug-related injuries
4. Is Emergency Medical Travel Insurance mandatory?
Emergency Medical Travel Insurance is mandatory for certain countries to obtain an entry visa. It is highly recommended to insure yourself and your family to avoid high-cost claims of unexpected medical expenses while abroad.
5. Who is eligible to be covered under an Emergency Medical Travel Insurance?
Emergency Medical Travel Insurance is available for anyone traveling, including individuals, families and business travellers.
6. Is there a premium refund upon cancellation of Emergency Medical Travel Insurance?
Ziyarah – There is no premium refund under this plan.
Mussafer and Alami – Premium refund is allowed under certain conditions.
7. What are the Emergency Medical Travel Insurance prices and fees?
Emergency Medical Travel Insurance premiums vary based on the opted plan, the chosen Territorial limit and duration of coverage.
8. How will my Emergency Medical Travel Insurance expenses be paid?
Emergency Medical Travel Insurance expenses are paid directly from Daman to the contracted provider within the Network. For treatments availed at Non-Network providers, the member has to pay and submit a reimbursement claim.
9. What do I do if I lose my certificate of Emergency Medical Travel Insurance document?
You can approach our Customer Care to re-issue the certificate.
10. How to file an Emergency Medical Travel Insurance claim online?
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.
11. Countries Requiring Emergency Medical Travel Insurance?
Several countries that require Emergency Medical Travel Insurance for travellers, including Schengen countries where all travellers must have valid Emergency medical travel insurance. Always check the specific country visa requirements before traveling.
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