Daman
Daman is an Abu Dhabi insurer owned by Pure Health Holding. It sells the Abu Dhabi Basic plan and health plans for individuals and families across the UAE, and it manages the Thiqa programme for UAE nationals in Abu Dhabi. In May 2025 its legal name changed from National Health Insurance Company - Daman to The National Insurance Company - Daman.
Out of 5 from 12,138 Google reviews across 7 offices
- Google Play4.517,993 ratings
- App Store4.46,856 ratings
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Daman
Daman averages 4.6 out of 5 across 12,138 Google reviews of its UAE offices, read 11 Nov 2026. Offices range from 2.5 to 5.0. Those reviews cover everything it sells, not only health insurance.
Read the Google reviews for each office
Daman health insurance
Daman sells the Abu Dhabi Basic plan, health plans for individuals and families in every emirate, the Flexi plan for the Abu Dhabi region, plans for Golden Visa holders and top-up plans for Thiqa members. It is not on the Dubai Health Authority list of insurers for the Essential Benefits Plan.
| Plan | Type | What it is |
|---|---|---|
| Abu Dhabi Basic Health Insurance Plan | Basic plan | For Abu Dhabi visa holders whose total salary is AED 4,000 a month with accommodation or AED 5,000 without, their dependants, and other categories set by the Department of Health. Daman's pages give no annual limit.15 |
| Individuals and Families Health Insurance | Local plan | For residents of Abu Dhabi, Dubai and the Northern Emirates, with optional worldwide cover. Daman names the Core and Enhanced series, the Care series and the Premier Plan. The page gives no annual limits.8 |
| Flexi Health Insurance Plan | Regional plan | Network clinics and hospitals within the Abu Dhabi region. Annual limit AED 150,000 per policy year.16 |
| Golden Visa - Core Silver | Golden Visa plan | Annual limit AED 300,000. UAE, extended to Southeast Asia, the Indian Subcontinent and Arab countries for in-patient treatment on reimbursement.17 |
| Golden Visa - Enhanced Gold | Golden Visa plan | Annual limit AED 2,500,000.17 |
| Golden Visa - Premier | Golden Visa plan | Annual limit AED 20,000,000.17 |
| Thiqa Top Up Plans | Top-up plan | For Thiqa members only. Annual limit up to AED 20,000,000. Network in the UAE, including Dubai and the Northern Emirates, and worldwide.18 |
| Retirees Health Insurance - Madeed | Retiree plan | For retirees. Daman's product list gives no annual limit.19 |
| Cover | With this insurer | Details |
|---|---|---|
| Basic plan, hospital stays | Included | You pay AED 200 per in-patient or day-care admission, with an annual cap of AED 500.14 |
| Basic plan, medicines | Included | 70% of the cost covered at network providers, with a 30% deductible and a total cover value of AED 1,500.14 |
| Basic plan, tests and scans | Included | 20% co-payment on diagnostics and laboratory services, to a maximum of AED 50 per visit.14 |
| Basic plan, emergency care | Included | Daman's plan page says the plan covers hospital stays, treatments and medicines within the Emirate of Abu Dhabi, and emergency services in the rest of the UAE.13 |
| Basic plan, chronic illness | Depends on plan | Covered after a six-month waiting period that applies to in-patient treatment for listed conditions. The wait does not apply if you had at least 6 months of unbroken cover under a plan approved by the Department of Health.15 |
| Basic plan, network | Included | Over 1,250 providers in the Emirate of Abu Dhabi.14 |
| Flexi, pharmacy | Included | 30% co-insurance, with a maximum limit of AED 1,500.16 |
| Flexi, maternity | Included | 10% co-insurance, with maximum limits of AED 7,000 for a normal delivery and AED 10,000 for a caesarean.16 |
More cover details (3)
| Cover | With this insurer | Details |
|---|---|---|
| Worldwide cover | Optional extra | An option on Individuals and Families plans.8 |
| Direct billing | Included | At providers in your plan's network. Check the provider in Find Hospital in the app before you go.21 |
| Digital insurance card | Included | In the Daman app and in your online member account.20 |
Published prices
- Abu Dhabi Basic plan, 2026, per member per year before VAT. People with low income: AED 997.5 at ages 18 to 40, AED 1,522.5 at 41 to 59 and AED 9,358 at 60 and over.7
- Families of residents insured through their employer (wife and three children under 18): AED 1,753.5 at ages 0 to 17, AED 2,100 at 18 to 40, AED 4,987.5 at 41 to 59 and AED 19,306 at 60 and over.7
- Domestic helpers of non-UAE nationals: AED 918.8 at ages 18 to 40, AED 1,921.5 at 41 to 59 and AED 8,822 at 60 and over. Domestic helpers of UAE nationals: AED 750 at ages 18 to 59 and AED 8,822 at 60 and over.7
- Married women aged 18 to 50 pay a mandatory maternity surcharge of AED 750 in every category.7
