Hayah Life Insurance: Compare Plans, Premiums and Benefits

With a proven track record of supporting over 150,000 individuals and businesses, the company is dedicated to bringing tailored insurance solutions to you.

Don’t wait for uncertainties to impact your life — you can choose one of HAYAH’s life insurance plans today and take proactive steps toward protecting your loved ones and your financial well-being.

Best Term Insurance Plans in UAE

Some of the best Term Insurance quotes in UAE & Dubai are:

Policy Term

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Payment Frequency

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Benefits of Buying HAYAH Life Insurance

Choosing HAYAH life insurance UAE means enjoying a range of benefits designed to meet your diverse needs and support your financial goals.

Here’s why HAYAH life insurance plans stand out —

Locally Designed Solutions: The insurance solutions are crafted with a deep understanding of regional needs, ensuring they align with the unique requirements of individuals in the UAE.
Comprehensive Coverage: HAYAH offers End-of-Service Benefits as well as plans related to pension, life insurance, and health insurance. This comprehensive suite ensures you have a safety net for various aspects of your financial well-being.
Important: In terms of life insurance, you can get high coverage of up to USD 50,000,000.
User-Friendly Digital Experience: The company is particularly known for its digital insurance. Its online platform simplifies managing your insurance and savings — you can access and organise your financial details from any device.
Round-the-Clock Customer Care: Enjoy peace of mind with the dedicated customer care services available 24*7, ready to assist you whenever you need.
Customisable Products: HAYAH life insurance products can be customised to fit your specific needs. This offers flexibility to adapt to your evolving financial situation.
Tailored Financial Advice: For any doubts or queries, you can easily seek tailored advice. This ensures that you make informed decisions about your insurance and savings.
Convenient App Access: Access all HAYAH plans directly from their app, simplifying the process of managing your policies and staying informed.

HAYAH Life Insurance UAE Policies

HAYAH offers a diverse range of life insurance plans designed to meet your unique needs, goals, and budget —

Term Life Insurance	Loan Protect
HAYAH term life insurance is an affordable way to protect your loved ones financially if you pass away, face a critical illness, or become disabled during a specific period. This term can range from 1 to 35 years. The plan provides coverage for this set duration, making it a straightforward option to secure your family’s financial future. With HAYAH’s personalised plans and competitive rates, you can easily obtain the protection your family needs without overspending.	Loan protection life insurance secures your outstanding loans, like a mortgage, car loan, or personal loan, in case of critical illness, disability, or death. With HAYAH’s affordable and digital-first solutions, you can protect your loved ones from loan burdens and ensure business continuity. With competitive rates, flexible premium options, and a fully digital process, this option makes it simple to safeguard your financial future.

Term Life Insurance

Loan Protect

HAYAH term life insurance is an affordable way to protect your loved ones financially if you pass away, face a critical illness, or become disabled during a specific period. This term can range from 1 to 35 years. The plan provides coverage for this set duration, making it a straightforward option to secure your family’s financial future. With HAYAH’s personalised plans and competitive rates, you can easily obtain the protection your family needs without overspending.

Loan protection life insurance secures your outstanding loans, like a mortgage, car loan, or personal loan, in case of critical illness, disability, or death. With HAYAH’s affordable and digital-first solutions, you can protect your loved ones from loan burdens and ensure business continuity. With competitive rates, flexible premium options, and a fully digital process, this option makes it simple to safeguard your financial future.

