Built with Start-ups and SMEs in mind

Our exclusive health insurance solution enables Start-ups and SMEs to access comprehensive benefits, competitively priced. A variety of plans is available, offering flexibility to companies to tailor their health insurance solution, regardless of company size. Our portal provides a fast and efficient service, where members can get instant quotes and submit their application online from the convenience of their home or office.

What sets us apart…

Pre-existing conditions covered with no sub-limit and optional no waiting period

'Health Insurance in a day’ under our fast-track service

No minimum number of employees required

Multiple plans available including: International territorial limit; optional routine dental and optical cover

Flexibility of utilising multiple plans within one policy based on employee designation.

Eligible to members aged 0 to 99; lower and higher salary band employees; spouse and children of employees.

Insurance Partner:

Daman Logo

With Daman, we cater for our clients' needs. Regardless of the size of the workforce, our clients can tailor their insurance policy to satisfy their company's requirements; availing multiple plans within a single policy, from a single provider.

Daman - Insurance Partner

Why Daman?

Service
  • 24/7 customer service helpline
  • In-house administration and pre-authorisation
  • International assistance
  • MyDaman portal and App
  • Second medical opinion facility
Wellness
  • ActiveLife
  • Daman Health Guardian
  • Disease management programmes
Network
  • Largest direct billing network in the UAE spanning 1,500 providers

Health Insurance Plans

To View our Plans, please select if your company is located in the DMCC Free Zone or Dubai / Northern Emirates.
DMCC Free Zone
Dubai / Northern Emirates
Benefits

Essential Benefits Plan (LSB employees only*)

Classic
Chrome

Secure
Bronze

Select
Bronze

Select
Silver

Select
Gold

Select
Platinum Plus

Annual Limit
150,000 AED
160,000 AED
250,000 AED
500,000 AED
1,000,000 AED
2,500,000 AED
5,000,000 AED
Territorial Limit
Dubai elective. UAE emergency
UAE. In-patient extended to South-east Asia, Arab Countries & Indian Sub-continent reimbursement only
Worldwide ex USA, Canada, Europe (Elective & Emergency)
Worldwide ex USA & Canada (Elective & Emergency)
Worldwide ex USA & Canada elective. Emergency covered Worldwide
Worldwide ex USA & Canada elective. Emergency covered Worldwide
Worldwide
Network Directory
8
8
Essential 5
Comprehensive 3
Comprehensive 2
Exclusive 1 WW ex USA & Canada
Exclusive 1 WW
Daman Network Directory Click Here.
Pre-existing conditions
Covered subject to continuity of coverage; otherwise 6 month waiting period applies
In-patient
80% covered. Out-of-pocket limit 500 AED per encounter and an annual aggregate limit of 1,000 AED.
Out-patient
Covered. Pharmaceuticals annual limit 1,500 AED per person. Physiotherapy limited to 6 sessions. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Physiotherapy limited to 12 sessions. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Maternity
Normal delivery 7,000 AED. Complications,
C-section, termination 10,000 AED.
Within UAE: Normal delivery 7,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 7,000 AED.
Within UAE: Normal delivery 7,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 30,000 AED.
Hearing and vision aids/ Preventative services/ New-born care
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Repatriation of Mortal Remains
5,000 AED
5,000 AED
7,500 AED
10,000 AED
10,000 AED
12,500 AED
Breast, colorectal, prostate cancer screening
Chronic conditions requiring haemodialysis/ peritoneal dialysis
50,000 AED
50,000 AED
50,000 AED
50,000 AED
Optional routine dental and optical
Dental module 1: 1,500 AED. Optical 2 vision tests and 500 AED annual limit
Dental module 1: 2,500 AED. Optical 2 vision tests and 500 AED annual limit
Dental module 1: 3,500 AED. Optical 2 vision tests and 500 AED annual limit
Dental module 1: 3,500 AED. Optical 2 vision tests and 500 AED annual limit
Dental module 2: 5,000 AED. Optical 2 vision tests and 500 AED annual limit
Alternative treatment
Medical appliances & equipment; Psychiatric treatment; Alternative medicine; Chiropractic; Vitamins/ Supplements/ Preventative medicine; Contraceptives/ Birth control; Viral hepatitis (B&C) treatment/ services; New-born accommodation/ birth defects/ congenital coverage; (all subject to policy limits.)
Additional Services Covered (Through Service Providers Only)
Tele-consultation; International Assistance; Second Medical opinion
Additional remarks
*Eligibility: LSB Dubai visa holder Employees earning gross 4,000 AED and less per month only.

**Network hospitals cover in-patient treatment only

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Network hospitals cover in-patient treatment only.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.

