Watania Takaful Term Insurance

The Pure Protection (Term Insurance) Plan provides the benefit of protecting the dreams and well-being of the certificate holder’s (policyholder’s) family in case of the former’s unexpected death.

Written By

Aashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)

Reviewed By

Atul KathuriaBusiness Head – Term & Investment | Policybazaar.ae

Last updated on 20 March 2025Editorial Standards

Best Watania Term Insurance Plans

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

Policy Term

Age

Cover

Payment Frequency

YearlyMonthly

98.1% Claim Settlement Ratio

Term Life Protect

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage
Medical Checkup Not Required
Worldwide Coverage

95% Claim Settlement Ratio

Term Life

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Life Cover
Entry Age

98% Claim Settlement Ratio

International Term Assurance

Life Cover (AED)1,000,000

Policy Term (Years)10

Passive War Cover
Pre Existing Disease Coverage: Subject to Approval*
Medical Checkup Not Required
Worldwide Coverage
Critical Illness Cover

98% Claim Settlement Ratio

Live Life Now

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage

98% Claim Settlement Ratio

Critical Illness Protection

Life Cover (AED)1,000,000

Policy Term (Years)10

Worldwide Coverage
Cancer Cover

This economical Watania Takaful (Previously Watania Takaful) term insurance plan offers coverage for a duration selected by the certificate holder him/herself, on the condition that he/she pays all the contributions.

This Takaful (insurance) plan is suitable for various short-term objectives such as providing financial coverage in the event of the certificate holder’s untimely death.

The table below shows the highlights of the Watania takaful term life insurance plan.

Conditions	Limits
Plan Tenure	5 to 40 years
Plan Currency	UAE dhirams
Minimum Sum Covered	AED 100,000
Maximum Sum Covered	AED 750,000

Key Features and Benefits of Watania Takaful Pure Protection (Term Insurance) Plan

The Pure Protection (Term Insurance) Plan provided by Watania Takaful comes with a wide range of benefits and features that make it popular amongst applicants.

Portability

The certificate holder can enjoy mental peace as he/she is covered globally with the Watania takaful term insurance policy.

No Medicals

The certificate holder can enjoy the benefits of this term plan without undergoing a medical check-up.

Contribution Options

Watania Takaful Pure Protection (Term Insurance) Plan offers two options - Annual contribution and Single contribution.

Grace Period

The grace period on this Takaful certificate is 31 calendar days from the previous contribution due date.

Paid-up Plan

If the contribution is not paid within the determined grace period, the plan is converted to a paid-up plan without Takaful benefits payable. However, an early surrender amount will be paid, if eligible.

Maturity Benefits

The company offers a fixed amount of cashback at the time of maturity, based on the tenure of the Watania Takaful term life insurance plan.

Eligibility for Watania Pure Protection Plan

The table below shows eligibility requirements for the Pure Protection (Term Insurance) Plan.

Eligibility	Details
Minimum Entry Age	18 years
Maximum Entry Age	60 years
Maturity Age	75 years
Nationality	Residents with any nationality having a valid UAE residence visa

Watania Takaful Pure Protection Plan Inclusions

The following table shows the inclusions of the Pure Protection (Term Insurance) Plan.

Inclusions	Details
Death Benefit	Coverage for death due to any cause except suicide (suicide is excluded for the first 12 months)
Maturity	Fixed cashback based on the Takaful certificate tenure
Terminal Illness	20% of the sum insured, up to AED 150,000
Repatriation Benefit	AED 5,000

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What are the Main Riders for the Watania Takaful Term Plan?

In addition to the plan, you can buy any one of the following riders to make your Watania Takaful term plan more comprehensive -

Permanent total disability (in case of accident or sickness)
Passive war risk
Critical illness (upon diagnosis)*

*Note - Critical Illness is one of the most bought riders. The maximum age at entry is 60 years while the maximum age of maturity is 65 years. The sum assured for this rider is up to 50% of the death benefit and the maximum tenure of this rider is 15 years.

Why Choose Watania Takaful Pure Protection (Term Insurance) Plan?

As a Shari’ah-compliant full-service Takaful company, Watania Takaful is dedicated to offering responsible and ethical Takaful solutions to its customers. These services are tailor-made to suit their particular personal and business requirements.

With its Pure Protection (Term Insurance) Plan, it gives the certificate holder an opportunity to secure the dreams of his/her family and provide them with financial security for when the certificate holder is not around. This economical plan can be used to cover financial payments of various kinds.

Claim Process for the Watania Takaful Pure Protection (Term Insurance) Plan

The claim process for a Watania takaful term insurance plan is easy and convenient. It can be done in 3 simple steps.

The first step includes contacting the company, which can be done using the contact details mentioned below. An executive from the company will assist the beneficiary of the Takaful certificate with the entire process.
The next step is submitting the required documents and evidence along with a duly filled application form.
The final step in the claim process involves reviewing and processing. The company will review the documents and the form. Upon successful verification, the claim will be processed.

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The policyholder or applicant can contact the company through its customer care number 600 50 50 57, through WhatsApp on +971 50 803 7147, or through e-mail on info@watania.ae.

Faq's On Watania Takaful Pure Protection Cashback Plan

You will have to submit a duly filled application form, a copy of your passport along with the visa page, and your Emirates ID along with originally sighted initials.

If you fail to pay the contribution amount in the grace period, the Watania takaful term insurance policy will be converted into a paid-up plan without any Takaful benefits payable. But, the early surrender value would be paid, if eligible.

No, you do not have to undergo any medical check-up to obtain a Watania Takaful Pure Protection (Term Insurance) Plan. However, a health declaration - contained in the proposal form - has to be signed.

The terminal illness benefit pays 20% of the sum cover (up to AED 150,000) if the certificate holder is diagnosed with a terminal illness. Terminal illness is a disease that cannot be cured entirely and will most likely result in the demise of the certificate holder within 12 months from the date of diagnosis.

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Reviews & Ratings

★★★★★4.7 / 5

(based on 45,327 reviews)

Miquel Servera MartorellAbu Dhabi, 9 October 2026

★★★★★

Good explanation from advisorI was confused between life insurance and term insurance. The PB UAE advisor explained difference very simple way and helped compare few options. Finally went with a plan that fit my budget. Good experience overall.

Elena LogvinaAbu Dhabi, 5 October 2026

★★★★★

Protection With Disability CoverWanted a term plan that also gave some protection in case of accidental disability. The Policybazaar advisor explained the available add-on options and helped me choose a plan according to my needs.

Firoz KachwalaAbu Dhabi, 2 October 2026

★★★★★

HAYAH Term InsuranceTook a HAYAH term life insurance plan after comparing few options on Policybazaar.ae. The application was quite easy and the advisor was available when I had questions. Good experience overall.

Raquel MattilaAbu Dhabi, 30 September 2026

★★★★★

Good Option for Family ProtectionWith kids and a home loan in Dubai, I wanted proper life cover. I compared a few term insurance plans on PB.ae selected one based on my requirements. Support team was responsive.

Nadia JavedAbu Dhabi, 28 September 2026

★★★★★

Helped Me Understand the PolicyInsurance terms can be confusing but the advisor explained everything in simple way, especially exclusions and claim process. I finally purchased a term plan from a UAE insurer.

Ali Essa AliAbu Dhabi, 25 September 2026

★★★★★

Bought MetLife term planI purchased MetLife term life insurance plan through Policybazaar.ae. The main reason was family protection and getting decent cover with out paying very premium. The advisor was helpful during the process.