Features of HAYAH Life Insurance Policies

Each HAYAH life insurance policy offers exclusive benefits —

Feature	Term Life Insurance	Simple Life Insurance
Coverage	Covers loss of life, disability, and terminal illness for 1 to 35 years	Includes natural loss of life, accidental loss of life, and accidental loss of life in a common carrier
Coverage Amount of up to	USD 50 million	USD 50 million
Premiums	Pay in AED or USD with options for monthly, annual, or one-time payments	Payable in AED or USD with monthly, annual, or single payment options
Changes in Premiums (if any)	None — same premiums throughout the policy term	Premiums remain unchanged during the policy term
Free Temporary Cover	Starts from the moment you fill out the application until the policy is issued	Free temporary life cover from application submission until policy issuance
HAYAH’s Priority Screening	Yes	Yes

Exclusions of HAYAH Life Insurance Plan

When reviewing life insurance policies, it's important to be aware of exclusions that might affect your coverage. Here are some common exclusions, i.e. scenarios where the HAYAH life insurance plan doesn’t provide coverage —

Suicide Within the First Two Years

If the insured dies by suicide within the first two years of the policy, the death benefit won’t be paid out.

Participation in Hazardous Activities

Deaths resulting from activities considered hazardous or high-risk (such as extreme sports or certain occupations) are not covered under HAYAH life insurance UAE.

Criminal Activities

Death that occurs while engaging in illegal or criminal activities is not covered.

Pre-Existing Conditions

If the insured had pre-existing medical conditions that were not disclosed at the time of policy issuance, the death benefit is not paid out after demise.

Eligibility Criteria to Buy HAYAH Life Insurance Policy

Here are the eligibility criteria to get a HAYAH term life insurance policy —

Criteria	Term Life Insurance	Loan Protect
Residency	Must be a UAE resident at entry	Must be a UAE resident at entry
Minimum Age at Entry	18 years (for all benefits)	18 years
Maximum Age at Entry	- Death & Terminal Illness: 74 years - Disability: 65 years - Critical Illness: 59 years	79 years
Maximum Age at Coverage	- Death & Terminal Illness: 79 years - Disability: 70 years - Critical Illness: 65 years	Not specified

How to File a Claim for HAYAH Life Insurance?

Getting a HAYAH life insurance settlement is quick and digital. Here’s how you can file the claim in 5 easy steps —

Go to HAYAH life insurance login
Scroll down the page and hit the ‘Claim’ button.
Fill out the form with all the required details.
Press the ‘Submit Claim’ button to send your request.
A representative from the HAYAH team will reach out to you regarding your claim.

Note: Please be aware that the process may vary depending on the specific HAYAH Insurance UAE plan you have opted for.

How to Buy a HAYAH Life Insurance Policy?

Buying a HAYAH life insurance policy through Policybazaar.ae is simple and hassle-free. Just follow these 5 quick steps —

On the website go to Term & Investment → HAYAH life insurance UAE
Fill out the online form with all the required details
Browse and select the HAYAH life policy that best suits your needs
Check the pricing, enter the relevant details, and proceed
One of our representatives will contact you to guide you through the next steps

The experts of Policybazaar.ae will guide you through the entire claim process with ease and help you get the right coverage as per your needs. Our strong relationships with insurers ensure smooth support when you need it most.

Documents for HAYAH Term Life Insurance Claim

Find below the documents required to file a HAYAH life insurance claim in case of death —

Death certificate copy
Filled out claim form
Original policy document
Identity proof (for the beneficiary)

For terminal illness claims, the following documents are usually required —

Filled out claim form
Identity proof — required for both the insured and the beneficiary
Medical reports

Frequently Asked Questions

Yes, HAYAH Insurance is a well-regulated insurance provider in the UAE. It is listed on the Abu Dhabi Stock Exchange and overseen by the Central Bank of the UAE and the Securities and Commodities Authority (SCA).

Once HAYAH approves your valid life insurance claim, you will get the payment via bank transfer within 5 working days.

Choosing the right policy depends on your personal needs and financial goals. If you want affordable, temporary protection, a term life insurance plan is ideal. Start by assessing your financial commitments (like loans, dependents, and retirement planning) to decide which plan suits you.

Typical exclusions of HAYAH life insurance Dubai include suicide (first 2 years), death from risky activities, criminal acts, or undisclosed pre-existing conditions.

Yes, but it depends on your disclosures and medical underwriting. You may face higher premiums, limited cover, or, in rare cases, rejection.

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