Daman
Daman is an Abu Dhabi insurer owned by Pure Health Holding. For travel it sells Alami plans for UAE residents going abroad, Ziyarah plans for visitors to the UAE and Musafer for UAE nationals. In May 2025 its legal name changed from National Health Insurance Company - Daman to The National Insurance Company - Daman.
Out of 5 from 12,138 Google reviews across 7 offices
An average is not a sign of trust. Read recent reviews yourself before you decide.
What customers sayWhat customers say about Daman
Daman averages 4.6 out of 5 across 12,138 Google reviews of its UAE offices, read 11 Nov 2026. Offices range from 2.5 to 5.0. Those reviews cover everything it sells, not only travel insurance.
Read the Google reviews for each office
Daman travel insurance
Daman sells Alami Comprehensive Travel Insurance in Silver, Gold and Platinum, with cancellation, luggage and liability cover, and Alami emergency medical plans for UAE residents travelling abroad. It also sells Ziyarah emergency medical plans for visitors to the UAE and Musafer, an annual emergency medical plan for UAE nationals.
| Plan | Type | What it is |
|---|---|---|
| Alami Comprehensive Travel Insurance, Silver | Comprehensive travel plan | Emergency medical up to USD 70,000 with a USD 100 excess, trip cancellation USD 2,000, lost checked-in luggage USD 15 a kg up to 40 kg, personal liability USD 25,000. Worldwide, with or without the USA and Canada.17 |
| Alami Comprehensive Travel Insurance, Gold | Comprehensive travel plan | Emergency medical up to USD 200,000 with a USD 100 excess, trip cancellation USD 4,000, lost checked-in luggage USD 25 a kg up to 40 kg, personal liability USD 100,000. Worldwide, with or without the USA and Canada.18 |
| Alami Comprehensive Travel Insurance, Platinum | Comprehensive travel plan | Emergency medical up to USD 300,000 with a USD 100 excess, trip cancellation USD 5,000, lost checked-in luggage USD 40 a kg up to 40 kg, personal liability USD 300,000. Worldwide, with or without the USA and Canada.19 |
| Alami Annual Multi-Trip Plan | Annual emergency medical plan | Emergency treatment only, up to AED 500,000 a year. Each trip up to 90 days. Worldwide except the UAE, with or without the USA and Canada.20 |
| Alami 90-Day Single-Trip Plan | Single-trip emergency medical plan | Emergency medical care up to AED 200,000. Worldwide except the UAE, USA and Canada.4 |
| Alami 30-Day Single-Trip Plan | Single-trip emergency medical plan | Emergency medical care up to AED 500,000. Worldwide except the UAE, with or without the USA and Canada.4 |
| Alami 15-Day Single-Trip Plan | Single-trip emergency medical plan | Emergency medical care up to AED 500,000. Worldwide except the UAE, with or without the USA and Canada.4 |
| Ziyarah 190-Day Multi-Trip Plan | Visitor plan for the UAE | For people visiting the UAE. Emergency inpatient treatment in the UAE up to AED 150,000 for the cover period, over multiple trips in 190 days.6 |
| Ziyarah 40, 70 and 100-Day Single-Trip Plans | Visitor plan for the UAE | For one visit to the UAE of up to 40, 70 or 100 days. Emergency inpatient treatment in the UAE up to AED 150,000.6 |
| Ziyarah War & Disaster Visa Holders | Visitor plan for the UAE | For Sudan visa holders in the UAE. Emergency inpatient cover up to AED 150,000, for multiple trips within the UAE over one year. Pre-existing and chronic conditions are excluded.6 |
| Musafer | Annual emergency medical plan for UAE nationals | UAE nationals only. Emergency inpatient and outpatient treatment, medical evacuation and return of remains, on trips of up to 90 days each, worldwide except the UAE. No deductibles, copayments or coinsurance.16 |
| Cover | With this insurer | Details |
|---|---|---|
| Emergency medical treatment abroad | Included | Every Daman travel plan pays for emergency treatment, with the limits shown for each plan above. On Alami Comprehensive this covers hospital, surgery, doctors and prescribed medicines for an accident or sudden illness outside your country of residence, until you are stable. Further treatment has to be in your country of residence.5 |
| Medical evacuation and repatriation | Included | On Alami Comprehensive the assistance company's medical team decides whether you are moved or brought home, and how. Return of remains is covered. Burial, cremation and funeral costs are not.5 |
| Trip cancellation | Depends on plan | Alami Comprehensive only: USD 2,000 on Silver, USD 4,000 on Gold and USD 5,000 on Platinum.4 |