- Individuals and Families plans start from AED 800 a year, as of 11 November 2026.8
Check before you buy
- Daman is not among the 20 insurers the Dubai Health Authority lists as taking part in the Essential Benefits Plan.6
- Daman writes Basic plan eligibility as a total salary of AED 4,000 a month with accommodation or AED 5,000 without. The page does not say whether lower salaries count. Ask Daman before you apply.15
- On the Flexi plan, out-patient treatment is at network clinics only.16
- The branch locator lists the Dubai Al Barsha and Sharjah branches for new business and renewals of Enhanced and Thiqa Top-Up plans.23
Policy documents
- Claims: Frequently Asked QuestionsClaims guide
- Reimbursement Claim FormClaim form
How to claim with Daman
- Claims phone600 532626
- Claim onlineOpen claim page
Steps
- Submit a reimbursement claim in the Daman app or in your online account on the Daman website, and upload your documents there.11
- Send it within 180 days.11
- Follow the claim under My Claims in the app or online account.11
- If the claim is rejected or part approved, use Resubmit Claims and attach the documents that support it.11
- To dispute a settlement, contact Daman within 180 days of the payment notification or rejection letter.22
Documents to have ready
- Final itemised invoice showing each service, its date and its cost11
- Proof of payment, such as a card receipt or a hospital receipt stamped paid11
- Medical report with discharge summary, for hospital admissions and some out-patient services such as physiotherapy11
- Prescription copy, for medicines, glasses or lenses and medical appliances11
- Travel documents, for treatment abroad11
- Daman's claims FAQ says to submit within 180 days of the date of service. Its claim form says within 180 days from the invoice date.22
- The claims FAQ does not say how long a reimbursement takes. Ask Daman when you submit.11
Not happy with a claim? Complain to Daman at customerinfo@damanhealth.ae first. How to complain about a health insurer.
About Daman
- Legal name
- The National Insurance Company (Daman) PJSC
- Founded
- Established in 2005. Began operating in May 2006.1
- Type
- National insurance company on the Central Bank register, number 73.2
- Owner
- Pure Health Holding PJSC owns 100%. Q Health LLC owns 41% of Pure Health Holding and is fully owned by Abu Dhabi Development Holding Co. PJSC, which S&P describes as the Abu Dhabi government's sovereign wealth fund.9
- Listed on
- Its parent, Pure Health Holding, is listed on the Abu Dhabi Securities Exchange.9
- Headquarters
- Abu Dhabi23
- UAE branches
- The branch locator lists 17 branches and service desks: the head office and others under Abu Dhabi, Al Ain and Madinat Zayed, one in Dubai and one in Sharjah.23
- Also sells
- Travel insurance, Group health plans for businesses, Gratuity and employee benefits scheme19
- Previous name
- National Health Insurance Company - Daman, until May 20251
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 732
Financial strength
S&P Global Ratings reported insurance revenue of AED 5.4 billion for the first nine months of 2025, 6% above the same period of 2024, and net profit of AED 666 million as of the third quarter of 2025, up from AED 502 million a year earlier. The Moody's grade is as announced by the Abu Dhabi Media Office on 2 July 2026.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| Moody's | A1, insurance financial strength, Stable24 | UAE company | Jul 2026 |
| S&P Global Ratings | A, insurer financial strength and issuer credit, Stable9 | UAE company | 6 Feb 2026 |
| Period | Premiums | Profit | Assets |
|---|---|---|---|
| To third quarter 20259 | AED 666m |
Recent news
- Moody's A1 rating announced
PureHealth announced that Moody's Ratings had assigned Daman an A1 Insurance Financial Strength Rating with a stable outlook.24
- S&P assigns an A rating
S&P Global Ratings assigned its A long-term issuer credit and insurer financial strength ratings to Daman, with a stable outlook.9
- Daman starts writing property and casualty insurance
S&P says Daman does not expect to write more than AED 200 million of property and casualty premium during 2026.9
- New legal name announced
The Abu Dhabi Media Office said Daman would adopt the legal name The National Insurance Company - Daman as it entered property and casualty insurance.25
- Abu Dhabi Basic plan changes take effect
Daman announced updates to the Basic plan under Department of Health regulations that took effect on 1 July 2024.13
Contact Daman
- Phone, inside the UAE600 532626
- Phone, from abroad+971 2 614 9555
- Emailcustomerinfo@damanhealth.ae
- Complaints emailcustomerinfo@damanhealth.ae
- ComplaintsOpen complaints page
- HoursCall centre 24 hours a day, 7 days a week. Head office, Mussafah and Al Ain branches Monday to Thursday 8am to 8pm, Friday 8am to 4pm. Branches close at weekends.
