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1.
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Who is Daman?
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Daman was established by the Abu Dhabi Government to provide a compulsory health insurance plan for expatriates and will have exclusive access to the public providers in Abu Dhabi. It was established in September 2005.
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2.
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Why choose Daman?
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The National Health Insurance Company - Daman is the first and largest specialized national health insurance company to be formed in the United Arab Emirates.
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3.
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Why has insurance replaced the health card?
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The new health insurance law issued by the Emirate of Abu Dhabi states that all expatriates working and residing in Abu Dhabi should be medically covered under insurance. The law also says visitors of United Arab Emirates should be medically covered under insurance.
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5.
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Where can I apply for insurance?
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For individuals and groups less than 50 members, please approach any of our branches (see Contact Us for locations). For groups exceeding 50 members, please contact our sales team operational at our Al Bateen office.
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6.
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How do I contact Daman?
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Daman’s competitive advantage is its superior customer service. Daman’s call centre is one of the largest in the region providing a consistent and high level of support to Daman’s valuable members 24 hours 7 days a week. For further information regarding details of contact please refer to our Contact Us page.
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7.
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Where can I provide my feedback?
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As valued members of Daman, we welcome all your feedback. Your feedback will give us insights on how to develop and improve our services. Please call our toll free number or email us on our customerinfo@damanhealth.ae or feedback@damanhealth.ae.
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8.
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What plans are offered by Daman?
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Please check the product link on our website www.damanhealth.ae for the complete range of health insurance products offered by Daman.
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9.
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When do I need to renew my card?
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Daman grants a one year insurance plan and should be renewed at the end of each policy year. The policy should be renewed at the same branch the card was issued from. Please give us a notice of at least 5 working days to transfer your file to another branch if needed.
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10.
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Who is eligible for Abu Dhabi Plan?
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Abu Dhabi Plan is the only basic plan provided by Daman. Expatriates with a total monthly salary package of less than AED 5000 or AED 4000 and accommodation, is the only criteria eligible for such a plan. Abu Dhabi plan costs AED 600 which is non-refundable in case of cancellation.
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11.
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What documents do I need to submit for the Basic Plan?
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To ensure a fast enrollment process, please make sure all the following documents are available: • Completed application form • Passport copy • One photograph • Salary certificate and a labour contract signed and stamped • Copy of valid General Health Authority services health card (if available). Additional documents might be requested if needed. For more details, please contact Daman on 800 432626. For newly hired housemaids, a medical examination should proceed before applying for the card.
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13.
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Who is eligible for the enhanced plans? What is the premium of each plan?
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Any person who is not eligible for the basic plan can get any of the 4 enhanced plans. Premiums are determined by the following factors: Age, Gender, Maternity and Dental coverage, Geographical coverage, Medical conditions or pre-existing diseases. Members older than 55 years or children younger than 7 months need to submit a medical report describing their health status. For more details, please contact Daman on 800 432626.
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19.
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When should I submit my claims?
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Claims should be submitted within 60 days from the date of service if you avail the service inside UAE and within 90 days from the date of service if you avail the service outside UAE.
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22.
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How do I know what my policy covers?
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Each member insured with Daman will get a manual along with the Health Insurance Card. The manual provides all the necessary information about the policy and its benefits, the geographical coverage, the network and the exclusions. You can also check our website for more details.
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23.
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Which hospitals are included in Daman’s network ?
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Daman has a large network of health service providers which is updated on a regular basis. The list of providers varies from one plan to the other, and can be checked in the manual provided with your card or through the online provider directory on our website.
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29.
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Does Daman cover dental treatment?
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Yes, Daman covers dental treatment for groups who are part of enhanced plans such as UAE, Regional, International and Global Plans. For individuals, dental services can be added only to International and Global plans.
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