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Frequently asked questions
Alami Emergency Travel Health Insurance

If you claims falls below AED 15,000, you can file your claim through email travel.claims@damanhealth.ae and in Daman’s branches. If your claim is AED 15,000 or higher, please file it at one of our branches.

  • Original claim form
  • Copy of your Emirates-ID
  • Original itemized invoice with service date
  • Original prescription for medication
  • Investigation results and/or reports (lab tests, x-ray etc.) should be attached for procedures exceeding AED 1,000
  • Additional Requirements for Inpatient and Day Care (Hospitalisation Cases): Original Medical Report and / or Discharge Summary stamped and signed by the treating medical practitioner and health care provider. 
  • Proof of travel ( boarding pass, flight tickets etc.) 

You must submit your reimbursement form to Daman within 180 days from the last treatment date for services availed outside of the UAE.

Resubmission/Appeal of Reimbursement Claims - in case you disagree with a partially paid or rejected reimbursement claim, you have the right to appeal the decision. You can resubmit your claim with the supporting document(s)/justification(s) within 180 calendar days from the date of notification of partial payment or rejection.

Reimbursement of claims will be finalized within 15 days after successful submission of all required documents.

Kindly contact the Customer Service team in case of any questions about your claims: 

+971 2418 4888

After your claim was rejected because of various reasons, you still have the chance to resubmit your claim, adding missed out documents or new crucial information. Please contact our Customer Service: +971 2418 4888.

The TAT on claim reimbursement will be 15 days

Yes every UAE resident with a valid Emirates ID is eligible.

No, Travel health insurance plan must be purchased before you travel out of the UAE.

Before Inception of Policy, Policyholder can request for cancellation of the Policy or deletion of the Eligible Person based on the below conditions.

  1. Visa is rejected
  2. Certified by Physician that Eligible Person is not medically fit to travel. For such cases Policyholder will be entitled to a refund of premium subject to the deduction of AED 100 per Eligible Person as Administration fee.

Kindly note that for Single Trip Policy, Deletion is allowed only before inception of the Policy.

Yes, you will be covered for all medical expenses until your state is stabilised and you are fit for travel.

"Emergency" - The acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at health facility could reasonably be expected to result in placing the patient’s health or bodily functions in serious jeopardy or dysfunction of any body organ or part.

Any expenses arising due to pregnancy, childbirth, miscarriage or abortion is not covered under your plan exception any emergency treatment required due to accidental injury. 

Only emergency dental treatment is covered under your plan.
Example: to relieve immediate pain only 

Yes, Your plan offers coverage for Medical Evacuation. In case of an emergency if required, you will be transported by the most appropriate mode of transport to the nearest healthcare facility where appropriate medical care is available. Please contact emergency assistance service provider at +971 2 418 4888 and they will arrange for the same.

Coverage for pre-existing conditions is limited to medical emergency only. Any further treatment after your condition is stabilized is not covered in case of pre-existing condition.

No, medical emergency treatment while travelling in the UAE is not covered.

No, repatriation to the UAE is not covered.

In case of emergency, 
a) Call an Ambulance
b) If you don’t have the ambulance number, call on international assistance company on +971 2418 4888

Yes, if specified in the Schedule of Benefits, a member will be eligible for Covid-19 treatment.

Emergency hospitalization/In-patient treatment is covered under your plan. Following services are excluded: (1) Case not requiring Hospitalization (2) Any Quarantine (3) Any outpatient treatment and outpatient pharmaceuticals, (4) All types of testing related to Covid-19.

Members should mandatorily conduct the PCR test for COVID-19 within 96 hours of the flight along with subsequent medical report confirming negative results.

All types of testing related to Covid-19 is excluded under Alami Plan.

Certificate of Continuity (CoC)

A CoC is a certification or letter given by the health insurance provider of a cancelled health insurance policy. It states the period of health insurance coverage of a group/company or an individual.

