Premium International Health Insurance for Corporate Clients in the UAE

Premium International Health Insurance for Corporate Clients in the UAE

 

 
 

 

 


Contact Details

Inside MENA

Serviced By Daman

24/7 Phone: 009712 614 5622

Email: daman@globalites.com

Address: PO Box: 128888

Abu Dhabi, UAE

Outside MENA

Serviced By Globalites

24/7 Phone: 00352 270 444 3333

Email: daman@globalites.com

Address:Globalite Central,

13 rue Edward Steichen

2540, Luxembourg

Introduction

Health insurance is what we do. It is all we do. And we feel you deserve nothing but the very best – after all, your health depends on it. This is especially true when you are travelling, or working on what can often be extended overseas assignments. This is why we have partnered with the regional leader to bring you a suite of innovative health insurance solutions to cover every possible eventuality, so you can concentrate on getting the job done and getting home safely.

Globality Health and Daman: both experts in their own fields; Daman is the premier health insurance specialist in the MENA region, while Globality Health specialises in offering health insurance solutions to expatriates, people on the go, who work or study away from home.

About Globality

Globality Health, headquartered in Luxembourg, is the international health insurance centre of excellence for Munich Health. As a member of Munich Re, Globality Health provides innovative healthcare for clients and partners all over the world through more than 3,000 experts globally.

Globality Health has created a coalition of Health Care satellites aligned together for providing unified and consistent services across the globe called Globalites®. Globalites® brings together the world's leading expatriate healthcare service providers under one umbrella and under one brand.

About Daman

The National Health Insurance Company – Daman is the region’s leading specialised health insurer, providing comprehensive health insurance solutions to more than 2.4 million members in the UAE.

Over the years, the company has been the partner of choice for a number of the country’s most prominent organisations and multinational companies in various industries including oil and gas, aerospace, energy, construction, investments and media.

Daman is a public joint-stock company that is 80% owned by the Abu Dhabi Government with the remaining 20% owned by Munich Re. The company is backed by the reliable support of the Abu Dhabi Government and its strategic partner, Munich Re, one of the world’s leading reinsurers.

Headquartered in Abu Dhabi, UAE and established in 2006, Daman offers a range of health insurance plans for both individuals and organisations and exclusively manages the Government’s health programme – Thiqa – for UAE Nationals and Abu Dhabi Basic Plan – for low income expatriates. Members enjoy access to the largest healthcare providers’ network in the UAE and an extensive international network over 45 countries.

Daman has set high standards in the health insurance industry and has been awarded a number of internationally recognised awards and quality-focused certifications in a relatively short span of time. The company is ISO 9001 certified for Quality Management Systems and ISO 27001 certified for Information Security Management.

Our CoGenio plans offer you a first-class healthcare experience, with inpatient, outpatient and special assistance services. For your convenience, there are only two plan territories – Worldwide, and Worldwide excluding the USA.

Our partnership with Daman gives clients access to the largest network in the region, made up of over 2,400 healthcare providers across the MENA region. These include hospitals, multi-specialty clinics, and pharmacies. Each Globalite® serves a different country or region and is comprised of carefully selected high-quality providers. This enables us to offer a consistency and seamlessness of service that is unmatched in the expatriate health insurance field.

We offer direct billing or cashless bill settlement services within our network of healthcare providers, available simply by presenting your co-branded insurance card. Payments are handled internally, ensuring a hassle-free and convenient experience for you.

Understand your plan benefits – what we can do for you

We have laid out the services and treatment types available to you in your ‘Schedule of Benefits’. To review it please follow the easy steps below, or get in touch with us directly on Daman’s customer service number, printed on your health insurance card.

