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When traveling, travel insurance is usually helpful. In particular, consider which things you consider important to insure. A lot is possible, but not everything is necessary. The main reason for taking out travel insurance is the help you get in an emergency. Think of an unplanned early return journey. Or a longer than planned stay including extra travel costs as a result of an accident, illness, or death. These types of events usually cost you a lot of money and time, when it is not covered anywhere else.

Roughly speaking, two types of travel insurance can be distinguished: continuous travel insurance and short-term travel insurance. Both travel insurance insures you and/or your belongings during your holiday or weekend away. The basic cover of travel insurance usually offers assistance and cover for extra costs that you have to incur as a result of, for example, illness, an accident, or death.

What is continuous travel insurance?

Do you go on holiday or a weekend away more than once a year? Then continuous travel insurance is in many cases the cheapest. With that of the ANWB you are assured of the trusted help of the Daman on your holiday (s), but also during weekends away.

What is short-term travel insurance?

If you go on holiday once a year, a short-term variant is usually the cheapest. Short-term travel insurance ends automatically after your holiday and you only pay a premium once.

What risks does travel insurance cover?

This differs per provider and per insurance. At Daman, you are insured with the basic travel insurance cover for unforeseen expenses that may occur during your trip. Think of repatriation from abroad, extra transport and accommodation costs, and replacement accommodation.

Moreover, with travel insurance from the Daman, you can consult for medical advice from a local doctor on a team of expert care providers, nurses, and doctors. That is great if you need medical help abroad. You can expand your travel insurance with additional cover. For example, the additional cover for medical costs. Because your health insurance often only reimburses the Dutch rates for medical treatments, while the costs for this can be higher abroad.

Alami Travel Insurance Plans by Daman

Daman Travel Insurance plan is called Alami which in Arabic means “My World”. It’s a travel health insurance package that allows you to open a whole new world of possibilities that puts your mind at ease. With Alami, you can enjoy a hassle-free trip outside the UAE with various plan choices to choose the number of days of coverage.

Switch to Daman for a worry-free trip abroad. Our Outbound Travel Health Insurance Plan – Alami, provides you with a wide variety of cover options if urgent and unexpected medical treatment is needed during your trips abroad. Daman will maintain your peace of mind no matter where you fly around the world.

Alami Bronze Plan Benefits

The Bronze Plan comes with 15 days and 30 days coverage period with an annual benefit limit of AED 500,000 per person. The 90 days plan comes with an annual limit of AED 200,000 per person on the trip.

Coverage: Worldwide Emergency – Excluding UAE
Duration/Premium:

• 15 days for AED 99
• 30 days for AED 139
• 90 days for AED 99 (Worldwide Emergency – Excluding UAE, USA, and Canada Coverage)

Plan Name	Alami – Bronze
Coverage Period	Single Trip: 15 days and 30 days Plans	Single Trip 90 days
Annual Benefit Limit	AED 500,000 Per Person Per Trip	AED 200,000
Territorial Limit	Worldwide excluding USA, Canada, and UAE
Special Conditions	·          Coverage for EMERGENCY TREATMENT only. Elective (Planned) treatment not covered. ·          Coverage outside UAE is limited to 15 days per treatment.
Emergency Treatment1		Coverage
Inpatient & Day Treatment		100% covered
Hospital Accommodation & Services		100% covered
Consultant’s, Surgeon’s & Anesthetist’s Fees and other fees		100% covered
Diagnostics (X-Ray, MRI, CT-Scan, Ultra Sound, etc.), Laboratory (Specialized investigation and scan including but not limited to MRI, Scan, Endoscopies)		100% covered
Pharmaceuticals		100% covered
Ambulance Services (in Medical emergency cases, subject to General exclusions)		100% covered
Other Benefits		Coverage
Companion Accommodation2 (Maximum limit of AED 300 per day)		100% covered
Medical Evacuation (through International Assistance Service providers only)		100% covered
Repatriation of Mortal Remains to country of origin (AED 10,000)2		100% covered
Maternity not covered
International Emergency Assistance Services (Through Service Providers Only)
Emergency Medical Advice
Medical Referrals, In-Patient Case Management
Assistance with Prescription Medicine

1. All Emergency cases do not require pre-authorization but should be notified to Daman within 24 hours by calling +971 2 4184888 or email intl_assistance@damanhealth.ae.

2. Covered on Reimbursement Basis. Emergency Out-patient Treatment services covered on a reimbursement basis.

Daman Alami Annual Multi-Trip Plan

The Alami Multi-Trip Plan gives coverage of medical Worldwide Emergency – Excluding UAE for the multi-trip duration total Premium is AED 469.