- Head office3 Tunb Al Kubra St, Al Rawdah, W59 01, Abu Dhabi. Post to P.O. Box 128888, Abu Dhabi.
Branches (8)
| Branch | Address | Phone |
|---|---|---|
| Mussafah | Plot 12, Musaffah M4, Abu Dhabi | 600 532626 |
| Capital Mall | Capital Mall, Mohammed Bin Zayed City, Mussaffah, Abu Dhabi | 600 532626 |
| Alqurm Tadbeer | Makani Mall, Al Shamkhah, Abu Dhabi | 600 532626 |
| Al Ain | 409 Khalifa Bin Zayed The First St, Industrial Area, Shiebat Al Salam, Al Ain | 600 532626 |
| Western Region (Al Dafra Branch) | Commercial Area, Madinat Zayed | 600 532626 |
| Liwa | TAMM Center, Umm Al Zamoul Street, Hameem, Muzayraa | 600 532626 |
| Dubai Al Barsha | Hassanicor, Al Barsha 1, Dubai. Listed for Enhanced and Thiqa Top-Up new business and renewals. | 600 532626 |
| Sharjah | Crystal Plaza, Al Majaz 1, Sharjah. Listed for Enhanced and Thiqa Top-Up new business and renewals. | 600 532626 |
Common questions
How much does the Daman Basic plan cost in 2026?
For a person with low income aged 18 to 40, the 2026 premium is AED 997.5 a year before VAT. It is AED 1,522.5 at ages 41 to 59 and AED 9,358 at 60 and over. Married women aged 18 to 50 pay a further AED 750 maternity surcharge. Small investors, dependants and domestic helpers pay different premiums, see our Abu Dhabi page.7
Does Daman sell Dubai's Essential Benefits Plan?
Daman is not among the insurers the Dubai Health Authority lists as taking part in the Essential Benefits Plan. Its contact page still gives 00971 2 614 5454 and dubaibasic@damanhealth.ae for members with an Essential Benefits Plan. Ask Daman whether it will issue or renew one before you rely on it for a Dubai visa.12
How do I make a claim with Daman?
Submit it in the Daman app or in your online account on the Daman website, with an itemised invoice and proof of payment. Send it within 180 days. Track it under My Claims.11
How do I contact Daman?
Call 600 532626 inside the UAE or +971 2 614 9555 from abroad, or email customerinfo@damanhealth.ae. Daman's contact page lists no WhatsApp number.12
Is Daman the same company as National Health Insurance Company?
Yes. Daman says it adopted its new legal name in May 2025 to reflect its move beyond health insurance, starting with property and casualty insurance. The Central Bank register lists it as The National Insurance Company (Daman) PJSC, number 73, the same number it had under the old name.1
Where are Daman's other branches?
Besides the nine listed above, the branch locator shows desks at Bawabat Al Sharq Mall, Tadbeer Al Jimi, Al Wagan Municipality and Al Qou Municipality, and at the TAMM centres in Marfaa, Silaa, Delma and Ghayathi. Every branch uses 600 532626.23
How do I complain about Daman?
