Term Insurance for NRI in UAE

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Term Insurance in UAE
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Term life insurance offers life cover to you safeguarding the financial future of your family in case of your untimely demise. Irrespective of your citizenship, it is necessary for you to purchase term life insurance in the UAE to ensure that your family is not rendered helpless after a mishap. Many companies in the UAE offer term insurance plans for NRI allowing you to create a financial backup for your family.

Best Term Insurance for NRIs in UAE

Here is a list of the best term insurance plans for NRIs in the UAE.

Hemaya Plus – Salama Insurance

Hemaya Plus term plan offered by Salama insurance eliminates the financial risk for the policyholders. With this plan, you can get financial security for your family members in the event of your disability or death. 

Important features of the plan:

  • People between the age of 18 and 74 years can apply for this term insurance plan for NRIs.
  • The minimum payment term for the insurance plan is 2 years.
  • Both individual and corporate clients can buy this term plan.
  • The maximum age of expiry for the term insurance plan is 100 years.
  • The term insurance plan can be operated in AED or USD.
  • The term plan offers a grace period of 90 days.
  • The policyholders can choose to have a contribution payment term that can be less than or equal to the plan term.
  • The regular payment plans for the term plan can enable policyholders to pay monthly, quarterly, half-yearly, or yearly, based on their financial preferences.
  • The term plan offers a free look period of 30 days from the plan issuance date
  • The contribution amount for the term insurance plan is fixed and cannot be changed in the middle of the term.
  • The policyholders can reinstate the term plan within 12 months from the payment date of the last unpaid insurance premium.
  • The policyholders can enjoy additional benefits like accidental death benefit, critical illness benefit, waiver of contribution, disability cover, and more with the term insurance plan.

Pure Protection Term Plan – Noor Takaful

Pure Protection Term Plan is one of the best term plans for NRIs in the UAE. The term insurance plan offers coverage for your family members against the unfortunate event of your demise. 

Important features and benefits of the plan.

  • The term insurance plan offers flexible tenures of 5, 7, 10 or 15 years. The policyholders can choose the term based on their financial preferences.
  • The term plan can be operated in dirhams only.
  • The plan offers a minimum sum assured of AED 100,000 and a maximum sum assured of AED 750,000.
  • The insurance plan offers global coverage and enables policyholders to operate the plan from any location in the world.
  • The policyholders need not go through any medical check-ups to enjoy the benefits of the term plan.
  • The insurance plan offers a grace period of 31 calendar days.
  • The insurance plan comes with both single and annual contribution plans.
  • The term plan offers guaranteed maturity benefits for the policyholders based on the tenure they choose.
  • People between the age of 18 and 60 years can apply for this term insurance plan for NRIs.
  • The maturity age of the insurance plan is 75 years.

International Term Assurance – Zurich International Life Limited

International Term Assurance Plan pays the lump sum cover to the beneficiaries in the event of your sudden death during the policy term. The term plan enables your loved ones to maintain their living standards even if the sole breadwinner of the family is no longer around to provide for them.

Important features and benefits of the plan.

  • The insurance plan offers flexible terms of up to 35 years from the shorter tenure durations.
  • The term plan comes with flexible annual and monthly premium payment terms.
  • The policyholders can also enjoy additional benefits like waiver of premium cover, permanent or total disability cover, insurance coverage for a partner, and more.
  • The buyers can choose their preferred currency to pay for the term plan.
  • The average age of the buyer needs to be 39 years at the time of purchase.

Hemayati Plus – Salama Insurance

This is another excellent term insurance plan offered by Salama Insurance. The term insurance plan offers higher insurance coverage at a reasonable premium amount. You can enjoy various additional benefits such as minimal paperwork, a maturity bonus, and more with the insurance plan.

Important features and benefits of term insurance plan for NRIs in the UAE.

