Why is Daman asking for a COC for my wife's health insurance in Abu Dhabi?

It is standard practice across the Abu Dhabi market rather than a quirk invented by Daman. Health insurance is mandatory in Abu Dhabi, and when a member moves between insurers or plans, the new insurer needs evidence that her cover has been continuous. A certificate of continuity from the previous insurer proves exactly that: the dates she was covered and that there was no break. Why it matters: medical underwriting allows an insurer to apply waiting periods or restrictions to a member it treats as new, especially for pre-existing conditions. The COC lets Daman carry over her existing continuity, so anything already covered stays covered without restarting clocks. Without it, the application stalls — which is what you are seeing. What to do: contact her previous insurer (or the employer or sponsor who held that policy) and request the certificate in writing, quoting her policy number, Emirates ID and coverage dates. Insurers issue these routinely and usually without charge. If she was on your group or sponsor policy, the request may need to come from the policyholder. Once submitted, the Daman application should proceed normally. If it stays stuck despite the certificate, a lawyer familiar with Abu Dhabi's health insurance rules can help escalate the matter.