Plan Name	Alami – Bronze
Coverage Period	Annual Multi Trip
Annual Benefit Limit	AED 500,000 Per Person Per Policy Year
Territorial Limit	Worldwide
Special Conditions	·          Coverage for EMERGENCY TREATMENT only. Elective (Planned) treatment not covered. ·          Coverage outside UAE is limited to 90 days per treatment. ·          A single holiday or business trip may not exceed 90 days
Emergency Treatment1		Coverage
Inpatient & Day Treatment		100% covered
Hospital Accommodation & Services		100% covered
Consultant’s, Surgeon’s & Anesthetist’s Fees and other fee		100% covered
Diagnostics (X-Ray, MRI, CT-Scan, Ultra Sound, etc.), Laboratory (Specialized investigation and scan including but not limited to MRI, Scan, Endoscopies)		100% covered
Pharmaceuticals		100% covered
Ambulance Services (in Medical emergency cases, subject to General exclusions)		100% covered
Other Benefits		Coverage
Companion Accommodation2 (Maximum limit of AED 300 per day)		100% covered
Medical Evacuation (through International Assistance Service providers only)		100% covered
Repatriation of Mortal Remains to country of origin (AED 10,000)2		100% covered
Maternity not covered
International emergency assistance services (Through Service Providers Only)
Emergency Medical Advice
Medical Referrals, In-Patient Case Management
Assistance with Prescription Medicine

For more information and purchasing of these plans visit Daman Travel Insurance Portal.

CNBC monitored an increase in the total value of profits made by the UAE insurance companies listed in Dubai by 21% over the past year, which is evidence that these companies have benefited from the repercussions of the “Covid 19” outbreak.

The network conducted a survey in which it compared the net profits achieved by insurance companies in Dubai at the end of 2020 compared to the end of 2019.

The comparison showed that the insurance companies in the emirate achieved a combined profit of 800 million dirhams over the course of 2019, while it achieved 1.004 billion in 2020, an annual increase of 21%.

The comparison also reported that these companies recorded a combined profit of 114 million dirhams for the fourth quarter of 2019, while they achieved 117 million dirhams in the fourth quarter of 2020, that is, they recorded an increase of 3%.

In terms of combined revenues, companies achieved 12.8 billion dirhams in 2019, while they earned 13.3 billion dirhams in 2020, recording an increase of 4%.

The comparison also reported that “Orient” led the insurance companies in Dubai in the value of net profits for 2020, as it gained a net profit of 414 million dirhams, recording an increase of 0.2%, compared to its net profit in 2019, and “Orient” accounted for a market share of 32% of total revenues. Dubai insurance companies in the last year.

AXA developed a comprehensive Travel Insurance package to meet all of your needs. AXA can offer security AXA Travel Insurance can helping: Loss of personal baggage, of money, as well as passport As you are taking your ride. Your personal property will be protected in the event of unintended harm or theft.

Passengers with delayed baggage: If you are about to arrive at your destination for four hours or more. You will be supplied with vital things such as personal hygiene items, medicines, and clothes in the event of an emergency.

Delay in Expected Departure
Flight delays of 6 hours or more due to unpredictable factors such as strikes, adverse weather, mechanical failure, or technical fault.

The costs of accidental medical expenses and transportation resulting from illness or injury while travelling can be very high, so ensure that you’re fully covered before going. We will ensure easier transportation is available to you, either in your country of residence or in a closer hospital.

Axa Travel Insurance Plans:

The below-provided information is only for Smart Insurance Plan by AXA, for travelers going outside Gulf Region. For Gulf region see AXA travel Inbound Plan. Read more about AXA Travel Insurance UAE.

AXA Travel Smart and Schengen Plan:

If you decide to fly to Australia, the USA, Europe, or elsewhere, don’t let unplanned incidents derange your plans. Have faith in AXA to protect your peace of mind – wherever you move. AXA insurance provides medical expenses, trip costs, departure fees, and various other incentives, allowing you to enjoy your holiday without financial stress.

A 24-hour/7 Life-Long Alarm Center An extensive network of multilingual healthcare staff is available for immediate healthcare assistance at all times of the year, around the clock, 365 days a year. To say that things are done fast and fair simply claims that they are, which can easily be seen to be a fallacy if not applied fairly or accurately Axa follows through on its credibility of quality service, making it simple to file a claim and getting a prompt reimbursement Additional insurance protection for you and the members of your family, your belongings, your liabilities, your travel plans, and more insurance are included in this package. forms on the track mean that no waiting time is involved in what happens on the track and results being apparent. our travel agent or you can register on the AXA website to unlock your travel coverage immediately.

