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Built with Start-ups and SMEs in mind

Our exclusive health insurance solution enables Start-ups and SMEs to access comprehensive benefits, competitively priced. A variety of plans is available, offering flexibility to companies to tailor their health insurance solution, regardless of company size. Our portal provides a fast and efficient service, where members can get instant quotes and submit their application online from the convenience of their home or office.

What sets us apart…

Pre-existing conditions covered with no sub-limit and optional no waiting period

'Health Insurance in a day’ under our fast-track service

No minimum number of employees required

Multiple plans available including: International territorial limit; optional routine dental and optical cover

Flexibility of utilising multiple plans within one policy based on employee designation.

Eligible to members aged 0 to 99; lower and higher salary band employees; spouse and children of employees.

View our Plans

Insurance Partner:

Daman Logo

With Daman, we cater for our clients' needs. Regardless of the size of the workforce, our clients can tailor their insurance policy to satisfy their company's requirements; availing multiple plans within a single policy, from a single provider.

Daman - Insurance Partner

Why Daman?

Service
  • 24/7 customer service helpline
  • In-house administration and pre-authorisation
  • International assistance
  • MyDaman portal and App
  • Second medical opinion facility
Wellness
  • ActiveLife
  • Daman Health Guardian
  • Disease management programmes
Network
  • Largest direct billing network in the UAE spanning 1,500 providers

Health Insurance Plans

To View our Plans, please select if your company is located in the DMCC Free Zone or Dubai / Northern Emirates.
DMCC Free Zone
Dubai / Northern Emirates
Benefits

Classic
Chrome Extended

Secure
Bronze

Select
Bronze

Select
Silver

Select
Gold

Select
Platinum Plus

Annual Limit
160,000 AED
250,000 AED
500,000 AED
1,000,000 AED
2,500,000 AED
5,000,000 AED
Territorial Limit
UAE
Extended to Southeast Asia, India Subcontinent and Arab Country* for inpatient treatment only on reimbursement basis for elective and emergency treatment
Worldwide excluding USA, Canada & Europe.Elective & Emergency
Worldwide ex USA & Canada (Elective & Emergency)
Worldwide excluding USA, & Canada. Emergency cover worldwide
Worldwide excluding USA & Canada. Emergency cover worldwide
Worldwide
Network Directory
GP
Essential 5
Comprehensive 3
Comprehensive 2
Exclusive 1 excluding USA and Canada
Exclusive 1 Worldwide
Daman Network Directory Click Here.
NAS Network Directory Click Here.
Pre-existing conditions
In-patient
Out-patient
Covered. Pharmaceuticals annual limit 5,000 AED per person. Physiotherapy limited to 12 sessions. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Maternity
Within UAE: Normal delivery 10,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 7,000 AED.
Within UAE: Normal delivery 10,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 30,000 AED.
Hearing and vision aids/ Preventative services/ New-born care
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Repatriation of Mortal Remains
5,000 AED
5,000 AED
7,500 AED
10,000 AED
10,000 AED
12,500 AED
Breast, colorectal, prostate cancer screening
Chronic conditions requiring haemodialysis/ peritoneal dialysis
50,000 AED
50,000 AED
50,000 AED
50,000 AED
Alternative Medicine
Homeopathy and Ayurveda treatment only upto AED 2,500
Homeopathy and Ayurveda treatment only upto AED 2,500
Homeopathy and Ayurveda treatment only upto AED 2,500
Homeopathy and Ayurveda treatment only upto AED 2,500
Homeopathy and Ayurveda treatment only upto AED 2,500
Homeopathy and Ayurveda treatment only upto AED 2,500
Chiropractic
Limited to 18 sessions / consultations Per Person Per Year, Maximum limit Per visit AED 220
OPTIONAL CHARGEABLE EXTENSIONS
Routine Dental
AED 1,500 Per Person Per Year
AED 2,500 Per Person Per Year
AED 3,500 Per Person Per Year
AED 3,500 Per Person Per Year
AED 5,000 Per Person Per Year
Routine Optical
AED 500, 2 vision tests per year
AED 500, 2 vision tests per year
AED 500, 2 vision tests per year
AED 500, 2 vision tests per year
AED 500, 2 vision tests per year
Additional Services Covered (Through Service Providers Only)
Tele-consultation; International Assistance; Second Medical opinion
Additional remarks
*Network hospitals cover in-patient treatment only.

**Non-network reimbursement claims (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.Extended to territorial covered on reimbursement .

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*Direct billing network within UAE only.Exception: Inpatient emergency treatment on direct billing- Respective Daman Network in India

Extended to territorial covered on reimbursement

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In & Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

Inpatient on direct billing within Territorial limit- Daman respective Network.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In & Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

Inpatient on direct billing within Territorial limit- Daman respective Network.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In & Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

Inpatient on direct billing within Territorial limit- Daman respective Network.

**Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
Please note this table is for illustrative purposes only and is not to be considered binding to Marsh Emirates Insurance Brokerage LLC or National Health Insurance Company - Daman.
Please refer to the Schedule of benefits (SOB) and policy wording and general exclusions for full coverage.
Schedule of Benefits
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
Policy Wording and General Exclusions
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
* Daman schedule of benefits, policy wording and general exclusions apply.
Benefits

Secure
Bronze

Secure
Silver

Select
Bronze Ex

Select
Silver

Select
Gold

Select
Platinum

Annual Limit
250,000 AED
300,000 AED
500,000 AED
1,000,000 AED
2,500,000 AED
5,000,000 AED
Territorial Limit
UAE Extended to Southeast Asia, India Subcontinent and Arab Country* for inpatient treatment only on reimbursement basis for elective and emergency treatment
UAE Extended to Southeast Asia, India Subcontinent and Arab Country* for inpatient treatment only on reimbursement basis for elective and emergency treatment
UAE Extended to Southeast Asia, India Subcontinent and Arab Country* for inpatient treatment only on reimbursement basis. Emergency cover Worldwide excluding USA, Canada & Europe.
Worldwide excluding USA, Canada & Europe. Emergency cover worldwide
Worldwide excluding US & Canada. Emergency cover worldwide
Worldwide
Network Directory
Essential 5
Essential 5
Comprehensive 5
Comprehensive 2
Exclusive 1 excluding USA and Canada
Exclusive 1 Worldwide
Daman Network Directory Click Here.
Pre-existing conditions
In-patient
Out-patient
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Covered. Pharmaceuticals annual limit 5,000 AED per person. Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Co-pay applies
Maternity
Within UAE: Normal delivery 10,000 AED Complications,
C-section, termination 10,000 AED. Outside UAE: 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 8,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 10,000 AED.
Within UAE 100% covered. Outside UAE 15,000 AED.
Hearing and vision aids/ Preventative services/ New-born care
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Covered as per DHA
Repatriation of Mortal Remains
5,000 AED
5,000 AED
7,500 AED
10,000 AED
10,000 AED
12,500 AED
Breast, colorectal, prostate cancer screening
Routine Dental
Dental module 1: 5,000 AED.
Routine Optical
2 vision tests and 500 AED annual limit.
Alternative Medicine
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
AED 2,500 Per Person Per Year including consultation. Homeopathy and Ayurveda treatment only
Optional Chargable Extensions
Routine Dental
1,500 AED Per Person Per Year
1,500 AED Per Person Per Year
Dental module 1: 2,500 AED Per Person Per Year
Dental module 1: 3,500 AED Per Person Per Year
Dental module 1: AED 5,000 Per Person Per Year
Covered as a fixed benefit
Additional Services Covered (Through Service Providers Only)
Tele-consultation; International Assistance; Second Medical opinion
Additional remarks
*In & Out-patient on direct billing in UAE.

**Network Outside UAE not applicable.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In & Out-patient on direct billing in UAE.

**Network Outside UAE not applicable.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In & Out-patient on direct billing in UAE.

**Network Outside UAE not applicable. Except for in-patient emergency treatment on direct-billing – respective Daman network in India.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
*In and Out-patient on direct billing in GCC, Jordan, Syria, Egypt, Yemen, Sudan, Morocco, Tunisia, Algeria, Lebanon.

**In-patient on direct billing within territorial limit – Daman respective network.

***Non-network reimbursement claims covered on actual (refer to Schedule of Benefits for % reimbursement for non-network claims.)
Please note this table is for illustrative purposes only and is not to be considered binding to Marsh Emirates Insurance Brokerage LLC or National Health Insurance Company - Daman.
Please refer to the Schedule of benefits (SOB) and policy wording and general exclusions for full coverage.
Schedule of Benefits
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
Policy Wording and General Exclusions
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
DOWNLOAD
* Daman schedule of benefits, policy wording and general exclusions apply.
Get your Quote Now!

Contact Us

Marsh DMCC Address: Marsh Emirates Insurance Brokerage LLC
Level 1, Almas Tower,
Jumeirah Lakes Towers,
Dubai, UAE, PO BOX 57006
Office Hours: Monday To Friday (8am to 4pm)
Contact Details:
Insurance.dmcc@marsh.com
+971 4 704 6671 / +971 4 573 6205
Website: www.marsh.com/ae
DUBAI Office Address: Marsh Emirates Insurance Brokerage LLC
Burj Al Salam Tower
Dubai, UAE, PO Box 64057
Office Hours: Monday To Friday (8am to 5pm)
Contact Details:
Insurance.sme@marsh.com
+971 4 704 6646 / +971 4 704 6626
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