How to Get a Refund from Expired Daman Insurance (AED 1400 Recovered – Step-by-Step)

I want to share with you how I got a refund from expired Daman insurance and how you can apply for it too. A friend of mine got sick when his Daman insurance expired and had to be treated in the hospital. It cost him around 1400 dirhams including medicine and treatment. Since the insurance expired, he had to pay the entire amount on the day.

He told me about it after 2 months. He asked me in frustration if there was any way to get a refund. I said let’s see. Because, I didn’t know that I would get a refund either! But with a little effort, we got back about 1400 dirhams. I want to share with you how I got it and how to apply for it.

I am sure this article will be very useful for those who have had to spend a lot of money on treatment when their Daman insurance expired. I don’t know if I can get a refund for other reasons…

Can You Really Get a Refund from Expired Daman Insurance?

That’s how I was asked about getting that money back. I had no idea about it either. I said I’d try it.

Step-by-Step Process to Claim a Refund from Daman

I am going to tell you the steps I took to apply for a refund;

Step 1 : Open daman portal and login as a member using UAE pass

Step 2 : Click on Reimbursement Claims

Step 3 : Add your details and choose your claim category as inpatient, medicine or outpatient.

Step 4 : Enter your bank details.

Step 5 : Attach all required documents.

Step 6 : Submit

Before you start

The reimbursement request can be claimed within 180 days only from the service date.

Note that we will require all the documents listed below in English or Arabic to validate your claims, any missing documents may lead to your claim processing being delayed or unsuccessful. We will do our best to accommodate other languages, however, you may be asked to provide a translated document.

Required documents:

• Invoice/Bills with a breakdown of each medical service
• Complete medical report/Discharge summary
• Medical Prescriptions
• Any other relevant documents to support your claim
• Fill this Form

After your claim submission, please ensure that you store your original documents safely, from time to time Daman may need to review the original documents.

Luckily, he had all the papers related to the hospital treatment in his hand. You too should get all the documents and papers properly and keep them safe at such times.

How Long Did the Refund Take?

When I submitted the application, it was shown that I would get a reply in a maximum of 7 days. However, out of curiosity, we checked the status of the application every day. It was still showing as under process. 7 days passed like that. Even then, the status had not changed.
But on the eighth day, he happily came to me and told me that the money had arrived in the account.

Final Thoughts

Honestly, we didn’t expect a refund at all. My friend had already lost hope after spending 1400 dirhams during a tough time—especially when every dirham counts. But just by trying, we got that money back. That experience taught me one thing: never assume it’s over until you check.

Daman does allow reimbursements even after your insurance expires, as long as it’s within the 180-day period and you have the proper documents. Many people don’t know this, and they just let their hard-earned money go. If this article helps even one person get back what they spent on medical care, it’s worth writing.

So if you or someone you know ended up paying hospital bills after Daman insurance expired—don’t delay. Collect your documents, follow the steps, and apply. You might be surprised, just like we were.

Let me know in the comments if you’ve had a similar experience—or if you need help applying. I’ll try my best to guide you.