The CoC must include the following:

  • Name of insurer
  • Health insurance policy number
  • Effective date of health insurance policy
  • Expiry date of health insurance policy
  • Policy type
  • Name of insured
  • Nationality of insured
  • Gender of insured
  • Date of birth of insured
  • Authorized signatory (insurance company)
  • Insurance company seal
  • Certificate issuance date

In the Emirate of Abu Dhabi, a CoC is a mandatory requirement prior to buying a new health insurance policy. The CoC is used by insurance companies to ensure compliance to the Abu Dhabi Health Insurance Law No. (23) of 2005 which requires all residents of the Emirate to have health insurance coverage. Non-compliance will result in fines.

Use the table below to check whether you need a CoC:

 

Requirement/Scenario

Certificate of Continuity (CoC)

Newcomer to the United Arab Emirates

No

New visa issued from Abu Dhabi (change status)

No

Abu Dhabi member moving to a new employer in Abu Dhabi

Yes

Dependent of a newcomer to Abu Dhabi (AD visa)

No

Dependent of a member moving to a new employer in Abu Dhabi

Yes

Newborn baby for Abu Dhabi (born in UAE)

No

A CoC is issued upon the request of the company holding the policy or by an individual insured under this policy. It can be requested as follows:  

  • Member of a policy: Members can now download their Certificate of Continuity (CoC) by signing in to their MyDaman online member account or via Daman's App

If a CoC is not provided, a fine will be calculated from the date of the latest Daman insurance policy expiry date up to the application date. However, if you do not have a Daman health insurance policy, the fine will be calculated from 2009 up to the application date.

The CoC is provided by the health insurer free of charge.

Covid-19

Novel Coronavirus (COVID-19) is a new strain of coronavirus which may cause illness in animals or humans. In humans, several coronaviruses are known to cause respiratory infections ranging from the common cold to more severe diseases. It was first identified in a cluster with pneumonia symptoms in Wuhan city, Hubei province of China. The case fatality rate is currently at 3.4% globally, as confirmed by WHO, and mainly in elderly persons and those with co-morbid conditions.

Novel Coronavirus strains are spread from person to person through contact with contaminated respiratory droplets from an infected person (through coughing or sneezing) or contaminated hands. The virus can spread through touching a contaminated surface. People can also catch COVID-19 if they breathe in droplets from a person with COVID-19 who coughs out or exhales droplets. Therefore, it is important to stay more than 1 meter (3 feet) away from a person who is sick.

The main symptoms of the disease include fever, cough and, in the most severe cases, shortness of breath. Some patients may experience aches and pains, nasal congestion, runny nose, sore throat or diarrhea. These symptoms are usually mild and begin gradually.

No vaccine or specific treatment for COVID-19 is available. The treatment of COVID-19 depends on enhancing the immunity level of patients, treating the symptoms and easing complications, as there is no specific treatment for the virus to date.

  1. Avoid contact with people suffering from respiratory infections exhibiting COVID-19 symptoms
  2. Avoid handshakes, nose-to-nose greetings, hugging or kissing others and maintain at least a two-meter distance between yourself and anyone who is coughing or sneezin
  3. Frequently wash your hands with soap and water for at least 20 seconds. Use an alcohol-based hand sanitizer if soap and water are not available
  4. Avoid touching your eyes, nose or mouth without washing your hands
  5. Clean surfaces regularly
  6. Avoid close contact with live or dead farm or wild animals and avoid eating animal products that are undercooked
  7. Cover your mouth and nose with your bent elbow or tissue when you cough or sneeze. Then dispose of the used tissue immediately
  8. Make sure to get enough rest and consume large amounts of fluids
  9. Adhere to all instructions issued by the local authorities and governments

We urge you to isolate yourself from other people and call your healthcare provider. Before visiting the hospital or clinic, ensure that you call ahead and tell them the reason that you are visiting. On the way, avoid contact with others and cover your mouth and nose with your sleeve or a tissue when coughing or sneezing.

