Uselect is a smart health insurance solution tailored for companies with 6 employees -150 members, offering flexibility of coverage with different module options. It provides access to essential healthcare services at a competitive price point, making it ideal for those who want quality care with cost clarity.
Access to top hospitals, clinics & pharmacies in the UAE
Coverage for outpatient & inpatient treatments
Includes maternity, emergency & chronic condition care
Direct billing network for cashless services
UAE business insurance compliant
Employee & Dependent Cover
Submit & track claims online with ease
Dedicated Account Support
For comprehensive UAE coverage with optional global limits
For businesses needing mid‑range limits and broader reach
For SMEs wanting basic coverage with partial non‑network access
For comprehensive UAE coverage with optional global limits
For businesses needing mid‑range limits and broader reach
For SMEs wanting basic coverage with partial non‑network access
Select Emirate
| Benefits |
Uselect Gold
|
Uselect Silver
|
Uselect Bronze
|
|---|---|---|---|
| Annual benefit limit per person (Options) |
|
|
|
| Territorial Limit (Options) |
|
|
UAE extended to Southeast Asia, Indian Subcontinent and Arab countries for inpatient only |
| Network (Options) | Royal – Supreme |
Key – Grand – Advanced |
Advanced – Primary |
| Pre-existing conditions | Fully covered |
Fully covered |
Fully covered |
| Outpatient Deductible: Physical Consultation | AED 50/25/Nil per consultation |
AED 50/25/Nil per consultation |
AED 50/25/Nil per consultation |
| Outpatient Pharmacy Co-insurance | 20% / Nil |
20% / Nil |
20% / 10% |
| Outpatient Pharmacy Limit | AED 10,000 / Annual Limit |
AED 7,500 / 10,000 / Annual Limit |
AED 5,000 / 7,500 / 12,500 in the Drug Formulary List |
| Maternity |
|
|
|
| Home Nursing | AED 200 /day up to 90 days |
AED 200 /day up to 60 days |
AED 200 /day up to 15 days |
| Outpatient Medical Appliances & Equipment | AED 1,000 |
– |
– |
| Dialysis | AED 30,000 |
AED 25,000 |
– |
| Get a Quote | Get a Quote | Get a Quote |
Fill out a short form online or speak to a Daman representative to get a customized quote based on your team size and coverage needs.
Choose from Bronze, Silver, or Gold tiers. Select your preferred network, territorial coverage, benefit limits, and optional add-ons like dental or optical.
Provide required documentation for your business and employees. Additional medical reports may be needed for certain age groups.
Review the final quote, complete payment, and receive your policy documents. Access your coverage and manage benefits via the Daman app or portal.
Explore our Frequently Asked Questions to gain clarity on coverage, claims, and everything in between.
If you’re a small and medium enterprise (SME) with 11 – 150 employees, you qualify for Uselect our group health insurance for SMEs.
You can buy a Uselect plan at Daman branches, online through the website and with the help of insurance brokers. You can also reach us through our call center 24/7 on 600-5-32626 or email us at [email protected] and we will ask one of our sales representatives to contact you.
Uselect plans are designed for SMEs (Small and Medium Enterprises) only. Individuals and families can go for any of Daman’s Individual Health Insurance plans here.
There are 3 different plan options under Uselect. Under each plan, you can choose from a variety of module options – from territory and annual limits to network selection, dental & optical coverage and many more.
At the time of application, you can request to add dental and optical benefits. Keep in mind, optical can only be opted if you have opted in for dental.
Yes, pre-existing conditions are covered up to annual limit. For members without continuity of coverage (CoC) in the UAE, coverage is up to 
250,000.
A medical report will only be required for members aged 65 years and above.
Yes, the medical check-up benefit is offered across all Uselect plans.