Certificate of Continuity: How to Get Certificate of Continuity in UAE 2025
If you’re an expatriate in Dubai or Abu Dhabi, you need to obtain an Insurance Continuity Certificate (COC) from your insurance company. This document is required by the UAE government after changing jobs and requires updating visa, identity card, or bank account information.
This article covers the comprehensive guide for getting the certificate of continuity in the UAE. It gives you information on different methods to get a document. The Certificate of Continuity is a crucial document for employees. Health insurance is mandatory in the Abu Dhabi Emirate, and employers are responsible for renewing it. Let’s dive in!
What is a Certificate of Continuity in UAE?
The Certificate of Continuity (COC) in the context of health insurance in the UAE, particularly with Daman Insurance. The COC is a document that proves continuous health insurance coverage, which is crucial when switching from one insurance company to another.
Your organization provides you with a declaration certificate when submitting insurance claim cards, which is then requested by the insurance company to issue a Certificate of Continuity (COC). This certificate is required for visa stamping and is essential for new employers to secure health insurance for their employees.
How to Get Certificate of Continuity in UAE Online
Acquiring a Certificate of Continuity (COC) in Abu Dhabi can be done online, in-person, or through the Daman Health website, depending on your preference. Follow these steps to obtain your certificate through the Daman Health website online
Step 1: Go to the Portal of the Daman Health Website
Open your web browser and navigate to the official Daman Health website. Ensure you are on the correct site to avoid any phishing attempts.
Step 2: Login and Click on “Login as Customer”
Once on the homepage, look for the Login option. Click on it, and then select “Login as Customer” to access your account.
Step 3: Login with User Name & Password
To log in, enter your registered username and password or use the UAE PASS service for a secure, streamlined login process, which may require the UAE PASS app installed on your device.
Step 4: Go to the Section of Insurance Documents
Once logged in, navigate to the Insurance Documents section. This area contains various documents related to your health insurance policy.
Step 5: Find the Certificate of Continuity
In the Insurance Documents section, look for the Certificate of Continuity or Continuity Certificate. This may be listed under various headings, so ensure to browse through the available options if it’s not immediately visible.
Step 6: Click on Download Option
After locating the Certificate of Continuity, click on the Download option. This will initiate the download of your COC in a digital format (usually PDF). Once downloaded, you can save it to your device for future reference or printing.
By following these steps, you can get your Certificate of Continuity online.
Obtain a Continuity Certificate via the Daman Health App
Daman Health provides a mobile app for customers to manage their health insurance, allowing easy access to services like requesting a Certificate of Continuity.
- Log in with your Username Name and Password or UAE PASS App.
- Access Customer Home.
- Select the More option in the lower right corner.
- Tap on Insurance Documents.
- Find the Continuity Certificate option.
- Download the Certificate as a PDF file.
- Continuity Certificate can be renewed in 2 minutes.
Get a Certificate of Continuity in-Person
If you prefer face-to-face interactions, you can visit any local branch of Daman Health in Abu Dhabi. To obtain a Certificate of Continuity, bring your insurance claim cards and identification documents to the customer service desk, which may take longer due to branch operational hours and queue length. Follow the given steps to get your certificate in person!
- Visit the branch near the current location and present the Insurance Card to the service executive.
- If the card was handed over to the previous employer, request a day’s return.
- Download the card via the Daman Health Mobile App.
- Meet the service executive at the nearest branch.
- A certificate will be issued within two minutes.
What is the Format of COC?
The Certificate of Continuity is a document that certifies that the person or persons insured under a health insurance policy are covered under Law No. 23 of 2005 regarding health insurance in the Emirate of Abu Dhabi and its Regulations. The certificate is valid for 30 days from the date of issuance and is signed by the authorized signatory.
The policy type is either Thiqa / Enhanced / Basic / Emergency, and the insured individual information includes their name, nationality, sex, date of birth, and authorized signatory.