| Reasons for cancelling or cutting a trip short | Depends on plan | Alami Comprehensive lists death, injury or illness of you, close family or someone you travel with; emergency duty; burglary or major damage at home; listed cancellations of transport; major damage to booked accommodation; and, for cancellation, a visa refused after you applied at least 21 days before the trip.5 |
| Delayed departure | Depends on plan | Alami Comprehensive, outward journey only, for strike, industrial action, bad weather or a mechanical or technical fault. The schedules of benefits pay USD 50 on Silver or USD 100 on Gold and Platinum for each completed 4 hours of delay, up to USD 250, USD 500 and USD 1,000. The wording adds hotel costs after 24 hours, and the option to cancel after more than 24 hours. You need written confirmation from the carrier.5 |
| Lost checked-in luggage | Depends on plan | Alami Comprehensive pays a set amount a kg, up to 40 kg: USD 15 on Silver, USD 25 on Gold and USD 40 on Platinum.4 |
| Personal liability | Depends on plan | Alami Comprehensive: USD 25,000 on Silver, USD 100,000 on Gold and USD 300,000 on Platinum.4 |
| Direct payment to hospitals | Included | On Daman's emergency medical travel plans, Daman pays network providers directly. At a provider outside the network you pay and claim the money back.13 |
More cover details (7)
| Cover | With this insurer | Details |
|---|---|---|
| Pre-existing conditions on the Alami emergency medical plans | Depends on plan | Covered for medical emergencies only. Treatment after your condition is stable is not covered.14 |
| COVID-19 on Alami Comprehensive | Included | Emergency treatment until stable, up to USD 35,000 with a USD 100 excess on the Silver schedule. The Gold and Platinum schedules show the same limit.17 |
| COVID-19 on the Alami emergency medical plans | Depends on plan | Hospital treatment only. You must take a PCR test within 96 hours of the flight. Quarantine, outpatient treatment and testing are excluded.21 |
| Sports | Optional extra | The Alami Comprehensive wording has a winter and summer sports extension for recreational amateur sports, sea sports and skiing, for 15 days, limited to medical expenses in hospital.5 |
| Area and trip length on Alami Comprehensive | Depends on plan | Anywhere outside your usual country of residence unless your schedule says otherwise. Each trip up to 92 consecutive days. Book a return flight before you leave: one-way and open tickets are excluded.5 |
| Personal accident | Depends on plan | Alami Comprehensive: USD 25,000 on Silver, USD 50,000 on Gold and USD 150,000 on Platinum.4 |
| Dental | Depends on plan | On the Alami emergency medical plans, only emergency dental treatment, such as treatment to relieve immediate pain.14 |
Published prices
- Ziyarah, as of 12 November 2026: 190-Day Multi-Trip from AED 220, 100-Day Single-Trip AED 125, 70-Day Single-Trip AED 85, 40-Day Single-Trip AED 48, and War & Disaster Visa Holders AED 950.6
- Alami emergency medical plans, as shown on Daman's Alami page on 12 November 2026, which does not say whether VAT is included: Annual Multi-Trip AED 340 worldwide excluding the UAE, USA and Canada, or AED 540 worldwide excluding the UAE; 90-Day Single-Trip AED 169; 30-Day Single-Trip AED 140 or AED 221; 15-Day Single-Trip AED 95 or AED 150, for the same two areas. The page shows no Alami Comprehensive prices.4
- Musafer costs AED 2,926 a year before VAT, as of 12 November 2026.16
- Daman's travel FAQ says premiums depend on the plan, the area of cover and the length of cover.13
Check before you buy
- Alami does not cover emergency treatment inside the UAE, and the Alami emergency medical plans do not pay to bring you back to the UAE.14
- Alami Comprehensive excludes claims not sent within 30 days of the event, and medical claims not sent within 30 days of the first treatment.5
- Alami Comprehensive excludes pre-existing, congenital, psychiatric and chronic conditions, and illness or injury from pregnancy and childbirth.5
- Alami Comprehensive excludes travel to a country, area or event when the UK Foreign Office travel advice unit, or an authority in a country you travel to or from, advises against all travel. War is a general exclusion.5
- Ziyarah covers emergency inpatient treatment in the UAE only. Pre-existing and chronic conditions, dental, maternity and optical are not covered, and there is no refund if you cancel.6
Policy documents
- Alami Comprehensive Travel policy wordingPolicy wording, 2026
- Schedule of Benefits, Alami Comprehensive SilverTable of benefits, 2026