We also encourage you to verify your symptoms by using our Coronavirus Assessment Tool before contacting a healthcare provider.

If you show COVID-19 symptoms, your policy will cover medically required services requested by a treating physician until a diagnosis is established. We hope in such cases that your test results return negative. However, in the unfortunate event your test turns out positive for COVID-19, the healthcare provider will facilitate the treatment together with local authorities in line with their regulations.

COVID-19 tests and treatment undergone abroad are not part of your health policy.

We will only cover medically necessary testing, when medically indicated for patients with COVID-19 symptoms referred by a medical physician and in an approved medical facility.

If you have any further questions, we encourage you to contact the UAE authorities:

    1. Ministry of Health & Prevention - call 80011111
    2. Abu Dhabi: Department of Health - Estijaba service – call 8001717
    3. Dubai: Dubai Health Authority – call 800342

We have moved our operations online. Simply go to www.damanhealth.ae sign-in to your “MyDaman” account and access the following services:

  • Add or delete members, or change data
  • Download documents and access information: invoices issued, travel and insurance certificates, members’ digital cards and statements of accounts
  • Payments: pay your premium via credit cards, bank transfers or bank deposits. Additionally, send proof of payment to cashier.hq@damanhealth.ae

For more information about how to use our online services mentioned above, please read the service manuals available here.

Customers who used to visit our branches to:

  • Enroll or renew their insurance policies
  • Request Insurance Continuity Certificate (COC)
  • Request and renew Aounak Health Insurance Card
  • Submit their claims above AED 15.000

You can easily submit your request here.

Signed LOA and POA are to be sent from your official company email to  Distribution.Support@damanhealth.ae.

You can find our bank account details below to be used for bank transactions: 

For Dubai Click here

For Abu Dhabi Click here

 

You can easily log in to Daman Mobile App or sign in to your account on www.damanhealth.ae to access the following services:

  • Daman Digital card details
  • Know your benefits (Schedule of Benefits and General Exclusions)
  • Track your preapproval request
  • Submit and track your reimbursement claim
  • Access Telemedicine (call a Doctor) for non-emergency cases

As the situation develops, we will follow it closely and inform you as soon as possible of any developments that may impact our services, in compliance with instructions from the relevant health authorities.

For elective surgeries in Abu Dhabi and other emirates:

Please consult your doctor.

For elective surgeries in Dubai:

The DHA (Dubai Health Authority) postponement of elective surgeries until further notice only applies to DHA licensed medical providers and/or professionals and Dubai Healthcare City licensed medical providers and/or professionals. Dental centres and clinics in health facilities are limited to receiving urgent cases only, such as acute dental pain, pus infections, injuries etc. And all other appointments are to be postponed till further notice.
 

Reimbursement claims can be submitted from the comfort of your home. There is no need to come back to the UAE.

To submit a claim, log into Daman mobile app and click on "My claims”. Or sign in to www.damanhealth.ae and click on reimbursement claims.

To submit your claim, log into Daman mobile app and click on "My claims”. Or sign in to www.damanhealth.ae and click on reimbursement claims.

Kindly click here, then choose Abu Dhabi Basic Insurance Plan (Group) and complete your application.

Yes, you will be receiving an email and will be contacted by our sales agents and you will have more clarification about the missing documents.

At Daman, we always strive to support the health and safety of you and your family. As such, we would like to inform you that - in collaboration with VPS Healthcare - we are offering you a COVID-19 PCR test at a discounted rate of AED 80 in Dubai and Northern Emirates.

 

Simply visit a VPS Healthcare facility and present your Daman digital insurance card or Emirates ID at the time of testing to avail the discounted price.

 

For more information about this promotion, please call VPS Healthcare at 800 55 or 02 304 1111.