**Exception for in-patient emergency treatment on direct-billing – respective Daman network in India.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
Please note this table is for illustrative purposes only and is not to be considered binding to Insure Direct (Brokers) LLC or National Health Insurance Company - Daman.
Please refer to the Schedule of benefits (SOB) and policy wording and general exclusions for full coverage.
Policy Wording and General Exclusions
* (LSB) Lower Salary Band employees earning gross 4,000 AED per month and less eligible only for Essential Benefits Plan.
** Daman schedule of benefits, policy wording and general exclusions apply.
Benefits

Essential Benefits Plan (LSB employees only*)

Classic
Chrome

Secure
Bronze

Secure
Silver

Select
Bronze Ex

Select
Silver

Select
Gold

Select
Platinum

Annual Limit
150,000 AED
160,000 AED
250,000 AED
300,000 AED
500,000 AED
1,000,000 AED
2,500,000 AED
5,000,000 AED
Territorial Limit
Dubai elective. UAE emergency
UAE. In-patient extended to South-east Asia, Arab Countries & Indian Sub-continent reimbursement only
UAE. In-patient extended to South-east Asia, Arab Countries & Indian Sub-continent reimbursement only
UAE. In-patient extended to South-east Asia, Arab Countries & Indian Sub-continent reimbursement only
UAE. Extended to Southeast Asia, India Subcontinent and Arab Country* for inpatient treatment only on reimbursement basis. Emergency cover Worldwide excluding USA, Canada & Europe.
Worldwide excluding USA, Canada & Europe. Emergency cover worldwide
Worldwide excluding US & Canada. Emergency cover worldwide
Worldwide
Network Directory
8
8
Essential 5
Essential 5
Comprehensive 3
Comprehensive 2
Exclusive 1 excluding USA and Canada
Exclusive 1 Worldwide
Daman Network Directory Click Here.
Pre-existing conditions
Covered subject to continuity of coverage; otherwise 6 month waiting period applies
In-patient
80% covered. Out-of-pocket limit 500 AED per encounter and an annual aggregate limit of 1,000 AED.
Out-patient
Covered. Pharmaceuticals annual limit 1,500 AED per person inclusive of coinsurance. Physiotherapy limited to 6 sessions. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Physiotherapy limited to 12 sessions. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Maternity
Normal delivery 7,000 AED. Complications,
C-section, termination 10,000 AED.
Within UAE: Normal delivery 7,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 7,000 AED.
Within UAE: Normal delivery 7,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 15,000 AED.
Hearing and vision aids/ Preventative services/ New-born care
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Repatriation of Mortal Remains
5,000 AED
5,000 AED
5,000 AED
7,500 AED
10,000 AED
10,000 AED
12,500 AED
Breast, colorectal, prostate cancer screening
Routine Dental
Dental module 1: 5,000 AED.
Routine Optical
2 vision tests and 500 AED annual limit.
Alternative Medicine
2,000 AED Per Person Per Year including consultation.
2,000 AED Per Person Per Year including consultation.
2,000 AED Per Person Per Year including consultation.
5,000 AED Per Person Per Year including consultation.
Chiropractic
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
Optional Chargable Extensions
Routine Dental
1,500 AED Per Person Per Year
1,500 AED Per Person Per Year
Dental module 1: 2,500 AED Per Person Per Year
Dental module 1: 3,500 AED Per Person Per Year
Dental module 1: 3,500 AED Per Person Per Year
Covered as a fixed benefit
Alternative Medicine
Covered as a fixed benefit
Covered as a fixed benefit
Covered as a fixed benefit
2,500 AED Per Person Per Year including consultation.
2,500 AED Per Person Per Year including consultation.
Covered as a fixed benefit
Chiropractic
Covered as a fixed benefit
Covered as a fixed benefit
Covered as a fixed benefit
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
18 sessions / consultations Per Person Per Year, maximum limit per visit 220 AED
Covered as a fixed benefit
Additional Services Covered (Through Service Providers Only)
Tele-consultation; International Assistance; Second Medical opinion
Additional remarks
* Eligibility: LSB Dubai visa holder Employees earning gross 4,000 AED and less per month only.

**Network Outside Dubai not applicable.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Network hospitals cover in-patient treatment only.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.

**Network Outside UAE not applicable.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.

**Network Outside UAE not applicable.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.

**Network Outside UAE not applicable. Except for in-patient emergency treatment on direct-billing – respective Daman network in India.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
Please note this table is for illustrative purposes only and is not to be considered binding to Insure Direct (Brokers) LLC or National Health Insurance Company - Daman.
Please refer to the Schedule of benefits (SOB) and policy wording and general exclusions for full coverage.
Policy Wording and General Exclusions
* (LSB) Lower Salary Band employees earning gross 4,000 AED per month and less eligible only for Essential Benefits Plan.
** Daman schedule of benefits, policy wording and general exclusions apply.

Contact Us

DMCC Address: Insure Direct (Brokers) LLC
Level 1, Almas Tower,
Jumeirah Lakes Towers,
Dubai, UAE, PO BOX 57006
Office Hours: Sunday To Thursday (8am to 4pm)
Contact Details:
+971 4 454 8829
Website: www.marsh.com/ae
DUBAI Office Address: Insure Direct (Brokers) LLC
23rd Floor Burj Al Salam
Trade Centre Roundabout
Dubai, UAE, PO Box 57006
Office Hours: Sunday To Thursday (8am to 5pm)
Contact Details:
+971 4 704 6670 / Main: +971 4 704 6666