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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. The company is ISO 9001 certified for Quality Management Systems and ISO 22301 certified for Business Continuity Management.


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. Sara Awad Issa Musallam
H.E. Sara Awad Issa Musallam
Board Member

H.E. Sara Awad Issa Musallam is a Board Member of the National Health Insurance Company – Daman.

Her Excellency is also a Member of the Abu Dhabi Executive Council and is Chairperson of the Human Resources and Executive Management Committee,  Abu Dhabi Department of Education and Knowledge (ADEK) and Abu Dhabi School of Government’s Board of Trustees.

Her previous roles include serving as Vice President of Aerospace, Renewables and ICT Platform at Mubadala Investment Company and as a Business Analyst at BP International for several years.

Her Excellency holds a Master’s degree in Business Administration from the American University of Sharjah and a Bachelor’s degree in Applied Sciences specialising in Business.

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.

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.

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