I recently downloaded the Daman App to manage my health insurance, but I’m confused about some features like viewing coverage, submitting claims, and tracking approvals. The interface isn’t very clear to me, and I’m worried I might miss important benefits or updates. Can anyone explain how to properly use the Daman App step by step, or share tips to get the most out of it?
The Daman app confused me at first too. Here is how I figured it out step by step.
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Log in and pick the right profile
If you have more than one policy, tap your name or profile on the home screen.
Make sure you selected the right card or policy, or the coverage details look wrong. -
View coverage and benefits
• On the home screen look for something like “Policy details” or “Benefits & Coverage”.
• You should see
– Network type (e.g. Enhanced, Basic, etc)
– Covered services: outpatient, inpatient, maternity, dental, optical
– Co pay amounts, for example 10 percent or 20 percent
– Annual limits if your plan has them
• Tap each section to see more info, for example outpatient visits or lab tests.
Take screenshots so you have them ready when you visit a clinic. -
Find a covered hospital or clinic
• Use “Provider search” or “Find a doctor”.
• Filter by
– City
– Specialty
– Network
Check that it says “In network”.
If you visit out of network providers, you usually pay more or pay all and then submit a claim. -
Submitting claims from the app
This is for reimbursement claims when you paid yourself.
Steps are usually like this.
• Go to “Claims” or “Submit a claim”.
• Pick the member. If your dependents are on your policy, choose the right person.
• Pick claim type: outpatient, pharmacy, emergency, etc.
• Enter visit date, clinic name, reason for visit.
• Upload clear photos or PDFs of
– Itemized invoice
– Payment receipt
– Doctor prescription
– Reports if any, like lab or x ray
• Check bank details section. Some policies use your bank IBAN, some refund through employer.
• Submit and note the reference number.
Tip.
Keep all documents in English or Arabic if possible. If they are in another language, they sometimes ask for more info or reject.
- Tracking approvals and claim status
• Go to “Claims” or “Authorizations” section.
You usually see three parts:
– Submitted or Pending
– Approved
– Rejected or Closed
• For each claim tap to view
– Status
– Amount submitted
– Amount approved
– Reason for any deduction or rejection
Common rejection reasons:
– Policy does not cover that service
– Missing prescription
– Invoice not stamped
– Claim submitted after time limit, often 30 to 90 days from service date
If you see a rejection and it looks wrong, use the app’s “Contact us” or call the Daman number, mention your claim reference, and ask for re review.
Sometimes they fix it if you upload a missing file.
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Pre approvals for procedures
For surgeries or expensive tests, hospitals usually handle pre approval through the Daman portal.
You can still see it in the app under “Authorizations” or “Pre approvals”.
Status types:
– Requested
– Approved
– Partially approved
– Rejected
If it shows “Partially approved”, ask the hospital which items you need to pay yourself. -
Common confusing bits
• “E-Card” is your digital insurance card. Show it at reception.
• “Network” is the group of hospitals and clinics where your coverage works as per your plan.
• Some things look greyed out because your plan does not include them, for example dental on some basic plans. -
If the interface still feels messy
What helped me:
• Use the app for quick stuff only.
• For complex questions, call Daman or use live chat in the app if available.
Specific questions to ask them:
– “Which network is my plan”
– “What is my co pay for outpatient visits”
– “Is [service] covered and do I need pre approval”
– “What is my annual limit on [benefit]”
If you share which plan type you see in the app, like Thiqa, Enhanced, Comprehensive, or Abu Dhabi Basic, people here can give more targeted tips, because the screens differ a bit per plan.
Couple of extra angles to add on top of what @cazadordeestrellas already wrote, since the app can be… let’s say “not super intuitive.”
- Start from the bottom menu, not the home tiles
The home screen tiles look nice but are weirdly inconsistent. I actually get less lost if I use the bottom navigation bar:
- “Home” only for e‑card and quick stuff
- “Benefits” / “Coverage” for limits & copays
- “Claims” only for reimbursements & tracking
- “More” for everything they didn’t know where to put
If a tile confuses you, try finding the same thing from the bottom menu instead. Half the “mystery” screens are just shortcuts to those sections.