Daman Challenge

The Daman Challenge is a community health initiative led by the National Health Insurance Company Daman, in partnership with the Abu Dhabi Sports Council. The challenge is focused on encouraging community members to encourage adapting healthy lifestyle and maintain healthy weights or to lose weight through conscious dieting and regular exercise.

Committed to the health and wellbeing of the UAE, Daman seeks to insure a healthy future for all UAE citizens and residents. In line with the wider vision of the UAE, the challenge wishes to inspire and motivate all those in the UAE to live healthy and active lifestyles.

Daman aims to create a fitter, healthier and more active community in Abu Dhabi and the UAE through this challenge.

All UAE citizens and residents above the age of 16 are welcome to take part in the Daman Challenge. Community members can sign up for the Daman Challenge here and have a chance to win.

Starting on 12 September 2021, the Daman Challenge will run for a period of four weeks.

There are a wide range of prizes available for those who are successful in losing weight and maintaining weight during the Daman challenge. Participants can also win prizes for maintaining a Body Mass Index (BMI) within healthy limits.

You can sign up for the Daman challenge via the website: damanhealth.ae/en/challenge-registration with four Easy steps:

  • Step 1: Fill in the registration form with your personal information
  • Step 2: Add your height and measure your initial weight
  • Step 3: Upload your ‘current’ photo/screenshot of your weight or Body Mass Index (BMI)
  • Step 4: Click on the consent and submit button

When registering for the Daman challenge, you need to enter the category that you are looking to enter, followed by submitting your current weight and an image of yourself to compare against. Once the challenge has been completed, you will need to share your subsequent weight and another image of yourself having completed the Daman challenge.

All UAE residents and citizens over the age of 16 are welcome to join the Daman Challenge. There is no specific weight criteria to enter the challenge, however, the best male and female participants, who have lost over 5% of their weight, around 5% of their weight, and who lost between 3–5% of their weight, will be eligible to win fabulous prizes.

Participants can also win prizes for maintaining a Body Mass Index (BMI) within healthy limits.

In addition, individuals who actively champion the Daman Challenge over social media via the hashtag, #Daman_Challenge, will be awarded the status of ‘Challenge Ambassador’ and will also be in with a chance of winning prizes.

Get your friends and family involved in the Daman challenge via social media. Simply use the hashtag, #DamanChallenge and share your fitness tips, motivation, and progress. You could win our ‘Challenge Ambassador’ award, if you regularly share your progress via social media!

The health and wellbeing of our members and the UAE community at large has always been a long-standing priority for Daman. We have run a wide range of community health programmes to inspire people to get healthy and exercise more. In addition, we have sponsored some of Abu Dhabi’s largest sporting events, including the ITU World Triathlon Series Abu Dhabi, as well as sponsoring sporting entities such as Abu Dhabi Cycling Club.

Emirates ID and mobile app

We stopped printing health insurance cards. Members can access their health insurance details from their Daman mobile app. You can download your digital insurance card and use it in place of your physical insurance card, The Emirates ID card will also qualify members to access healthcare services at providers under Daman’s network. 

Yes, Daman members will be able to use their digital card found on their Daman app and Emirates ID at medical facilities under the Daman network. The Daman app will give you access to features on the move such as your policy number, and schedule of benefits and nearest providers.

When you visit health providers in your network you have an option of providing your digital card number in the app or your Emirates ID as Daman has trained the health services providers on using a secure online platform where they can match the Emirates ID number with the member’s health insurance file that is available in Daman data base.

You can register to Daman’s app using your Emirates ID number and policy number, if you do not have your policy number click on “I don’t know my policy number” and fill in the necessary information to select the policy you wish to link with your mobile app. You can also ask your sponsor or employer who bought the policy for this number. If you have more than one health insurance policy, you will have to create multiple accounts to be able to access each insurance benefits separately.

If you do not hold your Emirates ID and wish to register on the Daman app, please call 800432626 and ask about your Daman card number and policy number. Once provided by our call center agent, you can use the Daman card number and policy number to create an account on Daman app or Daman’s website.

