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Micro-SME Business Group Health Insurance – Value Choice

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Micro-SME Business Group Health Insurance – Value Choice

Micro-SME Business Group Health Insurance – Value Choice

Select from customisable Gold, Silver and Bronze plans based on your requirements.

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Choose a simplified package that adds the kind of value employees appreciate.

As a small business investor, owner of a company in a freezone, or freelancer, you want to reduce your risk when it comes to taking care of your health as well as your dependents’ or your employees' health.

Value Choice by Daman is easy to follow and offers variety of benefits that gives you many options to choose from: Value Choice, Flexible Coverage.

Covers 1 - 10 employee and their dependents.
Ideal for freezone companies, freelancers, consulting firms, small businesses etc.
50% coverage for out of network reimbursement claims
Easy online enrolment and flexible coverage with a variety of plans.
Enjoy the flexibility to select network providers or co-insurance limit to reduce premium.
Option to add dental and optical benefits

Choose the plan that is more convenient for you

Value Choice Gold (Abu Dhabi)

Annual Limit – AED 2,500,000.
Network (Options) – Over 3,100 providers under the Supreme Network
Area of Coverage – Worldwide excluding USA
Pre-existing conditions covered up to AED 1,000,000
Outpatient co-insurance

Physician consulation: AED 50/consultation
Outpatient pharmacy: 20% or nil

Outpatient Pharmacy – AED 10,000
Maternity – Up to annual limit
Home Nursing – AED 200 day up to 90 days
Outpatient Medical Appliances and Equipment – AED 1,000
Dialysis – AED 30,000

Value Choice Silver (Abu Dhabi)

Annual Limit – AED 750,000.
Network (Options) – Over 2,700 providers under the Key Network
Area of Coverage – UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient treatment only
Pre-existing conditions covered up to AED 500,000
Outpatient co-insurance

Physician consulation: AED 50/consultation
Outpatient pharmacy: 20%

Outpatient Pharmacy – AED 7,500
Maternity – Up to annual limit
Home Nursing – AED 200 day up to 60 days
Dialysis – AED 25,000

Value Choice Bronze (Abu Dhabi)

Annual Limit – AED 500,000.
Network (Options)

Over 2,200 providers under Advanced Network
Over 1,000 providers under Narrow Network

Area of Coverage – UAE extended to home country (if home country is part of Southeast Asia, Indian Subcontinent and Arab countries) for inpatient only
Pre-existing conditions covered up to AED 250,000
Outpatient co-insurance

Physician consulation: AED 50/consultation
Outpatient pharmacy: 20%

Outpatient Pharmacy – AED 5,000
Maternity – Up to annual limit
Home Nursing – AED 200 day up to 15 days

Value Choice Gold (DNE)

Annual Limit – AED 2,500,000.
Network (Options) – Over 3,100 providers under the Supreme Network
Area of Coverage – Worldwide excluding USA
Pre-existing conditions covered up to AED 1,000,000
Outpatient co-insurance

Physician consulation: 20% with AED 50 out of pocket
Outpatient pharmacy: 20% or nil

Outpatient Pharmacy – AED 10,000
Maternity – AED 25,000
Home Nursing – AED 200 day up to 90 days
Outpatient Medical Appliances and Equipment – AED 1,000
Dialysis – AED 60,000
Dental

Module 5: 70% – AED 500 (inclusive of co-insurance)
Module 6: 80% – AED 3,000

Value Choice Silver (DNE)

Annual Limit – AED 750,000.
Network (Options) – Over 2,700 providers under the Key Network
Area of Coverage – UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient treatment only
Pre-existing conditions covered up to AED 500,000
Outpatient co-insurance

Physician consulation: 20% with AED 50 out of pocket/consultation
Outpatient pharmacy: 20%

Outpatient Pharmacy – AED 7,500
Maternity – AED 20,000
Home Nursing – AED 200 day up to 60 days
Dialysis – AED 60,000
Dental

Module 5: 70% – AED 500 (inclusive of co-insurance)
Module 6: 80% – AED 2,000

Value Choice Bronze (DNE)

Annual Limit – AED 500,000.
Network (Options)

Over 2,200 providers under Advanced Network
Over 1,000 providers under Narrow Network

Area of Coverage – UAE extended to home country (if home country is part of Southeast Asia, Indian Subcontinent and Arab countries). Emergency: Southeast Asia, Indian Subcontinent and Arab countries for inpatient treatment only.
Pre-existing conditions covered up to AED 160,000
Outpatient co-insurance

Physician consulation: 20% with AED 50 out of pocket/consultation
Outpatient pharmacy: 20%

Outpatient Pharmacy – AED 5,000
Maternity – AED 15,000
Home Nursing – AED 200 day up to 15 days
Dialysis – 80% (AED 60,000, inclusive of co-insurance)

Inpatient Treatment out of pocket limit of AED 500/encounter and an annual aggregate limit of AE 1,000

Dental

Module 5: 70% – AED 500 (inclusive of co-insurance)
Module 6: 80% – AED 1,000

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