cancellation Daman: Easy Method

What is Daman

Overview

Daman is a leading UAE health insurer offering corporate and individual medical insurance across the Emirates. The company provides a range of plans from basic mandatory coverage to enhanced international packages.

Scope of services

Daman manages inpatient, outpatient and emergency benefits, networks of hospitals and clinics, and member support channels. Policy terms vary by emirate, plan type and underwriting.

How to cancel Daman

Official cancellation channels

Cancellations must be handled through Daman’s official customer channels - phone, e‑mail, member portal or postal correspondence. App Store/Google Play cannot be used to cancel UAE health insurance.

Preferred quick methods are phone or e‑mail; written confirmation is recommended for records.

Step-by-step cancellation (common scenarios)

• Call Daman customer care: 600 532 626 (within UAE) or +971 2 614 9555 (outside UAE).
• State your policy number, membership details and reason for cancellation (e.g., visa cancellation, sponsor change, replacement policy).
• Provide supporting documents as requested (see checklist section below).
• Receive confirmation reference and expected processing timeframe.
• If required, escalate via Daman supervisors and then to the regulator if unresolved.

What happens when you cancel

Access to care

On approved cancellations your Daman membership will be terminated from the effective cancellation date provided by Daman. Access to network benefits ceases from that date unless otherwise specified.

Ongoing treatments should be addressed with the insurer before termination to avoid unexpected bills.

Policy records and renewal

Daman retains policy records as required by regulation and internal policy. Renewal offers or re‑entry to Daman will depend on underwriting and the policy type.

Any refunds or final settlements are processed after cancellation is approved and after validation of claims and documents.

Will I get a refund?

General refund policy

There is no 14‑day cooling‑off or free‑look period for UAE local health insurance including Daman. Policies are effective immediately and are not refundable solely because you changed your mind.

Exceptions and timings

• Valid refund grounds: visa cancellation/permanent departure from UAE, replacing with another valid policy, sponsor/employer change, or death of the policyholder.
• Refunds, when approved, are generally pro‑rata, may incur administrative fees (commonly up to around 20% or more), and are processed in approximately 30 - 90 days.
• Daman makes refunds only via the original mode of payment per their Terms and Conditions.

For full terms see Daman’s official terms: Daman Terms & Conditions.

Daman plans and pricing

Pricing table

Pricing notes

All prices are indicative annual premiums for 2024/2025 and vary by age, emirate, underwriting and optional add‑ons. Obtain an exact quote from Daman or a licensed broker.

For official enquiries use Daman’s contact page: Daman Contact.

Your consumer rights in United Arab Emirates

Regulatory context

UAE law does not require a 14‑day cooling‑off period for local health insurance; immediate activation is standard. Insurers must follow emirate regulator rules (e.g., DOH for Abu Dhabi, DHA for Dubai).

Complaint and escalation rights

• Consumers can escalate unresolved disputes: start with insurer customer care, then a supervisor, and finally to the relevant regulator (e.g., DHA or DOH).
• Insurers may offer pro‑rata refunds for valid cancellations but these are subject to verification, processing time and administrative fees.

Customer experiences

Positive feedback

Some customers find Daman competitive and satisfactory for network coverage and value compared with other UAE options. Positive comments often cite plan availability and price points for specific needs.

Negative feedback

Other customers report challenges with claims handling, partial approvals, and delays. Some hospitals or providers have reported billing friction with Daman in isolated cases.

When using Daman, keep documentation and follow escalation steps if claims are disputed.

Documentation checklist

Standard documents required

• Policy number and member name (mandatory).
• Valid ID/passport copy of the policyholder and affected members.
• Visa cancellation or Emirates ID cancellation document (if applicable).

Supporting documents for refunds or replacement

• Letter from employer or sponsor confirming change of sponsor or termination.
• Proof of new valid insurance policy (if replacing the policy).
• Death certificate in the event of policyholder death.

Common mistakes

Assuming a free-look period

Many policyholders mistakenly expect a 14‑day cooling‑off and attempt to cancel for a refund shortly after purchase. UAE local health plans do not provide this.

Always check whether the plan is a local mandatory policy or an international travel policy - rules differ significantly.

Not providing required evidence

Failing to supply visa cancellation documents, replacement policy details or employer letters will delay cancellation and refund processing.

Keep copies of all correspondence and escalation references to avoid repeated delays.

Comparative recap

At-a-glance comparison

After cancelling

Immediate steps

Confirm cancellation reference and effective date in writing. Check final invoices and settle any outstanding claims before the termination date.

Inform healthcare providers about the cancellation to avoid rejected authorizations after the policy end date.

Helpful links and escalation

• Daman contact and support: https://www.damanhealth.ae/contact-us/
• Daman terms and conditions: https://www.damanhealth.ae/terms-and-conditions/
• Dubai Health Authority: https://www.dha.gov.ae
• Department of Health - Abu Dhabi: https://www.doh.gov.ae

Address

Daman head office

P. O. Box 128888, Abu Dhabi, United Arab Emirates.

Contact numbers

Within UAE: 600 532 626. From outside UAE: +971 2 614 9555. Use these for cancellation requests and member support.