- Coverage: ignore the marketing names, look for numbers
Instead of trying to decode the plan name and fancy icons:
- Tap the section that actually shows numbers like “20%” or “AED X per year”
- Check specifically:
- Outpatient: visit copay, labs copay
- Pharmacy: copay + any max per prescription
- ER: if copay applies only when “non emergency”
If you cannot find numbers for a category (like dental), assume it is not included unless HR or Daman say otherwise. The app sometimes “shows” categories your plan does not really cover.
- Claims: avoid rejections by filling in 3 things exactly
Where people usually get burned:
- Diagnosis / reason: instead of “sick” or “checkup,” write what is on the doctor’s paper, like “acute pharyngitis” or “back pain”
- Provider name: match the invoice name, not what you call the clinic
- Date: must match the invoice date exactly
If they can’t match these, it is an easy reject even if your coverage is actually fine.
- When the claim status is stuck on “in progress” forever
If your claim is “pending” for more than 10 working days:
- Go into that claim and look for any small note or exclamation icon
- Sometimes they quietly ask for “additional documents” instead of messaging you properly
Upload whatever is missing into the same claim, not as a new one, or you will just create more confusion.
- Approvals: trust the provider slightly more than the app
I kinda disagree a bit with the idea of relying on the app alone here. For big procedures or MRIs:
- Ask the hospital “Do you see Daman approval in your system? For which codes and amounts?”
- Then use the app only to cross check what they are charging you
The Daman app is usually slower to refresh than the provider portal, so the hospital often knows first if it is approved, partially approved, or declined.
- Screenshots & timeline habit
What saved me a couple of times:
- Every time you submit a claim, screenshot:
- Summary screen
- Reference number
- Uploaded documents list
- Keep a tiny note on your phone with:
- Date of visit
- Date of submission
- Date of approval / rejection
If they claim “you submitted late” or “document missing,” you have proof.
- When in doubt, reverse engineer from a real visit
If the menus are still a mess:
- Next time you go to an in network clinic, let them process with your e‑card
- Then later open the app and see:
- Where that visit shows up
- How the claim/authorization looks
Using one real example makes the sections suddenly make more sense than just randomly tapping around.
If you share:
- What your plan name shows as in the app (Enhanced, Comprehensive, Thiqa, etc.)
- Whether you are mostly using it for outpatient visits or big procedures
people here can point out exactly which 1 or 2 screens actually matter for you and you can ignore the rest of the clutter.
Short version since the others already went deep:
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What @nachtschatten nailed: using bottom navigation and being super precise with claim details.
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Where I slightly disagree: I would not rely only on guessing from numbers when checking coverage. In Daman App, always tap into the tiny “i” or “More details” text near each benefit. That is where exclusions and weird conditions hide, like “only in network A” or “only after 6 months from policy start.” The marketing icons plus numbers can be misleading on their own.
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What @cazadordeestrellas covered well: the overall workflow for coverage, claims and approvals.
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My add‑on: before you submit your very first reimbursement, open any old claim Daman created automatically (for an in network visit). Compare:
- How they wrote diagnosis
- How provider name appears
- What category they used (outpatient, pharmacy, etc.)
Then copy that style in your manual claims. It reduces edits and rejections a lot.
Pros of using the Daman App for all this:
- Central place for e‑card, coverage, claims and approvals
- Faster than calling, especially for checking status or limits
- Decent history of visits and reimbursements once you get used to it
Cons:
- Screens are cluttered, and labels change slightly between updates
- Some benefits show visually even when your plan does not actually include them
- Notifications about “missing documents” or delays are easy to miss, so you must manually check claims often
If you mostly care about:
- “Am I covered for this?”: ignore the big plan name and go directly into each benefit’s detail page.
- “Will I get reimbursed?”: mirror the info you see in older processed claims instead of inventing your own wording.
That combo, plus the step by steps from @nachtschatten and @cazadordeestrellas, usually turns the Daman App from confusing into just mildly annoying but workable.