In exceptional cases our members will receive a physical Daman insurance card, you can register to the app using the information printed on your insurance card.

Yes, if you already have a MyDaman account created on Daman’s website, you will be able to use it to login to the Daman app. If you don’t have a MyDaman account yet, you can register on the Daman app directly using only your Emirates ID number and policy number. In case you don’t have your policy number, you can click on “I don’t know my policy number” and the Daman app will list the available insurance policies under your details.

You can do so by downloading Daman app where you can have access to your policy number, schedule of benefits and access to the providers click here to update your Emirates ID number on our website.

If you do not have your Daman’s card number, you can reach our call centre on 800432626 to get your card number and then update your Emirates ID here

 

No they are not linked. Each must be renewed separately.

No it will not. We use your Emirates ID number to check if you have valid health insurance coverage. You can still use your digital card found on your Daman mobile app. 

It is recommended that you download and register to the Daman mobile app. The Daman app provides you your health insurance details, including your Daman card number. Daman members who have international emergency coverage need to contact the number via the app and provide the Emirates ID number for emergency medical assistance.

MENA Region: In Patient and Outpatient services – please share your digital card and EID with the provider that offers direct billing in the network.

India: Only in-patient, elective treatment is covered on direct billing. Please contact the provider, as per the website, and provide your Emirates ID number.

International Providers, excluding MENA: The member need to approach Daman International Assistance services minimum 5 days prior to availing the treatment. Daman will validate your eligibility and provide necessary approvals for the treatment to be carried out at the selected provider. For any enquiries, please email intl_assistance@damanhealth.ae.

The use of Emirates ID is available for use in any provider across UAE in the Daman Network as per your plan. You can also use the Daman app to check and/ or search for an in-network healthcare provider near you.

Daman processes allows you to just present a copy of your Emirates ID or show your Daman digital card (through the Daman App) to the provider to avail medical services.

Daman will continue printing cards for its members who do not hold an Emirates ID cards

We recommend that you download the Daman app as it has all of your insurance details. If you or the healthcare provider have the Emirates ID card’s copy or its number, they can check our system if you are eligible for coverage using the number. However, healthcare providers may need to see another form of valid identification document, so it is advisable that your carry your Official identification.

Madeed

To be eligible for the Madeed plan, you must fall under the following criteria:

  • Be a holder of a Retirement Visa issued by the General Directorate of Residency and Foreigners Affairs (GDRFA-Dubai) 
  • Be at least 55 years old if you are the principal member of the policy  
  • Are dependents eligible to be enrolled in the Madeed plan? 

Yes, dependents sponsored by Retirement Visa holders are eligible to be enrolled in this plan.

Your policy duration is 1 year (annual contract) and can be renewed on an annual basis.

No, the Madeed plan is available only for Retirement Visa holders issued by the GDRFA-Dubai.

You can buy a Madeed plan at Daman branches, online through the website and with the help of insurance brokers. You can also reach us through our call centers 24/7 and we will ask one of our sales representatives to contact you.  

You can choose from 3 plan options under Madeed. Plans vary in terms of network, geographical coverage and other benefits:

  •     Madeed Bronze 
  •     Madeed Silver 
  •     Madeed Gold 

Depending on the plan option, there are 3 geographical coverage options to choose from: 

  •     UAE (Madeed Bronze)
  •     UAE and home country (HC) (Madeed Silver)
  •     Worldwide (WW) (Madeed Gold)

Yes, Non-Network coverage is offered under Madeed Plans, as specified in the plan Schedule of Benefits (SOB) on a reasonable and customary basis.

At the time of application, you can request to add dental and optical benefits under your Madeed plan. 

Your premium will vary according to your age and the plan option you have chosen.  Our Daman sales representative will guide you accordingly to find a reasonable coverage and premium that meet your needs.

