HAYAH Life Insurance: Plans, Benefits, Coverage & How to Buy (2026 Guide)
Formerly known as AXA Green Crescent Insurance, HAYAH Insurance Company PJSC is licensed by the Central Bank of the UAE (CBUAE) and listed on the Abu Dhabi Securities Exchange (ADX). Today, it covers more than 150,000 individuals and businesses across the UAE with life, health, employee benefits, and savings solutions.read more
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Best Term Insurance Plans in UAE
Some of the best Term Insurance quotes in UAE & Dubai are:
HAYAH Life Insurance Plans
Unlike legacy providers with lengthy manual paperwork, HAYAH operates entirely via a secure digital framework. You can buy, track, and manage your policy through your smartphone.
|
Product |
Plan Type |
Entry Price (Starting) |
Standout Feature |
Maximum Payout / Face Value |
|---|---|---|---|---|
|
Term Life Protect |
Pure Term Protection |
Varies by age & cover |
Custom lengths (1–35 years) Includes critical illness and disability options |
Up to USD 50,000,000 |
|
Loan Protect |
Mortgage & Debt Cover |
Varies by loan balance |
Decreasing term structure to match your outstanding loan balance perfectly |
Up to USD 50,000,000 |
Detailed Overview of 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 |
|---|---|
|
|
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 |
HAYAH Term Life Protect |
HAYAH Loan Protect |
|---|---|---|
|
Coverage |
Death, terminal illness, and disability |
Death, terminal illness, and disability affecting eligible outstanding loans |
|
Policy Term |
1–35 years |
Up to 35 years |
|
Maximum Coverage |
Up to USD 50 million |
Up to USD 50 million |
|
Eligible Loans Covered |
Not applicable |
Mortgage, car loans, and eligible personal loans |
|
Premium Currency |
AED or USD |
AED or USD |
|
Premium Payment Options |
Monthly, annual, or single premium |
Monthly, annual, or single premium |
|
Premiums |
Fixed throughout the policy term |
Fixed throughout the policy term |
|
Temporary Life Cover |
Yes, from application until policy issuance (subject to terms) |
Yes, from application until policy issuance (subject to terms) |
|
Priority Screening |
Included |
Included |
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.
Who Should Buy HAYAH Life Insurance?
HAYAH offers different plans for different financial goals. It can be a suitable option if you are:
- A working professional looking to financially protect your family
- A parent planning for your children's future
- A homeowner with a mortgage
- A business owner protecting financial liabilities
- A UAE expat supporting dependents in another country
- Someone looking for affordable digital life insurance
- An individual seeking loan protection insurance
What Does HAYAH Life Insurance Cover?
The coverage depends on the policy you choose. However, most HAYAH insurance plans financially protect against life's major uncertainties.
- Death due to natural causes
- Accidental death
- Terminal illness
- Permanent disability
- Critical illness (selected plans)
- Outstanding loan repayment under Loan Protect
- Temporary life cover while your application is being processed
- Spouse cover under eligible policies
Good to Know: The exact benefits, waiting periods, and coverage limits vary by policy. Always review the policy wording before purchasing.
What is Not Covered Under HAYAH Insurance UAE?
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.
Optional Riders To Enhance Your HAYAH Insurance Coverage
Many life insurance buyers need more than just a death benefit. Depending on the plan, HAYAH may offer optional riders for additional coverage.
|
Rider |
Benefit |
|---|---|
|
Critical Illness Rider |
Pays a lump sum if you're diagnosed with a covered critical illness |
|
Accidental Death Benefit |
Provides an additional payout in case of accidental death |
|
Permanent Disability Benefit |
Offers financial support if you become permanently disabled |
|
Waiver of Premium |
Future premiums may be waived after certain covered events |
|
Loan Protection Benefit |
Helps repay eligible outstanding loans |
Rider availability depends on the selected plan and underwriting.
