Types of Daman Health Insurance
Daman Health Insurance Company provides medical insurance protection. It is a policy of health, and it has become a legal and social need because medical expenses are increasing day by day. Daman is a trustworthy institution that offers various packages tailored to individuals’ budgets.
It provides different kinds of health insurance plans. These plans are divided into residential, job scale, and coverage. Its basic plan includes individual family plans, corporate plans, and basic plans.
Individual plan
This plan is for those that are not under any company and want to get an insurance card for their family’s health. Daman provides for this plan, such as hospital visits, emergency medical care, laboratory tests, specialist consultants, and medical coverage.
It includes basic, enhanced, and premium so that users can choose according to their choice. Wives, children, and parents can be added to family plans. This plan is also effective for those that do freelancing, business, or private jobs. They don’t have insurance from their family.
In this plan, users can select different packages such as Basic, Enhanced, Silver, Gold, and Platinum. The facilities are given at different stages according to the network hospital. In this plan expenses are below the stage.
The user is given a digital insurance card. With the help of this card, the user can check up at any approved hospital. The eligibility for this card is to be a citizen of the emirate.
Corporate insurance
This plan is designed for middle- and large-sized companies so that employees can get medical benefits. The company signs a contract with Daman and gets a package according to their needs.
The specialty of this package is that employees’ family members are covered under this package. It provides an online portal that is managed by the HR team. The HR team manages the entire insurance process.
The large corporate groups usually choose the Gold Plan or Enhanced. These have access to special hospitals, emergency services, and maternity. It contains an international-level medical facility.
Thiqa program
This package is only for Emirate citizens. It is sponsored by the Abu Dhabi government. The citizens are given complete medical facilities, and they can enjoy all the benefits. The cardholder can get medical care from private and government hospitals. Medicine, surgery, laboratory, and specialist consultation are given totally free. It is one of the most important social protections for the citizens.
Comparison table
| Plan Type | Eligibility | Coverage | Premium | Access |
| Basic | Low-income workers | Essential services | Low | UAE only |
| Individual | Residents | General healthcare | Medium | UAE only |
| Corporate | Employees | Full coverage | Company-paid | UAE + Intl |
| Thiqa | UAE nationals | Full coverage | Govt-funded | UAE + Intl |
| Enhanced | High-income / Private | Premium & global | High | Global |
How to Choose the Right Daman Plan
The decision of choosing the right Daman insurance is very important. In this process we have to keep in mind our income, residential status, family, and health needs so that we can choose the right plan.
If you choose without thinking, you can face challenges during hospitalization. It is mandatory for every person to make the right decision according to their wishes.
Below income is an element of it. If you have a common job, then the essential benefits plan is best for you. On the other hand, if your salary is more and you want facilities in a large hospital, then you should think about enhanced plans.
Residency also plays an important role in it. It is mandatory in the UAE to provide noncitizen employer insurance. If you keep your family with you, then you will have to buy a separate plan for them.
The large-size family needs more coverage. It is better to buy a family plan compared to an individual one because you will get more facilities.