AXA Travel Smart and Schengen Benefits:

Baggage & Money incidental loss of, robbery, or harm to either your baggage or your money. Baggage would be valued according to the current market value, which includes wear, tear, and depreciation.

Cancellation or Curtailing
You shall be reimbursed for unrecoverable travel and lodging expenses incurred or forfeited if it is appropriate and inevitable for you to cancel or reduce your journey.

Passport loss
Covers the cost of new passports while traveling.

Delayed departure time
Due to striking or inclement weather, AXA will pay a fee of $50 for every 12-hour delay.

Delay of baggage
If your luggage is delayed by at least 12 hours from the time of your arrival at your outbound destination, AXA will pay for the emergency purchase of necessary goods limited to clothing and toiletries.

AXA Travel Insurance During Medical Emergencies

Emergency medical expense
Cost of medical treatment and associated costs resulting from accidental injuries to the body or illness sustained outside the country of residence. $400 Emergency Dental Treatment

Emergency aid and evacuation

Medical transport. Repatriation of other recipients. Premature return due to the near relative’s death. Visit to a relative, Repatriation of the mortal remains, Costs of first aid and rescue (if Adventure Sports Option taken).

Personal Accidents
A lump sum for sudden death, permanent total disability, loss of limb or loss of sight.

Personal Responsibility
Compensates you from civil responsibility or harm to property of third parties due to negligence on your part. Advance bail bond of $10,000 (refundable). Legal support in the event of redress of $4,000.

AXA Travel Smart and Schengen Covers:

* For some covers a small excess (around $30 and $100) will be applicable if there is a claim.
** Children less than 16 year of age are covered for 50 % of the sum insured mentioned above and are entitled to pay 50% of the premium.
*** This cover is applicable only if Adventure Sports option is selected, the additional premium is paid and the Adventure Sports cover is shown on the policy schedule.

Schengen Cover:

FAQS

Who will be insured?
Any person or resident of the Gulf Cooperation Council who is 70 years of age or younger.

Which Trips are Covered?
Travel Smart Insurance covers traditional non-working vacations or business trips that do not require manual labor. This coverage is not permanently available to people leaving their country of residence.

How do I apply for coverage?
Please complete the attached application or provide travel information to the AXA branch or to your travel agent. Cover can only begin once the application has been approved and the premium has been paid.

How am I going to declare a claim?
Medical Expenditure: A medical claim is payable only if AXA Gulf has approached and accepted the cost. A full medical certificate from the attending physician must be submitted along with the initial bills and receipts.

Theft: You must have written evidence from the police that the incident has been registered.

Baggage Delay: written evidence of late delivery must be received from the airline.

The above information is for reference only Must Read Complete Smart Travel Insurance Leaflet for more information.

Thiqa Daman Insurance Hospital and Dental Claim form is required by your doctor or Hospital staff for filling of Claim against your treatment and Regular Check-up. If you are intended to get Reimbursement payment via wire transfer you need to fill in beneficiary name, bank name, branch, account number, bank address, and IBAN number.

Instruction for filling Thiqa Claim Form

Please write your name & the Thiqa card number as mentioned on the Thiqa Card.

• Please indicate the reason(s) for
• Provider Name and Address: Kindly use more than one line to provide information on each facility where you were
• Bill No.: Please write the serial/reference number printed on the bill/ receipt/ invoice for each service separately.
• Service Date: Kindly write the start date of treatment for each service against each bill.
• Description of Service: Kindly mention the type of service received such as Consultation
• /Pharmacy / Investigations /Physiotherapy/Dental /Hospitalization.
• Amount: Kindly mention the exact amount as it is shown on the invoices.
• Total: Kindly mention the total amount of all the invoices submitted with this form for reimbursement from Daman.
• Currency: Kindly mention the currency in which the actual payment was made in the event that the services were availed outside of the UAE in the event of an emergency.
• Declaration – Kindly write your name, signature, date, contact number, and relationship to the cardholder (if applicable).

Download Editable Thiqa Claim Form

 

Do your Daman insurance card or policy is expiring soon? Before launching of online daman application, policyholders go to the Daman branch office to pay for the renewal fee. Daman Insurance developed an online system through which you don’t need to visit the Daman office for the renewal of your insurance card. Even you can also renew your dependent insurance card as well as for domestic helpers insurance policy which falls under you.

