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Does a basic plan pay for your treatment?

The three basic plans pay for different things. Pick a treatment to see what each plan's table says.

  • Hospital stay

    Dubai, Essential Benefits Plan
    IncludedYou pay 20%, up to AED 500 per encounter and AED 1,000 a year. Rooms have two or more beds. The insurer must approve the stay first.
    Abu Dhabi, Basic plan
    IncludedYou pay AED 200 per admission, up to AED 500 a year.
    Northern emirates, Basic plan
    IncludedSemi-private room. You pay 20%, up to AED 500 per stay and AED 1,000 a year. Non-urgent cases need prior approval.

  • Emergency treatment

    Dubai, Essential Benefits Plan
    IncludedAnywhere in the UAE, ambulance charges included. You pay 20% with the AED 500 and AED 1,000 caps. The insurer must approve within 24 hours of admission.
    Abu Dhabi, Basic plan
    IncludedEmergency care is covered throughout the UAE.
    Northern emirates, Basic plan
    IncludedThe insurer’s approval is required within 24 hours of admission. Outside the network, emergencies and life-threatening cases only.

  • GP or specialist visit

    Dubai, Essential Benefits Plan
    IncludedYou pay 20% per visit. A follow-up within seven days has no charge. You must see a GP first and be referred to a specialist.
    Abu Dhabi, Basic plan
    Not statedDaman’s individual FAQ gives AED 20 per doctor visit without naming the plan. Ask Daman to confirm for the Basic plan.
    Northern emirates, Basic plan
    IncludedYou pay 25%, up to AED 100 per visit. You need a GP referral before you see a specialist. Clinics only.

  • Blood tests, X-ray, MRI or CT scan

    Dubai, Essential Benefits Plan
    IncludedYou pay 20%. Outside an emergency, an MRI, CT scan or endoscopy needs the insurer to approve it first.
    Abu Dhabi, Basic plan
    IncludedYou pay 20%, up to AED 50 per visit.
    Northern emirates, Basic plan
    IncludedYou pay 25%.

  • Medicines

    Dubai, Essential Benefits Plan
    Included, with a limitUp to AED 2,500 a year, including your share. You pay 30% of every prescription.
    Abu Dhabi, Basic plan
    Included, with a limitUp to AED 1,500 a year, including your share. You pay 30%.
    Northern emirates, Basic plan
    Included, with a limitUp to AED 1,500 a year, from a set list of medicines. You pay 30%.

  • Physiotherapy

    Dubai, Essential Benefits Plan
    Included, with a limitUp to 6 sessions a year. You pay 20% per session. The insurer must approve first.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    Included, with a limitUp to 6 sessions a year, with prior approval. You pay 25%.

  • Pregnancy check-ups

    Dubai, Essential Benefits Plan
    Included, with a limit8 visits, a set list of first tests and 3 ultrasound scans. You pay 10%. The insurer must approve first.
    Abu Dhabi, Basic plan
    IncludedExamination, diagnosis and treatment for pregnancy in centres and clinics.
    Northern emirates, Basic plan
    ExcludedThe Basic plan excludes maternity.

  • Giving birth

    Dubai, Essential Benefits Plan
    Included, with a limitUp to AED 10,000 for a normal delivery or a medically necessary caesarean. You pay 10%, and the limits include your share.
    Abu Dhabi, Basic plan
    IncludedCovered with prior approval. A 6-month wait applies unless you had 6 months of unbroken cover before.
    Northern emirates, Basic plan
    ExcludedThe Basic plan excludes maternity.

  • Newborn baby

    Dubai, Essential Benefits Plan
    Included, with a limitOn the mother’s plan for up to 30 days from birth, with BCG and Hepatitis B vaccines and newborn screening tests. The baby needs its own plan from day 30.
    Abu Dhabi, Basic plan
    Not statedSee the dependants guide for the Abu Dhabi rule on enrolling a baby.
    Northern emirates, Basic plan
    Not statedThe Basic plan excludes maternity. Ask the insurer how to enrol a baby.

  • Dental treatment

    Dubai, Essential Benefits Plan
    Included, with a limitUp to AED 500 for consultation, extraction, fillings, root canal treatment, scaling, x-rays, antibiotics and prophylaxis. You pay 30% per visit.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    ExcludedExcluded, except in a medical emergency. Then you pay 25%.

  • Mental health counselling

    Dubai, Essential Benefits Plan
    Included, with a limitUp to AED 800 for outpatient counselling. You pay 30% per visit. Inpatient mental health care is excluded unless it is an emergency.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    Not statedAsk the insurer for the Basic plan table of benefits.

  • Glasses, hearing aids or laser eye surgery

    Dubai, Essential Benefits Plan
    ExcludedExcluded, except in a medical emergency. Then you pay 20%.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    ExcludedExcluded, except in a medical emergency.

  • A condition you already have

    Dubai, Essential Benefits Plan
    Included, with a limitMust be covered. It may be excluded for the first 6 months of your first scheme in the UAE. That limit does not apply to medical emergencies.
    Abu Dhabi, Basic plan
    Included, with a limitA 6-month wait applies to inpatient care for a list of conditions, unless you had 6 months of unbroken cover before.
    Northern emirates, Basic plan
    IncludedCovered, with no waiting period.

  • Dialysis

    Dubai, Essential Benefits Plan
    Included, with a limitUp to AED 60,000. You pay 20% per outpatient visit.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    Not statedAsk the insurer for the Basic plan table of benefits.

  • Video or phone consultation

    Dubai, Essential Benefits Plan
    IncludedVirtual consultations are listed under the 20% outpatient share. A circular of 3 April 2026 says no co-payment applies to telehealth. Ask your insurer which applies.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    IncludedNothing to pay for a consultation or lab service. Pharmacy is charged.

  • Vaccinations

    Dubai, Essential Benefits Plan
    Included, with a limitEssential vaccinations for newborns, children and adults, shown with a limit of AED 100. The flu vaccine is listed as mandatory every year.
    Abu Dhabi, Basic plan
    Not statedAsk Daman for the Basic plan table of benefits.
    Northern emirates, Basic plan
    Not statedAsk the insurer for the Basic plan table of benefits.

How should you read these answers?

"Not stated" means the plan's published table does not mention the treatment. It does not mean the plan excludes it. Ask the insurer before you book. The tables are as read on 11 November 2026.

Sources

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