Daman

What Daman does

Daman (legal name: National Insurance Company - Daman) is a UAE-based health insurer founded in 2005 and headquartered in Abu Dhabi. The company is a wholly-owned subsidiary of PureHealth Holding, the largest healthcare group in the Middle East, and serves as PureHealth's dedicated insurance (Cover) vertical. Daman offers a comprehensive portfolio of individual, family, SME, and large-corporate health insurance products, alongside travel insurance (Alami, Ziyarah, Musafer), a gratuity and employee benefits scheme, and a wellness management app (Pura). It also administers the government-mandated Abu Dhabi Basic Health Insurance Plan and provides specialized coverage for Golden Visa holders, retirees (Madeed), Thiqa top-up members, and domestic helpers.

The company's technology backbone is built on Oracle-based enterprise systems supporting policy administration, claims processing, member services, and supplier management (Oracle iSupplier Portal). Member-facing digital channels include the Daman Health mobile app (iOS and Android), the eDaman member portal, the Daman Smart Branch self-service digital branch, and broker/provider/supplier portals. Daman distributes its products through a multi-channel go-to-market model: direct digital sales via website and app, an extensive broker and agent network with dedicated onboarding programs, dedicated enterprise sales teams for accounts with 150+ employees, and partner portals for healthcare providers (OpenJet) and suppliers.

Daman generates revenue primarily through recurring health insurance premiums from individuals, families, and corporate groups (subscription model, annual billing), supplemented by one-time travel insurance premiums and professional-service fees for gratuity schemes. Pricing is quote-based and not publicly disclosed, with tiered products such as Value Choice (micro-SME), Uselect (SME), and tailor-made large-group plans. The company serves approximately 3 million members through a network of 3,000 hospitals and clinics across the UAE, and is recognized as UAE's Best Perceived Health Insurer Brand.

Name

Daman

Legal name

National Insurance Company - Daman

Website

https://damanhealth.ae

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Daman (National Health Insurance Company - Daman) is a UAE health insurer and the insurance arm of PureHealth. Founded in 2005 and headquartered in Abu Dhabi, it serves approximately 3 million members across individuals, families, SMEs, and large corporates through a 3,000-provider network.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance and Employee Benefit Funds (5251)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Managed Care / Network-Based Group Health Plans (Carrier Network Products) (FSAIAFAO)

Keywords

• Health insurance
• Group insurance
• Travel insurance
• Employee benefits
• Wellness programs

Headquarters

HQ city

Abu Dhabi

HQ country

United Arab Emirates

HQ region

Middle East

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Health Insurance Premiums: Daman generates revenue primarily through health insurance premiums paid by individuals, families, and businesses. Premiums are collected on subscription basis with various plan tiers offering different coverage levels and pricing.
2. Travel Insurance Premiums: Short-term travel insurance products including Alami (outbound), Ziyarah (inbound visitors to UAE), and Musafer (UAE nationals). One-time premium payments for coverage periods.
3. Corporate Group Insurance: Group health insurance plans for businesses ranging from micro-SMEs to large enterprises with 150+ employees. Volume-based pricing with customizable coverage modules.
4. Gratuity and Employee Benefits: Employee end-of-service benefit schemes and gratuity programs offered to businesses as part of employee benefits packages.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Daman provides health insurance coverage to individuals, families, and businesses across the UAE through individual plans, group plans for SMEs and large enterprises, government-mandated basic plans, retiree and Golden Visa plans, Thiqa top-ups, and travel insurance products. The company also operates the Pura wellness application and a gratuity/employee benefits scheme, distributing its products via website, mobile app, brokers, and dedicated corporate sales teams.

Product overview

Daman operates as a health insurance provider in the UAE offering a comprehensive portfolio of individual and business insurance products. The individual portfolio includes Abu Dhabi Basic Health Insurance Plan, Individuals and Families Health Insurance, Golden Visa Holders Health Insurance, Retirees Health Insurance (Madeed), Thiqa Top Up Plans, and Flexi Health Insurance Plan. Travel insurance products include Alami (outbound), Ziyarah (inbound), and Musafer (UAE nationals). Business offerings encompass Value Choice for micro-SMEs, Uselect for SMEs, Large Businesses Group Health Insurance, Amanak Chrome for Northern Emirates, and AXA Global Health Plan. A non-health insurance product includes the Gratuity and Employee Benefits Scheme. Additionally, Daman offers the Pura App as a wellness management add-on. The company serves approximately 3 million members through a network of 3,000 hospitals and clinics.

