Daman is offering Thiqa Top-Up plans that will extend, compliment, and cover the benefits that have been excluded under Thiqa programme.

Thiqa Top-Up offers the best healthcare services through our broad network of partners, hospitals, health centers, clinics, and pharmacies.

Thiqa Top-Up FAQ

1. What benefits are not covered by my Thiqa program Top-Up Plans, as a result of the program changes?

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

2. How will the changes on the Thiqa program coverage impact my existing Thiqa Top-Up plan coverage?

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.

3. I already have an existing Thiqa Top-Up plan. Do I need to buy a new plan to enjoy the benefit changes being offered by Daman?

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.

4. Is my non-network coverage under the Thiqa Top-Up plan modified because of Thiqa changes?

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.

5. My Thiqa category has changed. Can I continue to be covered under my existing Thiqa Top-Up plan?

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.

6. What happens to my old Thiqa Top-Up plan if my Thiqa category changes? Do I get a refund for the period I didn’t use it?

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

7. Does the Thiqa Top-Up plan offer coverage outside the UAE?

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

8. Are Maternity, Dental and Optical benefits offered under Thiqa Top-Up plans?

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

9. How much are Thiqa Top-Up plans?

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 so you can choose one that is best suited to needs.

10. How can I buy a Thiqa Top-Up plan?

BUying a Thiqa Top-Up plan is easy. Simply visit the Daman website to log your request to buy a Thiqa Top-Up plan here:

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.

11. What documents do I need to submit to buy a Thiqa Top-Up plan?

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

• Individual enhanced application form (Download from)

• Valid Passport copy

• Valid Emirates ID copy

• Valid Thiqa card

• Medical examination form (for 61 years old and above & 6 months old and below, declared conditions) as and when required.

• Signed quotation