- Schedule of Benefits, Alami Comprehensive GoldTable of benefits, 2026
- Schedule of Benefits, Alami Comprehensive PlatinumTable of benefits, 2026
- Schedule of Benefits, Alami Bronze annual multi-tripTable of benefits, 2026
- Ziyarah plan policy wordingPolicy wording, 2025
How to claim with Daman
- Claims phone, Alami emergency medical+971 2 418 4888
- Claims phone, Alami Comprehensive+961 9 211 662
- Claims phone, Alami Comprehensive from the USA or Canada+1 514 448 4417
- Claims phone, Alami Comprehensive from Europe+33 9 75 18 52 99
- Claims phone, Musafer+971 4 278 1335
- Claims email, Alami emergency medical and Ziyarahtravel.claims@damanhealth.ae
- Claims email, Alami Comprehensiverequest@swanassistance.com
- Claim onlineOpen claim page
Steps
- In a medical emergency, call an ambulance first. If you do not have the local number, call the international assistance company on +971 2 418 4888 (Alami emergency medical plans).14
- On the Alami emergency medical plans, emergencies need no pre-approval, but tell Daman within 24 hours on +971 2 418 4888 or intl_assistance@damanhealth.ae.21
- On Alami Comprehensive, contact the assistance company's 24-hour alarm centre as soon as possible: +961 9 211 662 internationally, +1 514 448 4417 from the USA or Canada, +33 9 75 18 52 99 from Europe, or request@swanassistance.com. If you could not call first, get a case number from them and send a letter explaining why, with official reports and original receipts.5
- To claim money back, email your documents to request@swanassistance.com for Alami Comprehensive or travel.claims@damanhealth.ae for the Alami emergency medical plans.4
- For emergency medical travel claims of AED 15,000 or more, file the claim at a Daman branch. Smaller claims can go by email or to a branch.13
- To appeal a part-paid or rejected claim, email alarm@swanassistance.com for Alami Comprehensive or customerinfo@damanhealth.ae for the Alami emergency medical plans.4
- Musafer members call +971 4 278 1335 in an emergency. Musafer claims under AED 10,000 can be sent online. Larger claims go to a branch.16
Documents to have ready
- Passport copy and, if your destination needs one, visa copy4
- Policy schedule4
- Travel tickets4
- Pictures of the exit stamp and the entry stamp pages, each showing the full page and your passport number4
- The purpose of the trip4
- Medical report, for a medical claim. Other claims need documents confirming the incident.4
- For Ziyarah: original claim form, original itemised invoice with the service date and original prescription for medicines6
- Alami Comprehensive: within 30 days of the event or the first treatment. Alami emergency medical: within 180 days of the last treatment.4
- Daman says it finalises Alami emergency medical reimbursements within 15 days of receiving all documents. You can resubmit a part-paid or rejected claim within 180 days of the notice.14
- Musafer: within 180 days of the last treatment. Daman says reimbursement is finalised within 15 business days of receiving all documents.16
Not happy with a claim? Complain to Daman at customerinfo@damanhealth.ae first. How to complain about an insurer.
About Daman
- Legal name
- The National Insurance Company (Daman) PJSC
- Founded
- Established in 2005. Began operating in May 2006.1
- Type
- National insurance company on the Central Bank register, number 73.2
- Owner
- Pure Health Holding PJSC owns 100%. Q Health LLC owns 41% of Pure Health Holding and is fully owned by Abu Dhabi Development Holding Co. PJSC, which S&P describes as the Abu Dhabi government's sovereign wealth fund.3
- Listed on
- Its parent, Pure Health Holding, is listed on the Abu Dhabi Securities Exchange.3
- Headquarters
- Abu Dhabi10
- UAE branches
- The branch locator lists 17 branches and service desks: the head office and others under Abu Dhabi, Al Ain and Madinat Zayed, one in Dubai and one in Sharjah.10
- Also sells
- Health insurance for individuals and families, Group health plans for businesses, Gratuity and employee benefits scheme9
- Previous name
- National Health Insurance Company - Daman, until May 20251
- Central Bank
- Listed in the Central Bank of the UAE register, September 2026, number 732
Financial strength
S&P Global Ratings reported insurance revenue of AED 5.4 billion for the first nine months of 2025, 6% above the same period of 2024, and net profit of AED 666 million as of the third quarter of 2025, up from AED 502 million a year earlier. The Moody's grade is as announced by the Abu Dhabi Media Office on 2 July 2026.