  1. Visit http://www.damanhealth.ae
  2. Click ‘Login to My Daman’
  3. If you are a first time user, click the ‘Register’ button; choose your user type as ‘Member’ and follow the on-screen prompts to create a username and password
  4. Fill in your username and password
  5. Click the ‘Login’ button to open your policy information page
  6. On the policy information page, click on the ‘Benefits’ tab
  7. Read through the ‘Schedule of Benefits (SOB)’ document to know more about the services covered under your policy

Inside MENA (Middle East & North Africa)

The MENA region covers the countries in the table below:

Bahrain Egypt Iran Iraq Jordan Kuwait Lebanon
Oman Qatar Saudi Arabia Syria U.A.E. Yemen  

Finding a medical service provider

If you require medical treatment in any of the countries in the table above, please contact
Daman on:

24/7 phone: 009712 614 5622 or Email: daman@globalites.com

These details are also on the back of your insurance card.

Alternatively, you can also click here to view the list of medical service providers within Daman’s network in the countries in the table above.

Using the cashless treatment or direct billing facility

As one of our members, you are entitled to be treated within our network of healthcare providers without paying at the point of service, as long as the service is covered by your plan. Some treatments and services are excluded, please check your plan’s Schedule of Benefits (SOB).

To benefit from direct billing services:

  • Present your health insurance card at the network provider’s reception
  • Carry photo identification
  • Comply with the network provider’s administrative procedures for direct billing. Network providers will assist you in completing the necessary administrative procedures
  • Some health services may have co-insurance charges applicable that you have to pay directly to the network provider. (“Co-insurance” is the percentage of eligible expenses that is required to be paid by you to the network provider). Such charges will be clearly stated on your health insurance card

Reimbursing the cost of your medical treatment

If you would like to receive medical treatment or service outside of your plan’s network, or if you have forgotten your health insurance card, you will still be able to claim the amount you spend.

In these cases, you have the option of applying for the reimbursement of your treatment’s cost, if the services used and the reimbursement benefit are covered under your health plan.

How to apply for reimbursement

You can apply for reimbursement of a claim by: Sending us (via courier only) the original claims document along with supporting documents on the following postal address:

Claims Receiving Unit, National Health Insurance Company - Daman, Al Bateen, Tower C4, Bainuna Street, PO Box: 128888, Abu Dhabi, United Arab Emirates

As long as your claimed amount is not more than AED 5,000, you also have the option of online claims submission through our website http://www.damanhealth.ae. In certain cases, we may ask you to also submit the original documents to process the reimbursement

Please click here for a copy of the Claims Reimbursement Form.

Required documents:
The following documents are required to be submitted along with the Claims Reimbursement Form:

  • Copy of your health insurance card
  • Original itemized bill/invoices with service date
  • Original prescription for medication prescribed by your doctor
  • Investigation results and/or reports (e.g. - laboratory test results, x-ray report etc.) should be attached for procedures above AED 1,000
  • In case of inpatient (hospitalization) claims you are required to submit a medical report/discharge summary stamped and signed by your doctor

Important:

  • You must submit your claim within 180 days of the last date of the treatment received along with all required documents
  • Your claims will be reimbursed within 3 calendar weeks of the date of receipt of the claim documents. We may need an additional 5 days if the claim is submitted in a language other than English or Arabic
  • Post processing, Daman will pay the claims into the bank account specified by you in the Claims Reimbursement Form in either dirhams (AED) or dollars (USD). All foreign account remittances will only be made in dollars (USD) to negate any currency fluctuations.
  • Any exchange rate conversions or other charges levied by your bank will not be borne by Daman

Outside MENA (Middle East & North Africa)

Outside MENA means all countries other than the ones in the table below:

Bahrain Egypt Iran Iraq Jordan Kuwait Lebanon
Oman Qatar Saudi Arabia Syria U.A.E. Yemen  

Finding a medical service provider

If you require access to medical treatment in any country outside the MENA region, please contact Globalites®:

24/7 Phone: 00352 270 444 3333 or Email: daman@globalites.com

These details are also on the back of your insurance card.

Using the cashless treatment or direct billing facility

Cashless services are available for inpatient and day care treatments outside the MENA region. Our Globalites® network includes medical service providers that offer cashless treatment.

If you contact the Globalites® office in advance, they will gladly guide you through and arrange the cashless service for your treatment, depending on your insurance coverage.

