Enroll or renew their insurance policies.Additionally, send proof of payment to more information about how to use our online services mentioned above, please read the service manuals available here.Ĭustomers who used to visit our branches to: Payments: pay your premium via credit cards, bank transfers or bank deposits.

Download documents and access information: invoices issued, travel and insurance certificates, members’ digital cards and statements of accounts.

Simply go to sign-in to your “MyDaman” account and access the following services: Scenario 2: Claimed Amount (Amount Charged by Non-Network provider lower than R&C rate)ĪED 400 (lower of R&C or Actuals after applying applicable Coinsurance) Scenario 1: Claimed Amount (Amount Charged by Non-Network provider higher than R&C rate) R&C: For a particular surgery within your networkĪED 800 (lower of R&C or Actuals after applying applicable Coinsurance) Maximum reimbursed claim payable to the member This has been illustrated below, for a case where 20% co-insurance applies for all covered services in Non-Network Provider: Example - R&C: Consider that a cost for a particular surgery is AED 1000 at a network hospital.

Scenario 2 – If the actual price charged by the Non-Network Provider is less than the R&C rate, the actual price rate is applied in calculating the reimbursed claim payment.

Scenario 1 – If the R&C rate is less than the actual price charged by the Non-Network Provider, the R&C rate is applied in calculating the reimbursed claim payment.

The below scenarios can assist you in understanding: However, in the event that going to non network providers is non-avoidable, the member might not receive the full share of the cost at a non-network provider if the cost of a specific service of this provider is higher than other providers in your plan’s network.

We encourage members to seek treatments at Network Providers to receive the maximum benefits of your policy.

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