Differentiator

Problem solved

Functional benefit

Products and services

• Abu Dhabi Basic Health Insurance Plan Government-mandated basic health insurance covering hospital stays, treatments, medicines within Abu Dhabi, plus emergency services across the UAE. Targeted at domestic helpers and low-income members holding an Abu Dhabi visa.
• Individuals and Families Health Insurance Comprehensive health insurance plans covering core benefits including inpatient, outpatient, maternity, and emergency services for individuals and families in the UAE.
• Golden Visa Holders Health Insurance Comprehensive health insurance plans tailored for Golden Visa holders residing in the UAE.
• Madeed Retirees Health Insurance Retirement health insurance plan designed to address healthcare needs during retirement years for UAE residents.
• Thiqa Top Up Plans Supplementary health insurance plans for Thiqa members seeking to upgrade their current coverage with additional benefits.
• Flexi Health Insurance Plan Flexible health insurance plan providing access to network clinics for physician consultations and in-network hospital access for emergency or inpatient treatment within Abu Dhabi.
• Alami - My World (Outbound Travel Insurance) Outbound travel emergency health insurance providing international coverage for UAE residents traveling abroad.
• Ziyarah - Hello UAE (Inbound Travel Insurance) Inbound travel emergency health insurance for visitors to the UAE, providing coverage during their stay.
• Musafer - Outbound Travel Insurance for UAE Nationals Specialized outbound travel emergency health insurance designed specifically for UAE nationals.
• Value Choice (Micro-SME Group Health Insurance) Micro-SME business group health insurance offering customizable Gold, Silver, and Bronze plans for small businesses and their employees.
• Large Businesses Group Health Insurance Tailor-made group health insurance plans for companies with more than 150 employees and their dependents, with annual pricing starting from AED 999 per member.
• Uselect (SME Business Health Insurance) Customizable SME business health insurance plans for companies with 6-150 employees, offering flexible modular coverage options.
• AXA Global Health Plan Global health insurance plan providing employees access to expert healthcare around the world at any time.
• Amanak Chrome Health insurance plan for employees in the Northern Emirates, offering affordable coverage options.
• Gratuity and Employee Benefits Scheme Tailored employee gratuity program that helps employers set aside funds for employees' End of Service Benefit, enabling companies to become employers of choice.

Quantifiable outcome

• Approximately 3 million people trust Daman for their health coverage
• +1 more outcomes

Named customers9 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Four partnerships are on record, tiered flagship and core.

• Department of Culture and Tourism Abu Dhabi (DCT Abu Dhabi)flagshipStrategic or Co-development Partner · 15 June 2026Daman, underwritten and administered by National Insurance Company-Daman (part of PureHealth), partnered with DCT Abu Dhabi to provide complimentary medical travel insurance to all international visitors arriving in Abu Dhabi on Etihad-operated flights. The insurance covers eligible visitors for up to 15 days in the UAE from July through December 2026, aiming to set a new benchmark for destination standards and enhance Abu Dhabi's appeal as a travel destination.
• Etihad AirwaysflagshipStrategic or Co-development Partner · 15 June 2026Partnership with Etihad Airways and DCT Abu Dhabi to provide complimentary medical travel insurance for international visitors arriving in Abu Dhabi on Etihad-operated flights. The insurance is underwritten and administered by Daman (part of PureHealth).
• AXA GulfcoreStrategic or Co-development Partner · 1 January 2025Daman and AXA Gulf expanded Hospital@Home coverage in 2025, signaling the transition of acute-at-home care from pilot programs to commercial rollout with an expected launch window of six to 12 months.
• PureHealthflagshipStrategic or Co-development PartnerDaman is part of PureHealth, the largest healthcare group in the Middle East. PureHealth includes entities such as SEHA, Sheikh Shakhbout Medical City, Daman, PureLab, and Rafed. PureHealth reported USD 7.4 billion revenue in FY2025.

Scale indicators3 records

Recent moves5 records

Expansion highlights6 records

Direct peers

• AXA Gulf: AXA Gulf is a major regional health and general insurer operating in the UAE, offering both individual and group health plans. Daman and AXA Gulf have a direct commercial partnership (Hospital@Home) while also competing for the same large employer and SME group health accounts in the UAE.
• Abu Dhabi National Insurance Company (ADNIC): ADNIC is a leading UAE composite insurer headquartered in Abu Dhabi with a sizable group health and employee benefits book. It is one of Daman's closest direct competitors for large corporate group health mandates in Abu Dhabi.
• Sukoon Insurance (formerly Oman Insurance Company): Sukoon is a major UAE-headquartered insurer offering group medical, individual health, and employee benefits products. It competes head-to-head with Daman for large enterprise and SME group health contracts across the Emirates.
• Bupa Arabia: Bupa Arabia is the largest dedicated health insurer in Saudi Arabia, with a similar individual + employer-sponsored group health model. It is a comparable regional health insurance specialist in scale, product design, and corporate-channel GTM.
• Tawuniya (Cooperative Health Insurance): Tawuniya is a leading Saudi health insurer with multi-million member scale and a mandate-driven employer health book. It mirrors Daman's positioning as a flagship national health insurer tied to a mandatory coverage regime.
• Dubai Insurance Company: Dubai Insurance is a UAE composite insurer with a sizeable group medical and personal accident book. It directly competes with Daman for both group and individual health customers, particularly in Dubai and the Northern Emirates.

Broad incumbents

• Allianz Care: Allianz Care is the international health and life arm of Allianz, offering global group and individual health plans including in the UAE. It competes with Daman on multinational employer RFPs and global health plans such as Daman's AXA Global Health Plan offering.
• Cigna Healthcare UAE: Cigna is a global health insurer with a strong employer-sponsored international health insurance footprint, including the UAE. It overlaps with Daman in serving multinational employers and expatriate populations seeking cross-border coverage.
• MetLife UAE: MetLife operates in the UAE offering group life, health, and employee benefits products to corporate clients. It is an overlapping broad-incumbent for employer-sponsored benefits including medical, alongside Daman's group health and gratuity offerings.

Emerging players

• Now Health International: Now Health International is a specialist international private medical insurer with strong UAE and Gulf distribution. It competes with Daman in the cross-border individual and SME expatriate health segment, particularly through brokers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/activelifedaman
• YouTubeyoutube.com/@damanhealth
• Facebookfacebook.com/activelifedaman
• LinkedInlinkedin.com/company/daman-national-health-insurance
• Instagraminstagram.com/damaninsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Daman