  • People between the age of 18 and 55 years can apply for this term insurance plan for NRIs.
  • The policyholders can get a 100 percent guaranteed maturity bonus if no claims have been made in the entire term.
  • The term plan offers flexible tenures. The policyholders can choose 5, 10, or 15 years of a term based on their preferences.
  • The maximum age of maturity for the term plan is 70 years.
  • The policyholders can continue the term plan from any location throughout the world.
  • The policyholders can choose their preferred term (monthly or yearly) for contribution
  • The premium amount for the term plan depends upon the tenure and age of the policyholder.
  • The plan offers coverage amounts of up to AED 500,000.
  • The insurance plan offers built-in terminal illness benefits.
  • The policyholders can enjoy worldwide coverage with the insurance plan.

Live Life Term Insurance - MetLife

Live Life Term Insurance offers financial coverage for your loved ones in the event of your death or disability. The plan covers different types of critical illnesses that can be added to the plan at an additional cost.

Important features and benefits of the plan:

  • The insurance plan offers flexible terms such as monthly, quarterly, semi-yearly, and yearly to help policyholders easily pay their premiums.
  • The term plan can be operated in multiple currencies including AED, GBP, USD, EUR, and more.
  • The insurance plan offers a maximum and minimum coverage of AED 175 million and AED 600,000 respectively.
  • The insurance policy has over 32 covered critical illnesses including cancer, coronary artery bypass surgery, first heart attack, strokes, major burns, and more.
  • The insurance plan can be renewed every five years.
  • The insurance plan provides policyholders with a Metlife Medical Discount Card to help them enjoy a discount of up to 30 per cent at some selective medical centres.
  • There are no maturity or surrender benefits available in this insurance plan.
  • The insurance plan offers a grace period of 31 calendar days.
  • The policyholders can reinstate the insurance plan within 3 years of the grace period expiration date.
  • The term plan offers a free look period of 30 days from the plan issuance date

NRIs Term Insurance Quotes for NRI in UAE

Term Insurance Plan Life Cover Accident Cover (From Day One) Sickness Cover (From Day One) Price
AXA - Life Protect AED 250,000 AED 250,000 AED 250,000
Takaful Emarat - Fixed term AED 250,000 AED 250,000 AED 250,000
Noor Takaful - Pure Protection AED 250,000 AED 250,000 AED 250,000
National Life AED 350,000 AED 350,000 AED 350,000
Noor TakafulPure Protection Cashback AED 200,000 AED 200,000 AED 200,000

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Document Required to Apply for Term Insurance for NRIs in UAE

Here is a list of the documents required before applying for a term insurance plan for NRIs in the UAE.

  • Emirates ID – Original and a copy
  • A valid Passport with residency visa – Original and a copy
  • Utility Bills for the past three months – Original and copies
  • Salary Slips/Salary Structure/Appointment Letter – for salaried people
  • Trade License – for self-employed people
  • Passport-sized photographs

How to Buy Term Insurance for NRIs in the UAE?

You can follow these simple steps to get an NRI term plan in the UAE.

  • Discover Insurance Needs - You must first discover the type of insurance plan you need in terms of tenure, coverage, add-ons, and more based on your preferences.
  • Visit the Online Portal - Once you have an idea of the features you need in their term plan, you can visit our website and go to the term insurance section to find suitable term insurance plans for NRIs in the UAE.
  • Choose the Insurance Plan - On the website, you can go through the detailed features and benefits of all the shortlisted term plans for NRIs and choose the one that best fits your insurance needs.
  • Provide Your Details - You need to provide their details such as their name, location, age, monthly income, current medical condition, and more in the application form to buy a term insurance plan for NRIs. Make sure you submit the required documents along with the application form to begin with the purchase process.
  • Pay the Premium - Once done, you can go ahead and pay the insurance premium to complete the purchase. Before you pay for the insurance plan, you can also use a term insurance calculator available on our website to get an estimated amount you may need to pay. This helps you make a better financial decision based on your monthly budget requirements.

After paying the premium, you will get the insurance documents sent to your registered email address and the postal address. You can contact our help and support team anytime if you need any further assistance or want to know more about your chosen term plan for NRIs.