| Agency | Grade | Covers | Date |
|---|---|---|---|
| Moody's | A1, insurance financial strength, Stable11 | UAE company | Jul 2026 |
| S&P Global Ratings | A, insurer financial strength and issuer credit, Stable3 | UAE company | 6 Feb 2026 |
| Period | Premiums | Profit | Assets |
|---|---|---|---|
| To third quarter 20253 | AED 666m |
Recent news
- Moody's A1 rating announced
PureHealth announced that Moody's Ratings had assigned Daman an A1 Insurance Financial Strength Rating with a stable outlook.11
- S&P assigns an A rating
S&P Global Ratings assigned its A long-term issuer credit and insurer financial strength ratings to Daman, with a stable outlook.3
- Daman starts writing property and casualty insurance
S&P says Daman does not expect to write more than AED 200 million of property and casualty premium during 2026.3
- New legal name announced
The Abu Dhabi Media Office said Daman would adopt the legal name The National Insurance Company - Daman as it entered property and casualty insurance.12
- Abu Dhabi Basic plan changes take effect
Daman announced updates to the Basic plan under Department of Health regulations that took effect on 1 July 2024.8
Contact Daman
- Phone, inside the UAE600 532626
- Phone, from abroad+971 2 614 9555
- Emailcustomerinfo@damanhealth.ae
- Complaints emailcustomerinfo@damanhealth.ae
- ComplaintsOpen complaints page
- HoursCall centre 24 hours a day, 7 days a week. Head office, Mussafah and Al Ain branches Monday to Thursday 8am to 8pm, Friday 8am to 4pm. Branches close at weekends.
- Head office3 Tunb Al Kubra St, Al Rawdah, W59 01, Abu Dhabi. Post to P.O. Box 128888, Abu Dhabi.
Branches (8)
| Branch | Address | Phone |
|---|---|---|
| Mussafah | Plot 12, Musaffah M4, Abu Dhabi | 600 532626 |
| Capital Mall | Capital Mall, Mohammed Bin Zayed City, Mussaffah, Abu Dhabi | 600 532626 |
| Alqurm Tadbeer | Makani Mall, Al Shamkhah, Abu Dhabi | 600 532626 |
| Al Ain | 409 Khalifa Bin Zayed The First St, Industrial Area, Shiebat Al Salam, Al Ain | 600 532626 |
| Western Region (Al Dafra Branch) | Commercial Area, Madinat Zayed | 600 532626 |
| Liwa | TAMM Center, Umm Al Zamoul Street, Hameem, Muzayraa | 600 532626 |
| Dubai Al Barsha | Hassanicor, Al Barsha 1, Dubai. Listed for Enhanced and Thiqa Top-Up new business and renewals. | 600 532626 |
| Sharjah | Crystal Plaza, Al Majaz 1, Sharjah. Listed for Enhanced and Thiqa Top-Up new business and renewals. | 600 532626 |
Common questions
Does Daman travel insurance cover trip cancellation?
Only Alami Comprehensive does: up to USD 2,000 on Silver, USD 4,000 on Gold and USD 5,000 on Platinum. Daman's Alami annual and single-trip plans cover emergency medical treatment only.4
Can I use Daman's Ziyarah plan for a UAE visit visa?
Daman says Ziyarah complies with UAE visa requirements, and that the 190-day plan can be used for a Golden Visa application that asks for 6 months of travel insurance. Every Ziyarah plan covers emergency inpatient treatment in the UAE up to AED 150,000. You can buy it after you arrive.6
Can UAE nationals buy Alami?
The Alami emergency medical plans are for expats. Daman says UAE nationals who want emergency medical cover abroad should buy Musafer, and those who want wider travel cover, including cancellation and luggage, can buy Alami Comprehensive.4
Who do I call in an emergency on Alami Comprehensive?
The assistance company's 24-hour alarm centre: +961 9 211 662 internationally, +1 514 448 4417 from the USA or Canada, +33 9 75 18 52 99 from Europe, or request@swanassistance.com.5
How long do I have to claim on Daman travel insurance?
Alami Comprehensive claims must be sent within 30 days of the event or the first treatment, to request@swanassistance.com. Alami emergency medical claims must be sent within 180 days of the last treatment, to travel.claims@damanhealth.ae.4
How do I contact Daman?
