Get Insured !
What is Musafer ?
- Designed for UAE nationals only
- Musafer is an Emergency Medical Travel Insurance product which is managed by 'Daman'
- For multiple trips of up to 90 days per trip
- Worldwide excl. UAE
- Covers inpatient and outpatient medical emergency services
- Annual policy
- Buy at home or while traveling
- No deductibles, copayments or coinsurance
- 24/7 call center support
- Quick and easy online enrolment
Why do I need Musafer ?
Protect myself and other eligible family members while travelling from unexpected expenses due to an medical emergency, escorted by an experienced team of health service professionals.
Musafer covers expenses for:
- Outpatient (Emergency Services Only)
- Inpatient (Emergency Services Only)
- Repatriation of mortal remains
- Medical Evacuation to the nearest center of medical adequacy
- Additional emergency assistance services through 'Assist America'
- Companion accommodation
Frequently Asked Questions
1
I am a UAE resident. Am I eligible for Musafer?
Only UAE nationals are eligible for Musafer.
2
What is the cost of Musafer?
The cost of Musafer for member whose age band (0-18 years) is AED 250 excluding VAT, and for the age band (19-99 years) is AED 399 excluding VAT.
3
How long does it take to receive the insurance certificate after enrolling in Musafer?
It will take 48 hours from successful application. After enrolling (by entering all required information), you will receive an Email confirming the application process. You will receive the insurance certificate, confirming your coverage, within 48 hours after successful application.
4
Can I enroll in Musafer when I am already abroad?
Yes, you can apply, but coverage will start after 48 hours from the submission of the application. It will not cover a medical emergency before the policy effective date.
5
Where can I enroll for Musafer?
Through Musafer website.
6
What documents do I have to provide at enrollment?
Your Emirates ID number.
7
Is there an age limit to consider while applying for Musafer?
No, there is no age limit.
8
Whom to contact in case of emergency?
You can call this number +971 2418 4180.
9
Whom to contact, If I have any questions regarding the coverage?
You can call the Musafer Customer Service team on +971 2418 4181.
10
What is the coverage period?
The coverage is for one year and applicable for multiple trips up to a length of 90 days each.
11
I will be travelling for a period longer than 90 days. Will I still be covered?
You are covered up to 90 days from the date of leaving the UAE.
12
What to do in case of emergency?
- Call an ambulance.
- If you don’t have the ambulance number, call this number +971 2418 4180.
13
Is my Musafer coverage applicable for emergency treatment inside the UAE?
No, medical emergency treatment while staying in the UAE is not covered.
14
Is repatriation to the UAE in a medical emergency covered?
Repatriation to the UAE is not covered.
15
What is an emergency?
"Emergency" - The acute onset of a medical or surgical condition manifested by acute symptoms of sufficient severity, including pain, that the absence of immediate treatment at health facility could reasonably be expected to result in placing the patient’s health or bodily functions in serious jeopardy or dysfunction of any body organ or part.
16
How can I reimburse my medical emergency costs?
If your claims falls below AED 10,000, you can submit your claim online. If your claim is AED 10,000 or higher, please submit it at one of our branches.
17
What documents do I have to provide for getting reimbursed?
Original claim form and
- Original detailed invoice with service date.
- Original prescription for medication.
- Investigation results and/or reports (lab tests, x-ray etc.) should be attached for procedures exceeding AED 1,000.
18
What is the time limitation to submit my reimbursement claims after the treatment is done?
You must submit your reimbursement claims to Daman within 180 days from the last treatment date for service(s) availed outside of the UAE.
19
How long does a reimbursement claim usually take to be processed and reimbursed?
Reimbursement of claims should be finalized within 15 business days after successful submission of all required documents.
20
Where can I get information regarding the status of my claims?
Kindly contact the Musafer Customer Service team on +971 2418 4181.
21
Where can I go to provide my complaints/compliments regarding my claims?
Kindly contact the Musafer Customer Service team on +971 2418 4181.
22
My reimbursement claim has been rejected. What can I do if I want to resubmit my claims?
After your claim was rejected because of various reasons, you still have the chance to resubmit your claim, adding missed out documents or new crucial information. Please contact our Musafer Customer Service team on +971 2418 4181.
