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About us

The National Health Insurance Company – Daman is the UAE’s leading specialised health insurer, providing comprehensive health insurance solutions to about 3 million members in the UAE.

Daman is a public joint-stock company that is 80% owned by the Abu Dhabi Government with the remaining 20% owned by Munich Re.

Daman, a pioneer in health care insurance, drives innovation through a combination of state-of-the-art technology and healthcare-related expertise offered by a highly skilled and knowledgeable workforce. Members benefit from added value through unique offerings such as the disease and case management programmes. Daman also operates a 24/7 customer call centre and has a medical services authorisation team in direct contact with Daman’s network of healthcare providers. It also provides a diverse range of online services that are unmatched in the UAE.

Daman has set high standards in the health insurance industry and has been awarded a number of internationally recognised awards and quality-focused certifications in a relatively short span of time.


As the region's leading specialised health insurer, providing comprehensive health insurance solutions to more than 3 million members in the UAE, we are the partner of choice for many of the country's most prominent organisations.

Our innovation comes from our market-leading digitalisation as well as the expertise of our professionals.

We have consistently been ranked among the best in the field, with a range of awards for our market-leading digitalisation and social initiatives.

Contributing to the community is important to us, which is why we host over 300 family-friendly events each year to improve health and wellness for everybody.

Our values

We set the standard with our exceptional service through the creation and use of internationally-recognised best practices.

We are pioneers in health insurance and continue to introduce innovative solutions as part of our vision to become the most trusted partner in health for the UAE community.

We communicate openly and transparently and our departments and joint ventures collaborate seamlessly to unite as one organisation.

We support our people in enabling them to exceed the expectations of our members and stakeholders.

We are motivated by an aspiration to achieve, which we channel both individually and collectively, into providing an unparalleled level of service to make our members happy.

Board of Directors
H.E. Tareq Abdulraheem Al Hosani
H.E. Tareq Abdulraheem Al Hosani

H.E. Tareq Abdulraheem Al Hosani is the Chairman of the National Health Insurance Company – Daman.

Mr. Al Hosani currently serves as Deputy Chairman of Abu Dhabi Health Services Company, SEHA, as well as Chief Executive Officer of Tawazun Economic Council. He brings experience from a number of key local industries, having served as CEO at Al Yah Satellite Communications (Yahsat), Deputy Director General of the National Electronic Security Authority (NESA) and Associate Director at Mubadala Investment Company.

Mr. Al Hosani holds a Master’s degree in Electronics and Communication from Pierre et Marie Curie University in France and a Bachelor’s degree in Aeronautics Engineering from Saint Louis University in the USA. He has also gained an Accelerated Executive Development Diploma from IMD Business School in Switzerland.

Khaled Abdullah Almass
Khaled Abdullah Almass
Vice Chairman

Khaled Abdullah Almass is the Vice Chairman of the National Health Insurance Company – Daman.

Mr. Almass is also the Chairman of Imass Investment and serves as Board member at Tourism Development & Investment Company and Abu Dhabi National Energy Company – TAQA. He has previously served as Board member in companies specialising in a variety of fields, including real estate, finance and direct investments.

Mr. Almass expertise in development leadership and investment strategies combined with his drive, energy and a wealth of experience has seen him in a number of senior management positions of financial institutions in the UAE which include: Abu Dhabi Investment Company. He also assisted in the setup of the National Bank of Abu Dhabi’s listed equities department, and has participated in managing a variety of successful public and private offerings.

Mr. Almass holds a Bachelor’s degree in Management from Marylhurst University, USA.

H.E. Khalaf Rahma Alhammadi
H.E. Khalaf Rahma Alhammadi
Board Member

H.E. Khalaf Rahma Alhammadi is a Board Member of the National Health Insurance Company – Daman.

Mr. Alhammadi has more than 25 years of executive management experience across public and semi-government sectors, and currently works on the Social Development Committee of the Abu Dhabi Executive Council. He also holds the positions of Vice Chairman of Hilal Bank and Director General of the Abu Dhabi Retirement Pensions and Benefits Fund.

Mr. Alhammadi holds an Applied Science Bachelor’s degree in Business Information Technology, and a Higher Diploma in Business Information Systems.

Sara Musallam
Sara Musallam
Board Member

Sara Musallam is a Board Member of the National Health Insurance Company – Daman.

Ms. Musallam is Executive Director of Private Schools and Quality Assurance at the Abu Dhabi Department of Education and Knowledge (ADEK). Prior to her role at ADEK, she served as Vice President of Aerospace, Renewables and ICT Platform at Mubadala Investment Company. She also worked as a Business Analyst at BP International for several years.