Daman insurance gives coverage at affordable rates their plans include Abu Dhabi Basic Plan and Essential Benefits plan in which you can get coverage for as low as 650 AED per year. Lower-income members of Abu Dhabi Emirates can get Abu Dhabi Basic Plan with a maximum annual limit of AED 250,000 which covers inpatient and outpatient services. These plans also come with 100% coverage for emergency health care. Dubai Visa holders can get an Essential Benefits Plan with a maximum annual limit of AED 150,000. Any Pre-existing conditions will also be covered but not with a waiting period of more than 6 months.

Daman National Health Insurance Company – Daman – PJSC insurance plan has some unique features such as a disease management system through which members can manage their diseases 24/7 daman care call center and authorization team makes it easy for payment-related difficulties. Daman network hosts a broad range of medical facilities which are more than 3000 all around UAE. Through Daman Online and Digital, Gateways policyholders can see the status of their Insurance Card and can renew the policy online.

Using Daman Mobile Application

• Download Daman Insurance Android or iOS Application.
• On Main Dashboard Click on Menu Option.
• Select Insurance Plans.
• Select which plan you want to renew.
• Click on Renew Now button.
• Pay Online using a credit card for insurance renewal.

Daman Insurance Renewal:

You need to Create Daman Insurance Policy Account first. For this visit Daman User Registration online and provide account details, policy type, and personal details.

1. Go to Daman User Registration.
2. Select Emirates ID or Insurance Card which is convenient for you.
3. Enter Card Number and Policy Number.
4. Type in Your Personal Details mobile number and email.
5. In the last step give a Username and Password.
6. Login to Daman Insurance Card using username and password.
7. In Dashboard Select Application Status to view the policy status.
8. There is also a complete list of dependents below for each there is complete information.
9. Click on Online Endorsements.
10. Select Dependents for which you require Renewal of Policy.
11. For payment in Credit Card Details.

 

MyDaman online is a convenient way to easily renew all of your dependent policyholders. There are a lot of other useful options that come with making a Daman account such as printing of Digital ID, getting a health insurance certificate. On Dashboard, you can find the Policy Number, type, expiry date, effective date. On the right side menu, you can see your Plan Details, Network List, Exclusion list, Policy wording. Similarly, you can acquire services like downloading of bill summary, bulk download of all digital IDs can make a request for SOA. If you want to see previous invoices of insurance renewal as well as payment details, it can be accessed by going to the dashboard and then on the invoices tab. By going to pending actions members can get themselves aware of action they need to take for their policy to be effective.

 

 

No more apprehension before going to the dentist or general Physician. Nextcare Networks offers to give you the coverage you need for the reimbursement of your dental expenses or your health. Health is an essential function for all day-to-day activities: learning, moving around, working, forging social ties… Taking care of their health therefore concerns everyone, whatever the moment in life. From prevention to treatment of visual disorders, optical care is thus part of the most important guarantees complementary health insurance contracts, gives good control.

Prevention is the subject of regular public health campaigns because it is very often, above all, everyone’s business on a daily basis. There are usually 3 different levels of prevention:

The primary health prevention concerns protective measures to limit the occurrence and transmission of diseases in the population. These measures can be individual, particularly in terms of hygiene and food. They can also be collective measures, for example in the case of vaccination campaigns.
Secondary health prevention includes screening, diagnosis, and acts of early treatment of disease. This care can be carried out individually by general practitioners or specialists but is also developed in collective settings (for example by school nurses or occupational physicians).
The aim of tertiary health prevention is to limit the progression or the sequelae of a declared disease.

Nextcare Restricted Network (RN)

 

Territorial Scope of Coverage: Worldwide
Aggregate Annual Limit: AED 500,000
Room type: Private
Medical Network: Nextcare RN
Parent Accommodation for a child under 18 years of age: AED 350 / day

Covered up to annual Limit. All pre-existing conditions should be declared in the Medical Application Form and is subject to medical underwriting. Undeclared pre-existing conditions will not be covered during the policy period and will be underwritten at renewal No waiting period applies if evidence of continuity of coverage is provided; otherwise, a waiting period of 6 months applies to the first scheme membership on Inpatient treatment for the following medical conditions:
Diabetes mellitus, Arterial diseases, COPD, All cancers cases, Neurosurgery,
Cerebro Vascular diseases, All delivery cases (Maternity)

Download List of Hospital, Clinics, and Pharmacies in Nextcare Rn Network

In the network list DXB means Dubai, SHJ means Sharjah, AUH means Abu Dhabi, AJM means Ajman while RAS means Ras al Khaimah

Nextcare Restricted Network 2 (RN2)

Territorial Scope of Coverage: Worldwide
Aggregate Annual Limit: AED 300,000
Room type: Private
Medical Network: Nextcare RN2
Parent Accommodation for a child under 18 years of age: AED 250 / day

Covered on Reimbursement up to AED 250 per night and a maximum of 10 nights. The Cash Indemnity claim must be submitted within 15 days after discharge from the hospital with proof of hospitalization including a discharge summary.