Yes, pre-existing conditions declared in the Individual Application Form (IAF) are covered up to a maximum of AED 150,000.  

The Madeed plan is offered with 3 different pharmacy option limits as follows: 

  •     AED 3,000 (Madeed Bronze)
  •     AED 5,000 (Madeed Silver)
  •     AED 10,000 (Madeed Gold)

Yes, the Medical check-up benefit is covered under the Madeed Silver and Madeed Gold plans.

Pandemics/epidemics are excluded under the Madeed plan. However, as directed by the Dubai Health Authority (DHA), treatment for COVID-19 is covered under the Madeed plan till further notice.

Yes, to encourage wellbeing your Madeed plan offers a screening benefit for:

  •     Annual Breast Cancer Screening
  •     Annual Prostate Cancer Screening
  •     Colorectal Cancer Screening
  •     Cervical Cancer Screening
  •     Hepatitis C Virus Screening

Obstetric Ultrasounds

Effective from April 1, 2019, Daman will cover up to a maximum of three (3) procedures within all three (3) trimesters of your pregnancy, with one (1) procedure performed per single trimester as long as the ultrasound procedure is part of your maternity benefits in your insurance policy. For more information please click here.

Online Payments

The premium payment link is sent to your registered email address and registered mobile number.

You have to login to your online account as a policy holder and check the payment link under the invoice tab.

Please follow the below steps:

  • Click the application status tab
  • Click the invoices tab
  • Select Online creation from date (Application submission date)
  • Click search
  • You will get the invoice for your transaction 

You have to login to your online account as a policy holder and check the payment link under the pending actions tab.

Please follow the below steps:

  • Click the application status tab
  • Click the fines tab
  • Select Online creation from date (Application submission date)
  • Click search
  • You will get the fine for your transaction 

The premium payment link is sent to your registered email address and registered mobile number. 

The fine related to the new sponsor will have increased in case you tried to pay after 3 calendar days from the issuance date of the fine. 

The system will block new payment trials for one hour. Please select the correct card type and try again after an hour. 

Reasonable and Customary Charges (R&C)

R&C charges refer to the average price of a particular treatment across the network of providers for a specific plan. Daman applies R&C rates to claims incurred out of the plan’s network as high non-network prices impact the policy’s renewal premium.

Claims from non-network providers (out of network) are reimbursed only if such benefits exist in the plan’s Schedule of Benefit (SOB). Check SOB in your Daman mobile app or MyDaman account to see out of network claims coverage. For some plans, Reasonable and Customary charges (R&C) are applicable for claims reimbursement.

To receive maximum policy benefits, members are encouraged to seek treatments at Network Providers. If going to non-network providers is unavoidable, the member might not receive the full share of the cost if it is higher than other providers in your plan’s network.

 

The below scenarios can assist you in understanding:

 

•  Scenario 1 – If the R&C rate is less than the actual price charged by the Non-Network Provider, the R&C rate is applied in calculating the reimbursed claim payment.

•  Scenario 2 – If the actual price charged by the Non-Network Provider is less than the R&C rate, the actual price rate is applied in calculating the reimbursed claim payment.

 

This is illustrated below for a case where 20% co-insurance applies for all covered services by Non-Network Provider: Example - R&C: Consider that a cost for a particular surgery is AED 1000 at a network hospital.

 

 

Paid amount After applying 20% co-insurance

Maximum reimbursed claim payable to the member

R&C: For a particular surgery within your network

AED 1000 AED 800

AED 800

(Lower of R&C or Actuals after applying applicable Coinsurance)

Scenario 1:

Claimed Amount

(Amount Charged by Non-Network provider higher than R&C rate)

AED 1500 AED 1200

Scenario 2:

Claimed Amount

(Amount Charged by Non-Network provider lower than R&C rate)

AED 500 AED 400

AED 400

(Lower of R&C or Actuals after applying applicable Coinsurance)

 

Thiqa Top-Up

Previously, Thiqa was offering 90% coverage in Dubai and Northern Emirates.  With the recent changes, Thiqa will not be offering coverage in Dubai and Northern Emirates. 

