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 UAE Currency Symbol 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 UAE Currency Symbol 1,000,000

    • Outpatient co-insurance

      • Physician consulation: UAE Currency Symbol 50/consultation
      • Outpatient pharmacy: 20% or nil
    • Outpatient Pharmacy UAE Currency Symbol 10,000

    • Maternity – Up to annual limit

    • Home Nursing UAE Currency Symbol 200 day up to 90 days

    • Outpatient Medical Appliances and Equipment UAE Currency Symbol 1,000

    • Dialysis UAE Currency Symbol 30,000

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Value Choice Silver (Abu Dhabi)

    • Annual Limit UAE Currency Symbol 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 UAE Currency Symbol 500,000

    • Outpatient co-insurance

      • Physician consulation: UAE Currency Symbol 50/consultation
      • Outpatient pharmacy: 20%
    • Outpatient Pharmacy UAE Currency Symbol 7,500

    • Maternity – Up to annual limit

    • Home Nursing UAE Currency Symbol 200 day up to 60 days

    • Dialysis UAE Currency Symbol 25,000

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Value Choice Bronze (Abu Dhabi)

    • Annual Limit UAE Currency Symbol 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 UAE Currency Symbol 250,000

    • Outpatient co-insurance

      • Physician consultation: UAE Currency Symbol 50/consultation
      • Outpatient pharmacy: 20%
    • Outpatient Pharmacy UAE Currency Symbol 5,000

    • Maternity – Up to annual limit

    • Home Nursing UAE Currency Symbol 200 day up to 15 days

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Value Choice Gold (DNE)

    • Annual Limit UAE Currency Symbol 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 UAE Currency Symbol 1,000,000

    • Outpatient co-insurance

      • Physician consulation: 20% with UAE Currency Symbol 50 out of pocket
      • Outpatient pharmacy: 20% or nil
    • Outpatient Pharmacy UAE Currency Symbol 10,000

    • Maternity UAE Currency Symbol 25,000

    • Home Nursing UAE Currency Symbol 200 day up to 90 days

    • Outpatient Medical Appliances and Equipment UAE Currency Symbol 1,000

    • Dialysis UAE Currency Symbol 60,000

    • Dental

      • Module 5: 70% – UAE Currency Symbol 500 (inclusive of co-insurance)
      • Module 6: 80% – UAE Currency Symbol 3,000

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Value Choice Silver (DNE)

    • Annual Limit UAE Currency Symbol 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 UAE Currency Symbol 500,000

    • Outpatient co-insurance

      • Physician consulation: 20% with UAE Currency Symbol 50 out of pocket/consultation
      • Outpatient pharmacy: 20%
    • Outpatient Pharmacy UAE Currency Symbol 7,500

    • Maternity UAE Currency Symbol 20,000

    • Home Nursing UAE Currency Symbol 200 day up to 60 days

    • Dialysis UAE Currency Symbol 60,000

    • Dental

      • Module 5: 70% – UAE Currency Symbol 500 (inclusive of co-insurance)
      • Module 6: 80% – UAE Currency Symbol 2,000

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Value Choice Bronze (DNE)

    • Annual Limit UAE Currency Symbol 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 UAE Currency Symbol 160,000

    • Outpatient co-insurance

      • Physician consulation: 20% with UAE Currency Symbol 50 out of pocket/consultation
      • Outpatient pharmacy: 20%
    • Outpatient Pharmacy UAE Currency Symbol 5,000

    • Maternity UAE Currency Symbol 15,000

    • Home Nursing UAE Currency Symbol 200 day up to 15 days

    • Dialysis – 80% ( UAE Currency Symbol 60,000, inclusive of co-insurance)

      • Inpatient Treatment out of pocket limit of UAE Currency Symbol 500/encounter and an annual aggregate limit of UAE Currency Symbol 1,000
    • Dental
      • Module 5: 70% – UAE Currency Symbol 500 (inclusive of co-insurance)
      • Module 6: 80% – UAE Currency Symbol 1,000

    Buy Now

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