Things to Know Before Purchasing Term Life Insurance Plan for NRI in the UAE

  • You should not be younger than 18 years or older than  60 years.
  • 10, 15, 20, 25,  30, 35, and 40 years are the policy terms.
  • Absolute protection from death, irrespective of the reason
  • Policy periods range from ten to forty years 
  • It serves both as primary and supplementary coverage.
  • Documentation that is straightforward
  • Worldwide coverage
  • Benefits of Maturity are Guaranteed
  • Built-in coverage for incurable diseases
  • AED 750000 is the maximum amount that can be insured
  • The basic plan consists of two main components: a five-year renewable term plan and a level term plan.
  • The option of converting a plan to bequest insurance is accessible.
  • Maximum term of 40 years is allowed.

Why should a non-resident Indian acquire life insurance in the UAE?

  • Critical Illness Coverage with a Comprehensive and Straightforward Reach -  Critical illness insurance has a well-defined scope, definition, and restrictions for the convenience of the policyholder. In the UAE, the life insurance policies scheme has efficient plans covering up to 35 critical illnesses.  In an unfortunate incident where the policyholder is diagnosed with any critical illness, the insurance company will offer the monetary benefits settling the claims. ... Besides, Insurance firms such as Zurich International Life provide critical illness coverage up to the age of 74. Although a person can acquire a critical disease during any age, the odds of being seriously sick increase with age. . To ensure that a critical illness does not oust your financial independence at any age, the term life insurance allows you to add cover for critical illness and live tension-free. The insured sum for term life insurance for NRIs in the UAE can go up to USD 2 Million.
  • Timely Payments - Every insurance provider has a comprehensive list of severe diseases covered, as well as clearly written beneficiary descriptions, ranges, and limitations that eliminate ambiguity throughout the application process and during claims processing. The clarity in the contract ensures that the company settles your claims in time. Therefore providers throughout the UAE have always had an excellent track record of settling critical sickness and life insurance requests.
  •  Global Plans - In the UAE, a continuation of insurance whilst moving from one country to another is an important and useful aspect of term plans. Alternatively, that amount of compensation would rise each time the insured had to install a separate policy upon relocating to a new nation, even as the policyholder would indeed be aged then it was before, and or the chance of non-insurability will indeed rise as well. Term insurance plans in the UAE are transferable to other countries. Insurers try to keep the insured for just about any benefits received as a citizen of the UAE all through their journey then after a transfer of residence.
  • To allow your relatives to continue to live as immigrants in the UAE or elsewhere -  This permits youngsters to focus on their studies until they reach a specific age. In the United Arab Emirates, term insurance policies are transferable. Making it simpler to meet financial obligations outside of India, such as; Financing on higher education of your children along with the expenditures for courses even outside India. Allowing you and your family to remain in UAE in the case of a serious sickness, without having to worry regarding making payments such as utility bills, college tuition, medical expenditures, so on and so forth.
  • Plans Denominated in US Dollars - The rising necessity for imported commodities promotes the growth of the US dollar as a unit of account for online transfers, causing the Local currency to depreciate much farther. Most insurance companies issue Term Insurance policies in US Dollars that are an excellent hedge against depreciation towards rupees. Over the last four decades, the overall value of the rupee has indeed been steadily declining, with the rate of depreciation increasing in recent years.

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Consider the following factors while choosing term insurance for NRIs: dependability, claim settlement ratio, riders/additional coverage, policy comparison, and pricing. There are a variety of acceptable term insurance options for NRIs in the United Arab Emirates that provides full satisfaction to the NRIs with   It gives you financial peace of mind, it's a budget-friendly option, benefits from taxes, payouts on time, accessibility, investing in wealth, volatility because everyone's demands are different, a method that works for someone else might not work for you. Evaluate several term insurance policies online and compare their features, benefits, sum assured, and protection to get the best term insurance policy for your needs.

Related Link - 

Life Insurance Plans & Policy for NRIs in UAE - Types, Features, & Benefits
A Comprehensive Guide to Pension Planning for NRIs in UAE
8 Reasons Why NRI Should Buy Life Insurance in UAE?

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