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National Health Insurance Co (Daman) - Premier DNE

National Health Insurance Co (Daman) - Premier DNE

Available in Ras Al Khaimah , Dubai , Sharjah , Fujairah , Umm Al Quwain , Ajman

Max. Annual Coverage

AED 20,000,000





Chronic Conditions


Pre-Existing Conditions

Not Covered


Ambulance Coverage


Hospital Cash Benefit

Up to AED 500 per day (max 60 days) on reimbursement basis

Hospital Accomodation

Private Room (Standard Suite) with pre-authorization

Parent Accomodation

Up to AED 5000 per day with pre-authorization



Covered for children up to 6 years as per DHA on reimbursement basis

Psychiatric Treatment

Up to AED 3,500 on reimbursement basis for out-patient treatment


Covered with pre-authorization

Alternative Medicine

Up to AED 5,000 for alternative medicine & up to AED 220 per visit (maximum 18 sessions) for chiropractic treatment, on reimbursement basis


Covered; pre-authorization required for in-patient scans

Prescription Drugs

Not Covered

Health Checks

Diabetes screening as per DHA & an annual check-up (maximum AED 2,000), on reimbursement basis; Covered with pre-authorization: annual breast cancer screening (females above 35); annual prostate cancer screening (males above 45); colorectal cancer screening once every 2 years for FIT & once every 10 years for colonoscopy (males & females above 50); annual health check-up for a claim free year on renewal of policy


Network Coverage

156 Hospitals
1386 Clinics
85 Laboratories
1175 Pharmacies
270 Dentals
0 Optics

Treatment Outside Area of Cover

Not Covered

Treatment Outside Network

100% of covered non-emergency cost subject to network rates on reimbursement basis; 100% of emergency cost on reimbursement basis


Pregnancy Cover

Covered up to AED 75,000 for all maternity benefits; pre-authorization required for in-patient treatment

Newborn Baby Cover

Newborn care & newborn accommodation covered; birth defects & congenital conditions covered 100% within the UAE & up to AED 365,000 outside the UAE; pre-authorization required

Natal Complications

Covered up to AED 150,000; pre-authorization required for in-patient treatment


Dental Coverage

Up to AED 15,000 with 20% co-pay & pre-authorization (routine & major dental including orthodontic)

Accidental Damage to Teeth