Call 600 532626 inside the UAE or +971 2 614 9555 from abroad, or email customerinfo@damanhealth.ae. Daman's contact page lists no WhatsApp number.7
Is Daman the same company as National Health Insurance Company?
Yes. Daman says it adopted its new legal name in May 2025 to reflect its move beyond health insurance, starting with property and casualty insurance. The Central Bank register lists it as The National Insurance Company (Daman) PJSC, number 73, the same number it had under the old name.1
Sources
23
1Daman, About us. Last checked 11 Nov 2026. Source document: About us
2Central Bank of the UAE, CB Register September of 2026. Last checked 11 Nov 2026. Source document: CB Register September of 2026
3S&P Global Ratings, Research Update: Abu Dhabi-Based Insurer The National Insurance Co. - Daman Assigned 'A' Rating; Outlook Stable. Last checked 11 Nov 2026. Source document: Research Update: Abu Dhabi-Based Insurer The National Insurance Co. - Daman Assigned 'A' Rating; Outlook Stable
4Daman, Alami Travel Insurance. Last checked 12 Nov 2026. Source document: Alami Travel Insurance
5Daman, Alami Comprehensive Travel policy wording, Filename 01Oct26. Last checked 12 Nov 2026. Source document: Alami Comprehensive Travel policy wording
6Daman, Ziyarah Emergency Travel Insurance. Last checked 12 Nov 2026. Source document: Ziyarah Emergency Travel Insurance
7Daman, Contact Us. Last checked 11 Nov 2026. Source document: Contact Us
8Daman, Abu Dhabi Basic Health Insurance Plan. Last checked 11 Nov 2026. Source document: Abu Dhabi Basic Health Insurance Plan
9Daman, Our Products. Last checked 11 Nov 2026. Source document: Our Products
10Daman, Branch Locator. Last checked 11 Nov 2026. Source document: Branch Locator
11Abu Dhabi Media Office, PureHealth's insurance vertical, Daman, receives Moody's A1 Insurance Financial Strength Rating. Last checked 11 Nov 2026. Source document: PureHealth's insurance vertical, Daman, receives Moody's A1 Insurance Financial Strength Rating
12Abu Dhabi Media Office, PureHealth drives insurance business growth with Daman's entry into Property and Casualty insurance market. Last checked 11 Nov 2026. Source document: PureHealth drives insurance business growth with Daman's entry into Property and Casualty insurance market
13Daman, Travel Medical Insurance. Last checked 12 Nov 2026. Source document: Travel Medical Insurance
14Daman, questions and answers, Emergency Travel Medical Insurance - Alami FAQ. Last checked 12 Nov 2026. Source document: Emergency Travel Medical Insurance - Alami FAQ
15Daman, questions and answers, Individual Travel Insurance FAQ. Last checked 12 Nov 2026. Source document: Individual Travel Insurance FAQ
16Daman (Musafer), Musafer. Last checked 12 Nov 2026. Source document: Musafer
17Daman, Schedule of Benefits, Alami Comprehensive Travel Insurance, Silver. Last checked 12 Nov 2026. Source document: Schedule of Benefits, Alami Comprehensive Travel Insurance, Silver
18Daman, Schedule of Benefits, Alami Comprehensive Travel Insurance, Gold. Last checked 12 Nov 2026. Source document: Schedule of Benefits, Alami Comprehensive Travel Insurance, Gold
19Daman, Schedule of Benefits, Alami Comprehensive Travel Insurance, Platinum. Last checked 12 Nov 2026. Source document: Schedule of Benefits, Alami Comprehensive Travel Insurance, Platinum
20Daman, Schedule of Benefits, Alami Bronze, annual multi-trip, worldwide. Last checked 12 Nov 2026. Source document: Schedule of Benefits, Alami Bronze, annual multi-trip, worldwide
21Daman, Schedule of Benefits, Alami Bronze, 30-day single trip, worldwide. Last checked 12 Nov 2026. Source document: Schedule of Benefits, Alami Bronze, 30-day single trip, worldwide
22Daman, Ziyarah plan policy wording, File path 2025/09. Last checked 4 Nov 2026. Source document: Ziyarah plan policy wording
23Daman, Alami Comprehensive Travel Insurance online purchase. Last checked 12 Nov 2026. Source document: Alami Comprehensive Travel Insurance online purchase
- Owner
- Travelinsurance.ae research team
- Last review
- Next review due
- 10 Feb 2027
- Status
- Published