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 —
- Completed claim form
- Death certificate (for death claims)
- Original policy document (if required)
- Emirates ID or passport of the beneficiary
- Any additional documents requested by HAYAH
Once the documents are verified and the claim is approved, the insurer processes the claim according to the policy terms.
Tip: Keep your policy documents and nominee details updated so your family can make a claim more easily if needed.
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 —
- Fill in a few basic details such as your age, income, occupation, and the coverage amount you're looking for
- 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
HAYAH Insurance Reviews UAE: Is It Right for You?
Many people searching online look for HAYAH insurance reviews before buying a policy.
HAYAH is recognised for its digital-first approach, flexible life insurance solutions, and straightforward online buying process. Customers particularly value:
- Easy online application and payment process
- Affordable plans
- High life cover of up to USD 50 million (depending on the plan)
- Easy online access to manage your policy anytime
Like any insurer, user experiences can vary depending on the policy purchased, underwriting requirements, and claim circumstances. It's always a good idea to compare policy features, exclusions, and benefits before making your decision.
HAYAH Insurance vs Other Leading UAE Life Insurers
Before buying life insurance, it's good to compare companies to find the policy that best matches your needs.
|
Feature |
HAYAH |
Zurich International |
MetLife |
Sukoon Insurance |
|---|---|---|---|---|
|
Term Life Insurance |
✓ |
✓ |
✓ |
✓ |
|
Loan Protection |
✓ |
✓ |
✓ |
✓ |
|
Savings Plans |
✓ |
✓ |
✓ |
Limited |
|
Digital Purchase |
✓ |
Partial |
Partial |
Partial |
|
Cover up to USD 50 Million |
✓ |
Selected Plans |
Selected Plans |
Depends on Policy |
|
AED Premium Payment |
✓ |
✓ |
✓ |
✓ |
|
Fixed Premium Options |
✓ |
✓ |
✓ |
✓ |
Tip: Instead of choosing an insurer based only on premiums, compare coverage, exclusions, riders, claim support, and flexibility to find the plan that best fits your financial goals.
Why Buy HAYAH Life Insurance Through Policybazaar.ae?
Buying directly from an insurer limits you to one provider. With Policybazaar.ae, you can compare multiple life insurance plans in one place and make a more informed decision.
When you buy through Policybazaar.ae, you can:
- Compare HAYAH with other top life insurance companies in the UAE
- Get expert help to choose the right life insurance plan
- Easily compare premiums, features, and benefits
- Receive assistance with paperwork and policy purchase
- Get support from buying your policy to making a claim
Expert Tip: Before purchasing any life insurance policy, compare not only the premium but also the coverage amount, policy term, riders, exclusions, and claim process. A slightly higher premium may offer significantly better long-term protection.
Things UAE Residents Should Know Before Buying HAYAH Life Insurance
Can I Keep My HAYAH Life Insurance If I Leave the UAE?
Yes, in many cases you can continue your HAYAH life insurance even if you move out of the UAE, as long as your policy allows it.
- Continue paying your premiums on time (in AED or USD, depending on your policy)
- Inform HAYAH about your new country of residence
- Check the policy terms to understand whether any conditions apply after relocation
This is especially helpful for expats who may return to their home country or relocate for work.
Does HAYAH Cover Death Due to War?
Some HAYAH life insurance plans include Passive War Risk Cover. This means your family may still receive the life insurance payout if you are an innocent civilian who loses their life due to a war or conflict. However, the exact coverage depends on your policy's terms and conditions.
Always read the policy document or confirm this benefit with the insurer before buying the plan.
Frequently Asked Questions
Is HAYAH insurance legit?
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).
When will you receive your claim payment for HAYAH life insurance?
Once HAYAH approves your valid life insurance claim, you will get the payment via bank transfer within 5 working days.
How do I choose the right HAYAH life insurance policy?
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.
What are some common exclusions in life insurance policies?
Typical exclusions of HAYAH life insurance Dubai include suicide (first 2 years), death from risky activities, criminal acts, or undisclosed pre-existing conditions.
Am I still eligible for coverage if I have serious health 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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