Download List of Hospital, Clinics, and Pharmacies in Nextcare Rn2 Network

 

In the network list DXB means Dubai, SHJ means Sharjah, AUH means Abu Dhabi, AJM means Ajman while RAS means Ras al Khaimah

Nextcare Restricted Network 3 (RN3)

 

Territorial Scope of Coverage: Worldwide
Aggregate Annual Limit: AED 250,000
Room type: Semi-Private
Medical Network: Nextcare RN2
Parent Accommodation for a child under 18 years of age: AED 150 / day

More Details About Nextcare RN3

Diagnostic and treatment services for dental and gum treatments, Hearing and vision aids, and vision correction by surgeries and laser (Emergency cases Only) Dental emergency is any injury to your teeth or gums that can put you at a risk of permanent damage, such as Chipped or broken teeth, Knocked-out tooth , Soft-tissue injuries and etc… earing Emergencies include Object/insect in the ear ruptured eardrum , sudden hearing loss and etc… Vision Emergencies include bleeding or discharge from or around the eye, double vision and Loss of vision, total or partial, one eye or both etc

Download List of Hospital, Clinics, and Pharmacies in Nextcare Rn3 Network

In the network list DXB means Dubai, SHJ means Sharjah, AUH means Abu Dhabi, AJM means Ajman while RAS means Ras al Khaimah

Nextcare RN3 Network list

Nextcare RN3(Restricted Network) Network List includes hospitals clinics and pharmacies. The main features include Worldwide Coverage, enhanced medical network, Inpatient and outpatient, Dental. OP (Clinics) and Territorial Scope of Coverage AED 250,000

Download Nextcare RN 3 Network List

 

Every insurance company makes separate plans or categories for each program, Oman Insurance Company called its Plans DHA which means Dubai Health Autharoty EBP Plans as Oman Insurance company is a participant insurer in the Dubai Health Authorities ISAHD program. DHA plans are specifically designed to cater to the health insurance coverage of every Dubai resident.

The ISAHD program of DHA emphasizes on Access and Quality which includes Everyone in Dubai to be covered by the health plan, member access health service via insurance card, the member must receive health service, insurance provider then obtain e-authorization for advance treatment, the member received advance medical treatment, provider and payer settle medical claims electronically, member access their medical information and connect with providers and payers online, bringing well-being to people.

Oman insurance need to maintain their quality of service in accordance with ISAHD program, each category is made to maximize the health care provided to member. Ejdad indicator is a quality scaling tool developed by DHA which indicate quality and rating for physicians, facilities and insurance companies like Oman Insurance. These information is collected by DHA systems from providers, payers and patients.

By filling simple online application at Oman Insurance Website you can quickly access DHA category 1 and 2 plans for your family members, domestic helpers and employees.

Category 1 DHA Plans:

DHA Plus plans are designed for families and domectic workers under their dependents thier Annual upper limit for healthcare services are 150,000 per insured member per year. DHA plans includes 3 categories:

• DHA Easy
• DHA Family
• DHA Family Plus

DHA easy provides medical insurance coverage to domestic help staff while DHA Family provides important basic covers for families and the top of the line Family plus provides added protection along with all basic covers. The Family and family plus category is recommended for indivitual having salkary more than 4000 AED.

Inpatient services are restricted to DHA Plus Network Hospitals
Outpatient services are restricted to DHA Plus Network Clinics

Get detailed information about Inpatient Healthcare Services and Outpatient Healthcare Services (at designated network hospitals – prior approval is required) for DHA Plus in this document.

Category 2 Plans for Employees:

Choosing a health plan is an important decision – it protects employees from high, unexpected healthcare costs. Whatever the size of your company, we have carefully designed various healthcare plans to ensure you have the most appropriate solution.

Basic Plan

Basic Cover for lower salary band employees in Dubai Oman insurance are one of the Participating Insurer (PI2) licensed to offer this plan in Dubai.

Enhanced Plan:

Maximum covers at minimum cost suitable for small scale industries and cooparate sector.

Group Tailor Made Plan

Customize your covers and benefit limits to fit your company’s requiremen

Category 3 International Plans:

Choose your Plan from a large set of benefits and options including Infertility Treatment, Alternative Medicine, Psychiatry, Health Check-up, Home Nursing, Organ Transplant, Optical,
Dental, Life and much more.

Learn more about Oman insurance Plans for Employees in their HealthCare Brochure.

Product Information – Healthcare Brochure