Call 600 532626 or email customerinfo@damanhealth.ae. Daman says it acknowledges a complaint within two working days and replies within 15 working days. If you are not satisfied, write again with your complaint number for a second review on the same timings. After that you can go to the Department of Health in Abu Dhabi or the Dubai Health Authority.12
Sources
27
1Daman, About us. Last checked 11 Nov 2026. Source document: About us
2Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
3Central Bank of the UAE, CB Register Entity of October 2023. Last checked 11 Nov 2026. Source document: CB Register Entity of October 2023
4Pure Health Holding PJSC, Consolidated financial statements, 31 December 2025. Last checked 11 Nov 2026. Source document: Consolidated financial statements, 31 December 2025
5Dubai Health Authority, Permitted Insurers. Last checked 11 Nov 2026. Source document: Permitted Insurers
6Dubai Health Authority, DHA Participating Insurers Results. Last checked 11 Nov 2026. Source document: DHA Participating Insurers Results
7Daman, Premium Per Member for Basic Plan. Last checked 11 Nov 2026. Source document: Premium Per Member for Basic Plan
8Daman, Individuals and Families Health Insurance. Last checked 11 Nov 2026. Source document: Individuals and Families Health Insurance
9S&P Global Ratings, Research Update: Abu Dhabi-Based Insurer The National Insurance Co. - Daman Assigned 'A' Rating; Outlook Stable. Last checked 11 Nov 2026. Source document: Research Update: Abu Dhabi-Based Insurer The National Insurance Co. - Daman Assigned 'A' Rating; Outlook Stable
10Daman, questions and answers, Individuals and Families Health Insurance. Last checked 11 Nov 2026. Source document: Individuals and Families Health Insurance
11Daman, Claims: Frequently Asked Questions (FAQS). Last checked 11 Nov 2026. Source document: Claims: Frequently Asked Questions (FAQS)
12Daman, Contact Us. Last checked 11 Nov 2026. Source document: Contact Us
13Daman, Abu Dhabi Basic Health Insurance Plan. Last checked 11 Nov 2026. Source document: Abu Dhabi Basic Health Insurance Plan
14Daman, Abu Dhabi Basic Insurance Plan Premium Updates. Last checked 11 Nov 2026. Source document: Abu Dhabi Basic Insurance Plan Premium Updates
15Daman, questions and answers, Abu Dhabi Basic Health Insurance Plan. Last checked 11 Nov 2026. Source document: Abu Dhabi Basic Health Insurance Plan
16Daman, Flexi Health Insurance Plan. Last checked 11 Nov 2026. Source document: Flexi Health Insurance Plan
17Daman, Golden Visa Holders Health Insurance. Last checked 11 Nov 2026. Source document: Golden Visa Holders Health Insurance
18Daman, Thiqa Top Up Plans. Last checked 11 Nov 2026. Source document: Thiqa Top Up Plans
19Daman, Our Products. Last checked 11 Nov 2026. Source document: Our Products
20Daman, Members. Last checked 11 Nov 2026. Source document: Members
21Daman, Services. Last checked 11 Nov 2026. Source document: Services
22Daman, Reimbursement Claim Form. Last checked 11 Nov 2026. Source document: Reimbursement Claim Form
23Daman, Branch Locator. Last checked 11 Nov 2026. Source document: Branch Locator
24Abu Dhabi Media Office, PureHealth's insurance vertical, Daman, receives Moody's A1 Insurance Financial Strength Rating. Last checked 11 Nov 2026. Source document: PureHealth's insurance vertical, Daman, receives Moody's A1 Insurance Financial Strength Rating
25Abu Dhabi Media Office, PureHealth drives insurance business growth with Daman's entry into Property and Casualty insurance market. Last checked 11 Nov 2026. Source document: PureHealth drives insurance business growth with Daman's entry into Property and Casualty insurance market
26Apple App Store, Daman Health. Last checked 11 Nov 2026. Source document: Daman Health
27Google Play, Daman. Last checked 11 Nov 2026. Source document: Daman
- Owner
- Medicalinsurance.ae research team
- Last review
- Next review due
- 10 May 2027
- Status
- Published