Ms. Musallam received a Master’s degree in Business Administration from the American University of Sharjah and holds an Applied Sciences Bachelor’s degree in Business.

Dr. Clemens Muth
Dr. Clemens Muth
Board Member

Dr. Clemens Muth is a Board Member at the National Health Insurance Company – Daman.

Dr. Muth is also the CEO of DKV Deutsche Krankenversicherung and sits on the Boards of Management of a number of other Munich Re-affiliated business; namely ERGO Group and ERGO Deutschland. He has accumulated nearly 20 years of experience in the insurance industry, particularly health, across a range of geographies as part of the wider Munich Re group. His experience is also drawn from academia having previously worked as an assistant lecturer at the University of Munich, Germany.

Dr. Muth holds a PhD degree from the University of Munich preceded by Studies in Economics in the Universities of Mainz and Munich, Germany.

Dr Michael Bitzer
Dr Michael Bitzer
Chief Executive Officer

Dr Bitzer has been our CEO since 2005, when we were first set up.

He has 30 years of experience in healthcare, medicine, and strategic management, and spent 16 years in the German military where he trained medically and reached the rank of major. After his military service, he worked for companies like Aventis Pharma, Gemini Consulting, and Munich Re before joining us.

Dr Bitzer has a PhD in Medicine from Albert-Ludwigs University in Freiburg, Germany and a Bachelor of Business Administration specialising in Marketing from the University of Applied Sciences in Lahr, Germany.

A keen sportsman, he enjoys running and cycling in his spare time, as well as cross-country skiing in the mountains of Europe.

He is also on the board of Saudi Enaya Cooperative Insurance Company.

Dr Jad Aoun
Dr Jad Aoun
Chief Medical Officer

Dr Aoun has been with us since 2006, when he joined as Operations Director, responsible for the medical side of the business. As CMO, he now looks after medical strategy, services, community health management and provider relations.

He has over 20 years’ experience in healthcare, including 4 years as a GP, and was involved in the creation of the Thiqa programme for UAE nationals. Dr Aoun has worked in India for Munich Re, where he was Vice President of Operations, for MedNet in Saudi Arabia, and in Lebanon for Securité Assurances.

Dr Aoun holds an MD from Latvia, which he gained at the Latvian Medical Academy in Riga.

In his spare time, he enjoys bodybuilding and boating.

Dr Sven Rohte
Dr Sven Rohte
Chief Commercial Officer

Dr Rohte joined us as CCO in 2010, and oversees the commercial aspects of our business, as well as the Thiqa programme for UAE nationals, which we manage on behalf of the Government of Abu Dhabi.

Previously, he was the CCO at Thuraya Telecommunications. He has more than 10 years’ experience in strategy management, and has worked for companies like Roland Berger Strategy Consultants on business transformation projects in the Middle East, Asia, Africa, and Europe.

Dr Rohte holds a PhD in Business Administration from the University of Trier in Germany, where he also lectured as an assistant professor.

A passionate triathlete, he has participated in TriYAS, the ITU World Triathlon Abu Dhabi, and many other world-class running, swimming and cycling events brought by Daman’s ActiveLife.

Hamad Al Mehyas
Hamad Al Mehyas
Chief Process Officer

Mr Al Mehyas is responsible for overseeing our operational processes, including claims, authorisation, case management, and medical investigation and audit. 

He has over 15 years of experience, and is considered one of the first UAE nationals to specialise in forensic medicine, a field in which he has received an excellence award. He has worked  in a number of senior roles at the federal and local governmental levels, as well as around the GCC region. These include leading roles in the UAE National Biosecurity Office, Ministry of Justice, and the Food Safety Department at the Ministry of Environment and Water, where he was the Director of Laboratories.

He holds a bachelor’s degree from Glamorgan University, and a master’s degree from the University of Central Lancashire, both in the UK.

In his spare time, Mr Al Mehyas enjoys football, community work, poetry, cars and travelling.

Peter Bauer
Peter Bauer
Chief Information Officer

Mr Bauer has been with us since 2010, when he first joined us. He was our Chief Services Officer before he became our CIO in 2013. He looks after the informational elements of the business, including IT infrastructure, services and business intelligence.

He has over 20 years of experience in IT and healthcare operations, and has worked in advanced healthcare services in Germany for companies such as Munich Re, Almeda AG and TOP Business Consulting AG.

Mr Bauer has a Diploma in Electrical Engineering from the University of Erlangen in Nuremberg, Germany.

In his spare time, Mr Bauer enjoys music, playing guitar, kitesurfing and triathlons.

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