HAYAH Term Insurance

HAYAH, a trusted name in the UAE insurance industry, specialises in offering flexible and reliable term plans. With customisable coverage options and competitive premiums, HAYAH term insurance helps you secure your family’s future without worrying about any financial burdens. 

With HAYAH term policies, you get tailored solutions to meet your needs, whether for income replacement, debt coverage, or long-term financial planning.

What is Hayah Term Insurance?

A term policy is an affordable way to ensure financial security for your loved ones in case of death, critical illness, or disability within a specific period. Unlike permanent life insurance, it provides coverage for a fixed term — with HAYAH, this period ranges from 1 to 35 years.

HAYAH term insurance provides a lump sum to the policyholder’s family in case of death, disability, or critical illness diagnosis. The plan is quite flexible and available at competitive rates, making it easy to protect your family without financial strain. 

Why Should You Buy HAYAH Term Insurance in UAE?

Here are some of the key reasons to buy HAYAH term life insurance —

• Products are regulated and licenced by the Central Bank of UAE 
• It delivers solutions designed specifically for the UAE region
• You can explore the perks of digital life insurance with HAYAH
• So far, more than 150,000 individuals and businesses have been protected
• Customisable term plans
• Easy claim settlement process

Features and Benefits of HAYAH Term Life Protect Insurance in UAE

HAYAH term insurance, available in the form of ‘Term Life Protect’, is available at competitive rates and provides flexible options to secure your family financially for a fixed duration ranging from 1 year to 35 years. 

Find below the key benefits of HAYAH Term Life Protect —

• Coverage against death, disability, and terminal illness
• Flexible premium payment options in USD or AED — annual, monthly, or single premium
• Fixed premium throughout the policy period
• Riders offered under this plan —
  • Free temporary life cover
  • Terminal illness
  • Permanent and total disability
  • Passive war risk
  • Waiver of premium benefit
  • Critical illness benefits that include –

What is Excluded from HAYAH Term Insurance?

Claims related to the following scenarios are not covered under HAYAH term life insurance —

• Death due to wilful or attempted participation in illegal activities or any violations
• Death due to participation in acts of violence, including terrorism
• Active participation in war or warlike operations
• Intentional self-inflicted injury, suicide, and other attempted threats
• Congenital anomalies and conditions
• Loss of life due to flying in any aircraft for aerial navigation (unless specifically mentioned)
• Loss of life due to participation in professional sports
• Loss of life due to substance abuse
• Loss of life because of AIDS (as defined by the WHO)
• Loss of life due to undisclosed critical/terminal illness
• Death due to a terminal illness diagnosed within the last 18 months of the policy tenure
• Individuals working as pilots, professional sport activists, police or defence personnel, or cabin crew

How to File a HAYAH Term Insurance Claim?

Mentioned below are the steps to file a HAYAH term insurance claim in UAE —

• Connect with HAYAH Insurance company via –

1. Email – contact@hayah.com
2. Telephone – +971 4 4293914
3. Courier – HAYAH Insurance Company P.J.S.C, P.O. Box 32505, Dubai, UAE

• Intimate the company about the loss within 365 days of the days of occurrence. Provide sufficient information and evidence to file the claim and identify the life assured
• Provide the required documents as per the claim you file —

Death Due to Any Cause

• Filled-in death claim form
• Original death certificate mentioning the cause
• Death notification
• Copy of Emirates ID or passport with residence visa page of the deceased
• Copy of Emirates ID or passport with the residence visa page of the beneficiary 

For Terminal Illness

• Terminal illness claim form
• Document from a physician stating the detailed diagnosis and the cause of terminal illness, and the confirmation that the life assured has a life expectancy of 12 months or less from the date of claiming Terminal Illness benefit
• If the terminal illness was confirmed overseas, original certified copy of the medical report attested by the relevant embassy present in the resident country or another medical report from the residence country
• Copy of Emirates ID or passport with residence visa page

For Permanent Total Disability 

• Disability claim form
• Disability claim from physician (mention the degree of disability)
• For proof of ‘Permanent Disability’, present a medical report or disability certificate from an authorised physician or a medical report authorised by the medical board to assess disability after 12 months from the date of disability 
• If the disability is confirmed overseas, the relevant embassy in UAE needs to provide an attested disability certificate
• Emirates ID or passport with residence visa page

For Critical Illness

• Critical illness form
• Medical/hospitalisation report from a licenced medical practitioner detailing the diagnosis of the critical illness (date when the ailment occurred)
• Confidential medical questionnaire 
• If the critical illness is confirmed overseas, the relevant embassy in UAE needs to provide an attested medical report
• Emirates ID or passport with the residence visa page of the claimant 
• The claim will be assessed and paid after the company is satisfied with the documents provided

If you buy term insurance from Policybazaarinsurance.ae, our designated team will assist you with the claim settlement process. 

Where to Buy HAYAH Term Insurance in UAE?

Policybazaarinsurance.ae is the leading digital platform in the UAE for buying term insurance. It offers a wide range of plans from top providers like Hayah Insurance. The website is user-friendly, allowing you to apply for a HAYAH term life plan in just a few steps. 

Frequently Asked Questions