Due to the recent changes to your Thiqa plan coverage, there are certain benefits which are no longer covered. That's why we have extended your Thiqa Top-Up coverage so you can continue to enjoy the best healthcare services through our broad network of partners, including hospitals, health centres, clinics and pharmacies. 

Previously, Thiqa used to offer 90% coverage in Dubai and the Northern Emirates, while 10% was under your Thiqa Top-Up plan. However, since Thiqa does not cover these networks anymore, the full 100% will be covered under your Top-Up plan.
 

If you already have a Thiqa Top-Up plan, you do not need to buy a new one.  The benefits will be offered automatically until your Thiqa Top-Up policy expires. You will only need to buy a new Thiqa Top-Up plan upon renewing your policy.

No, there is no change in your Thiqa Top-Up plan non-network coverage. You will continue to be covered as per your plan terms and conditions on a reimbursement basis.

Your Top-Up plan should complement your Thiqa coverage.  Hence, if your Thiqa category has been changed, you should buy a new Thiqa Top-Up plan that is applicable to your new category.  Please note that additional premium may be applicable.

If your eligibility in your current Thiqa Top-Up plan has changed, you will get a refund as per policy terms and conditions. 

Yes, various territorial coverage options are offered under Thiqa Top-Up plans, which you can opt for depending on your needs.

In order to offer cost-effective Health insurance solutions, Maternity, Dental and Optical benefits are not offered under Thiqa Top-Up plans. 

Daman’s Thiqa Top-Up plan prices vary according to your age and the type of product you choose. A member of our sales team will provide you with a number of plans and their prices that are suitable for your needs.

You may visit the Daman website to log your request to buy a Thiqa Top-Up plan here:

https://www.damanhealth.ae/eDamanApp/loadContactForm.action?request_locale=en

Select Enhanced Plan as the type of request, provide the required information in the form and submit it.  One of our sales representatives will get in touch with you to complete your application. 
 

For a new application, you will need to submit the following documents:

VAT

Value Added Tax is an indirect tax that is being introduced by the UAE Government, which will be payable by both businesses and individuals.

Yes, unless there is an exception under the Federal Law that VAT does not apply to a particular set of goods and/or services. Exceptions are published by the Federal Tax Authority.

There is a possibility for business owners to claim back their VAT contribution, provided they have registered for VAT and meet the requirements. For further information, please visit www.tax.gov.ae

No, there are also certain rules that apply for transition policies i.e., ongoing policies where the policy coverage extends to 2018.

The current understanding is that VAT will also be payable for that period. Where the insurance policy is issued in 2017 and expires in 2018, tax will be applicable for the time period where health insurance coverage is provided in 2018.

For example, where a policy is issued on the 1st of October 2017 and expires on the 30th of September 2018, VAT at the rate of 5% will be pro-rated for the nine (9) months (1st of January 2018 – 30th of September 2018) that the policy is in effect.

Yes. Where a policy is issued on the 1st October 2017 and expires on the 30th September 2018, VAT at the rate of 5% will be pro-rated for the nine (9) months (1st of January 2018 – 30th of September 2018) that the policy is in effect.

The invoice will display the VAT charge based on the final number of members enrolled under the policy at the time of enrolment.<br><br>For transition policies, a revised invoice will be issued to you on or after 1st of January 2018 setting out the pro-rated VAT charge.

Yes, terms and conditions in the policy wording have been amended to include provisions on VAT.

A copy of the policy terms and conditions can be found here

Yes, the TRN is required so that it is reflected on our invoice. The inclusion of your TRN on our bill is required for you to recover the incurred VAT within your VAT return. We will contact you shortly for this information.

Please visit the website for the Federal Tax Authority – www.tax.gov.ae

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