How to Check Your Health Insurance Coverage Using the Daman App?

Health insurance plays a vital role in ensuring that individuals and families have access to quality medical care without financial strain. However, understanding your insurance coverage—what is included, excluded, and the benefits you can avail—can sometimes be confusing. This is where the Daman App comes in handy.

The Daman App, developed by the National Health Insurance Company – Daman, is a user-friendly platform that allows policyholders to check their health insurance details, coverage benefits, network hospitals, claim status, and much more. This guide will walk you through the step-by-step process of checking your health insurance coverage using the Daman App, ensuring that you can access medical services with ease and confidence.

What is the Daman App?

The Daman App is an innovative healthcare and insurance management tool designed to provide policyholders with quick access to their insurance details. It allows users to:

• Check their health insurance coverage and policy details

• View network hospitals, clinics, and pharmacies

• Submit and track insurance claims

• Access digital insurance cards

• Book medical appointments and teleconsultations

• Locate nearby healthcare providers

• Receive wellness tips and health alerts

With its user-friendly interface and comprehensive features, the Daman App ensures that users can manage their healthcare needs efficiently.

Step-by-Step Guide to Checking Your Health Insurance Coverage Using the Daman App

Step 1: Download and Install the Daman App

Before you can access your health insurance coverage details, you need to install the Daman App on your smartphone. The app is available on:

• Google Play Store (for Android users)

• Apple App Store (for iOS users)

Once downloaded, open the app and proceed with the login or registration process.

Step 2: Log in or Register an Account

To access your insurance details, you need to log in to the Daman App. If you are a new user, follow these steps to register:

1. Click on “Sign Up”.

2. Enter your Emirates ID, policy number, or registered mobile number.

3. Set up a username and password.

4. Verify your identity via OTP (One-Time Password) authentication sent to your registered phone number.

If you already have an account, simply enter your username and password to log in.

Step 3: Access the Insurance Coverage Section

Once logged in, you will see multiple options on the home screen. To check your insurance details:

1. Click on the “My Insurance” tab.

2. Select “Coverage Details” to view your health insurance plan.

Step 4: View Your Health Insurance Policy Details

The Daman App provides an overview of your health insurance policy, including:

• Policy Type – Whether you have an individual or corporate policy.

• Policy Expiry Date – Check the validity of your health insurance plan.

• Coverage Benefits – Details on what medical services are covered.

• Network Hospitals and Clinics – A list of healthcare providers within your insurance network.

• Copay and Deductibles – Information on out-of-pocket expenses for treatments.

• Pre-approvals Required – Check if certain treatments or procedures require prior authorization.

Step 5: Check Your Insurance Network Hospitals and Clinics

To ensure you receive medical care at covered facilities:

1. Navigate to “Find a Provider” in the app.

2. Enter your location or allow GPS access to find network hospitals nearby.

3. Apply filters such as specialty, hospital name, or insurance network type.

4. Click on a provider to view contact details, address, and accepted insurance plans.

This feature helps you identify hospitals and clinics where your insurance is accepted, reducing out-of-pocket expenses.

Step 6: Check What Medical Services Are Covered

Understanding your insurance benefits is crucial before visiting a doctor. The Daman App allows you to:

• View outpatient and inpatient coverage details.

• Check if diagnostic tests (blood tests, X-rays, MRIs) are covered.

• Know if maternity, dental, or vision care is included in your plan.

• See medication coverage and preferred pharmacies.

This ensures that you make informed decisions regarding your healthcare.

Step 7: Track Your Insurance Claims

The Daman App also provides a claims tracking feature to check the status of your insurance claims:

1. Click on “Claims” from the main menu.

2. View submitted claims along with their processing status.

3. Check claim history for past treatments and reimbursements.

This feature helps users stay updated on their medical expenses and reimbursements.

Additional Features That Enhance Insurance Accessibility

1. Access Your Digital Insurance Card

The Daman App allows users to view and download their digital health insurance card. This eliminates the need to carry a physical card when visiting a hospital or clinic.

2. Get Pre-Approval Information

Some medical procedures require pre-approval from the insurance provider. The app provides details on:

• Which treatments require pre-approval.

• How to submit a pre-approval request.

• Estimated processing time for approvals.

3. Receive Policy Renewal Alerts

To avoid policy expiration, the app sends renewal reminders before your insurance plan expires, ensuring uninterrupted healthcare coverage.

4. Emergency Support and Helpline

In case of an emergency, users can access 24/7 customer support via the app for immediate insurance-related assistance.

Benefits of Using the Daman App to Check Health Insurance Coverage

1. Instant Access to Insurance Details

No need to call customer service or visit a branch—your health insurance details are available in real-time.

2. Saves Time and Reduces Confusion

Easily understand what is covered under your plan without having to go through lengthy policy documents.

3. Find In-Network Healthcare Providers Quickly

The app ensures that you visit only those hospitals and clinics where your insurance is accepted, reducing unnecessary expenses.

4. Efficient Claims Tracking

Monitor the progress of your submitted claims, ensuring you stay informed about reimbursements.

5. Increased Convenience and Accessibility

From digital insurance cards to policy renewal reminders, the Daman App makes healthcare access more streamlined and hassle-free.

Conclusion:

Understanding your health insurance coverage is essential to making informed healthcare decisions. The Daman App simplifies this process by providing instant access to your insurance policy details, network hospitals, claim status, and more. By following the steps outlined in this guide, you can easily check your insurance coverage, ensuring that you receive the right medical care without unexpected costs.

If you haven’t already, download the Daman App today and take full control of your health insurance benefits at your fingertips!