Please carry your health insurance card and photo identification when visiting the provider.

Have the cost of your treatment reimbursed

If your country of treatment is outside the MENA region, you can apply for reimbursement of medical expenses in the following cases:

  • All outpatient treatment outside the MENA region will be covered on a reimbursement basis only
  • If you would like to receive inpatient, day care treatment or service outside of your plan’s network providers
  • If you forget to carry your health insurance card when visiting a network provider for inpatient or day care treatment

In these cases, you have the option of applying for a reimbursement of your treatment’s cost, if the services used are covered under your health plan and reimbursement is available in your policy.

How to apply for reimbursement

You can apply for reimbursement of a claim by: Sending us (via courier only) the original claims document along with supporting documents on the following postal address:

Claims Receiving Unit, National Health Insurance Company - Daman, Al Bateen, Tower C4, Bainuna Street, PO Box: 128888, Abu Dhabi, United Arab Emirates

As long as your claimed amount is not more than AED 5,000, you also have the option of online claims submission through our website http://www.damanhealth.ae. In certain cases, we may ask you to also submit the original documents to process the reimbursement

Please click here for a copy of the Claims Reimbursement Form.

Required documents:
The following documents are required to be submitted along with the Claims Reimbursement Form:

  • Copy of your health insurance card
  • Original itemized bill/invoices with service date
  • Original prescription for medication prescribed by your doctor
  • Investigation results and/or reports (e.g. - laboratory test results, x-ray report etc.) should be attached for procedures above AED 1,000
  • In case of inpatient (hospitalization) claims you are required to submit a medical report/discharge summary stamped and signed by your doctor

Important:

  • You must submit your claim within 180 days of the last date of the treatment received along with all required documents
  • Your claims will be reimbursed within 3 calendar weeks of the date of receipt of the claim documents. We may need an additional 5 days if the claim is submitted in a language other than English or Arabic
  • Post processing, Daman will pay the claims into the bank account specified by you in the Claims Reimbursement Form in either dirhams (AED) or dollars (USD). All foreign account remittances will only be made in dollars (USD) to negate any currency fluctuations.
  • Any exchange rate conversions or other charges levied by your bank will not be borne by Daman

24/7 emergency and medical assistance services

We work to ensure you receive the very best of services, especially when it matters the most. In the event of a medical emergency within the geographical area of your policy, you can use the medical services at the nearest available health service provider. Emergency services are fully covered at both network and non-network health service providers.

The following services are identified as emergency and medical assistance services under your policy:

  • 24-hour phone and e-mail service with experienced counsellors, doctors and specialists
  • Medical evacuation and repatriation
  • Information on medical infrastructure (local medical care and names and addresses of multilingual doctors)
  • Support and information by our medical service (second opinion, monitoring of the course of the illness)
  • Assumption of costs guarantee and/ or payment of an advance (preparation for a stay in hospital)
  • Organizational support in case of bereavement, share of repatriation costs
  • Appropriate additional medical support (information on the nature, possible causes and possible treatment of an illness)
  • Organizing visits for a relative to the patient
  • Procurement and shipment of vital medication
  • Organizing return transport or care for children
  • Help with psychological problems attributable to the stay abroad (psychological and therapeutic help by telephone)
  • Document depot (safe custody, help in obtaining replacements)
  • Organizing help in the event of legal difficulties
  • Procurement of intercultural training

Steps to be followed:

  • Contact us on our 24/7 phone line for any medical emergencies. Our 24/7 emergency and medical assistance number is: 00352 270 444 3333
  • Once the emergency is identified, our expert worldwide assistance partner will take charge of the case and ensure that all possible measures are taken to provide you the most appropriate care and treatment.
  • If the nearest available health service provider is within the plan’s network, then you do not have to pay for the health services used as benefits offered are on a direct billing or cashless basis
  • If the nearest available health service provider is not within the plan’s network; then you would need to pay for the service and claim the amount by reimbursement.

Download Claim Form

Download your Claim form here