- Insurer’s Name
- Policy Type
- Effective Date of Health Insurance Policy
- Certificate No
- Nationality of Insured
- Name of Insured
- Date of Birth of Insured
- Signature of Authorized Signatory
- Authorized Signatory
- Expiry Date of Health Insurance Policy
- Insurance Company Seal
- Certification Statement
- Certificate Issuance Date
Certification Statement: This is to certify that the person/persons insured under the above-mentioned health policy is/are covered as per Law No. 23 of 2005 regarding health insurance in the Emirate of Abu Dhabi and its Regulations. This certificate is valid for 30 days as of the date of issuance.
What is the Validity of a Certificate of Continuity
The COC has a validity of only 30 days. If you are the owner of the business, and the user is your employee, after getting the Certificate of Continuity from authority, give it to your other new employee in one month and do not delay. If it gets delayed, you will get a new COC from the health insurance company.
Daman Service Centers for Continuity Certificate in UAE
Daman centers issue the certificates to citizens. But from where you can find the information about the center? No worries, here’s the updated content for Daman Service Centers handling applications for Continuity Certificates:
| Daman Service Center | Address | Working Hours |
| Madinat Zayed Branch | Saeed Bin Humaid Complex B3, Opposite Qatar Al Nada School, Al Dhafra | Sunday to Thursday: 08:00 – 16:00 |
| Daman HQ Building | ADNEC area, Abu Dhabi | Sunday to Thursday: 08:00 – 16:00 |
| Mussafah GEB Branch | First Floor, Global Ascent Centre, Next to the SEHA Building, Mussafah, Abu Dhabi | Sunday to Thursday: 08:00 – 16:00 |
| Sharjah Branch | Crystal Plaza, Ground Floor, Buhaira Corniche, Abu Dhabi | Sunday to Thursday: 08:00 – 16:00 |
| Dubai – Sheikh Zayed Road Branch | Capricorn Towers, Sheikh Zayed Road, Abu Dhabi | Sunday to Thursday: 08:00 – 16:00 |
| Daman Central Branch | Airport Road, Opposite Etisalat, Abu Dhabi | Sunday to Thursday: 08:00 – 16:00 |
Do not forget to provide your medical insurance cards and other claim documents when visiting the service centers.
Fee for Certificate of Continuity
The UAE government gives the COC free of cost. All the insurance companies facilitate when any customer requests for it. There is no agency or health insurance company that charges any fee for giving the Certificate of Continuity because it is against the law of the government.
If you visit any health center in a nearby area, check if is it a registered center. If it is, they will not ask for any fee from you. They demand charges for providing a Certificate of Continuity, complain about it. Contact the via the helpline number 02-4493333 of Health Department and complain about the illegal tasks.
Importance of Certificate of Continuity
The Certificate of Continuity is a very important document for the health insurance of your employees. Some advantages are given below:
- The COC helps you to transfer the health insurance of old employees to new employees.
- It is required in many jurisdictions. For example, Abu Dhabi provides a Certificate of Continuity which is a legal requirement for changing health insurance providers when you change jobs.
- It ensures that you can access healthcare services without interruption, as the new insurance company will recognize your prior coverage.
- Employers often require this certificate to comply with local regulations regarding employee health insurance.
- The certificate serves as proof that you were previously insured, which can be important for your new employer and the new insurance company.
- Having a Certificate of Continuity can help avoid waiting periods for pre-existing conditions with the new insurance provider.
FAQs
Conclusion
The Certificate of Continuity (COC) is a vital document for expatriates in Dubai or Abu Dhabi, proving continuous health insurance coverage. It is required by the UAE government after changing jobs and requires updating visa, identity card, or bank account information. To obtain a COC online, visit the Daman Health website or download the Daman Health App.
In person, visit a local branch and present insurance claim cards and identification documents. The certificate is valid for Thiqa, Enhanced, Basic, and Emergency policies and is free of charge. Insurance companies facilitate requests for certificates, and a day’s return or download is available.
