an introduction

The health insurance of the Damani program is a unique insurance that has no equal in Iraq, and it is available to anyone who wants to obtain health insurance that guarantees access to medical services when and where he needs them in Iraq. 

The Unique Benefits of Damani Health Insurance

Whatever insurance plan and level of coverage you choose, you will enjoy the following benefits:

• You can visit any doctor, hospital, laboratory or examination center at any _ cc781905-5cde-3194-bb3b-136bad5cf58d_ anytime and anywhere in Iraq and Damani undertakes to bear the medical expenses and expenses arising from your review, according to the terms of the insurance contract;

• Regardless of the insurance plan and level of coverage, Damani pays 100% of the fees for the following health services: 1) Vaccines; 2) annual review of the general practitioner;

• Easy procedures for claiming compensation and quick settlement of compensation claim; 

• All you need to submit with your reimbursement claim are receipts for the medical service you received; There is no need for medical reports or other documents of any kind, and there is no need to certify any receipt from any party;

• Free medical consultations using telemedicine technology, any time, seven days a week. 

How does my health insurance work?

The way Damani health insurance works is simple and the simplicity of the method is one of the reasons for the success and distinction of Damani program from other health insurance programs. The method is as follows:

• When you obtain the medical service, obtain an original receipt from the medical service provider (doctor, hospital, laboratory, clinic, etc.). The meaning of an original receipt is a receipt that contains the name of the patient, the date of the review, a detailed list of costs and the name and address of the service provider;

• Fill out the compensation application - online or manually - and submit it to the Daman Program Department with the receipts. The application and receipts can be submitted via the program website, e-mail, or hand delivered at the program office. The claim for compensation shall be made within a maximum period of 30 (thirty) days from the date of the medical service, otherwise the right to claim compensation shall be forfeited.

• Upon receipt of the application, the Managing Director of Damani examines it from an administrative point of view and ensures that it meets all conditions and calculates the amount of insurance coverage and the remaining monthly balance of the insurance holder. After that, the request is sent to the medical director of the program for the purpose of examining it from a medical point of view and then marginalizing it and returning it to the administrative director for the purpose of determining the final amount of insurance coverage and disbursing the amount of compensation. These procedures should not take more than three working days.

• After obtaining approval to pay the compensation amount, the compensation will be paid to you in the form of a check.

Insurance Duration 

Insurance starts from the date you sign the insurance contract and we receive the insurance premium and it continues without interruption as long as you continue to pay the insurance premium on time and stops when you stop or fail to pay the insurance premium. The method and timing of payment of the insurance premium shall be specified in the contract. The insurance does not cover any medical expenses that occur before the insurance begins or after it stops.

Insurance plans and levels of coverage

• Collective/ Gold:

  • You can only obtain this plan through your employer, after they have contracted with Damani;

  • The monthly insurance premium is 15,000 (fifteen thousand) Iraqi dinars or its equivalent in US dollars, deducted from the salary; 

  • Damani covers 75% of your medical expenses, excluding medicines for chronic diseases;

  • Damani covers 25% of the costs of purchasing chronic disease medicines;

  • You can add any number of your family members to this plan in return for paying 15,000 (fifteen thousand) Iraqi dinars for each adult (18 years and over) and 7,000 (seven thousand) Iraqi dinars for each child under the age of eighteen;

  • Security coverage limits: The maximum limit for the total compensation borne by Damani for health insurance during one insurance year and for one insured person is 24,000,000 (twenty-four million) dinars, provided that it does not exceed _ cc781905-5cde-3194-bb3b-136bad5cf58d_ 2000000 (two million) dinars for any month. .

• Collective/ Silver:

  • • You can only obtain this plan through your employer, after they have contracted with Damani;

    • The monthly insurance premium is 5000 (five thousand) Iraqi dinars, deducted from the salary; 

    • Damani covers 40% of your medical expenses;

    • You can add any number of your family members to this plan in return for paying   5000 (five thousand) Iraqi dinars for each adult (18 years and over) and 3000 (three thousand) Iraqi dinars for each child under the age of eighteen .

    • Security coverage limits: The maximum limit for the total compensation borne by Damani for health insurance during one insurance year and for one insured person is 12,000,000 (twelve million) dinars, provided that it does not exceed _ cc781905-5cde-3194-bb3b-136bad5cf58d_ 1,000,000 (one million) dinars for any month.

• Single/ Gold:

  • You can get this plan by contracting directly with Damani and without the need for an intermediary;

  • The monthly insurance premium is 20,000 (twenty thousand) Iraqi dinars, to be paid in advance every six months; 

  • Damani covers 75% of your medical expenses;

  • You can add any number of your family members to this plan in return for paying   20,000 (twenty thousand) Iraqi dinars per adult (18 years and over) and 10,000 (ten thousand) Iraqi dinars for each child under eight ten.

  • Security coverage limits: The maximum limit for the total compensation borne by Damani for health insurance during one insurance year and for one insured person is 12,000,000 (twelve million) dinars, provided that it does not exceed _ cc781905-5cde-3194-bb3b-136bad5cf58d_ 1,000,000 (one million) dinars for any month.

• Single/ Silver:

  • You can get this plan by contracting directly with Damani and without the need for an intermediary;

  • The monthly insurance premium is 7000 (seven thousand) Iraqi dinars, to be paid in advance every six months; 

  • Damani covers 40% of your medical expenses;

  • You can add any number of your family members to this plan in return for paying    7,000 (seven thousand) IQD for each adult (18 years and over) and 5,000 (five thousand). ) Iraqi dinar for each child under the age of eighteen.

  • Security coverage limits: The maximum limit for the total compensation borne by Damani for health insurance during one insurance year and for one insured person is 600,000 (six million) dinars, provided that it does not exceed 500,000 (five hundred thousand) dinars for any month.

Exceptions

The following cases are excluded from the insurance cover:

• Cosmetic surgeries or related treatment (unless it was due to an accident that occurred during the insurance period)

• Ophthalmology, for example contact lenses or any theoretical devices and eyeglasses, laser vision correction operations or LASIK.

• Medicines related to cosmetic conditions

• Herbal medicine, nutritional supplements and all substances that are not considered medicines

• more than a month's processing of the drug;

• Chronic disease medication (unless it is a gold group insurance plan);

• physical therapy and massage;

• Everything related to fertility, including drugs, hormones, and interactions;

• any medicine purchased without a doctor's prescription;

• any examination or analysis performed without a medical order;

• All examinations not related to a specific disease or symptom;

• Medical evacuation outside Iraq and any medical service outside Iraq;

• Tipping, tips, and the like.

General instructions

• Insurance fees and financial transactions are in Iraqi dinars or its equivalent in US dollars at the market price.

• Any amendment to this document will be activated and applied to all beneficiaries from the date of its publication.

• Definition of the annual preventive review of the general practitioner: It is one visit per year to the clinic of the family doctor or general practitioner for the purpose of conducting a general preventive examination and may include conducting blood and general urine tests. 

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