800 800 001
Which is Better: Zurich or HAYAH Insurance UAE
When comparing life insurance in the UAE, Zurich and HAYAH Insurance are two of the most searched and trusted names. Both offer life insurance, protection benefits, and digital-first services, but their approaches, pricing, investment structures, and target audiences differ significantly. Here’s a ...read more
35+ Critical Illnesses
Issuance
Coverage
4.6/5
31,857
ReviewsInsurance Partners
Trusted Customers
Policies Sold
Qualified Policybazaar expert will assist you Quick Overview: HAYAH Insurance vs Zurich Insurance
The table below will help you easily compare HAYAH and Zurich life insurance UAE —
| Feature | HAYAH Insurance | Zurich Insurance UAE |
|---|---|---|
| Regulation | CBUAE + SCA | DFSA + UAE Central Bank |
| Reputation | UAE-based, digital-first insurer | Global insurer with 150+ years of legacy |
| Core Focus | Affordable digital life & health protection | Strong life, term & critical illness protection |
| Coverage Duration | 1–35 years | 5–35 years |
| Best For | UAE residents wanting easy, digital, affordable coverage | Individuals wanting global-standard protection |
| Maximum Coverage | Up to USD 50 million | Up to AED 1 million (digital), higher with underwriting |
| Claim Settlement | Fast digital claims | 98% claims paid globally |
| Purchase Mode | Fully digital | Digital + advisor |
| Premium Style | Lower and affordable | Higher but comprehensive |
| Medical Tests | Not always required | Often not required (digital plans) |
| Extra Benefits | Child CI, funeral cover | Temporary cover, Priority Screening |
Buy Best Life Insurance Plan in UAE
Some of the best Term Insurance quotes in UAE & Dubai are:
Product Range: HAYAH vs Zurich Insurance Comparison UAE
HAYAH Life Insurance UAE: What You Get
HAYAH is a digital-first, UAE-built insurance provider offering a wide range of solutions for residents looking for affordable, easy and customisable term insurance. It focuses on simplicity, affordability, and regional relevance. Everything, from application to claim, can be done digitally.
Their major plans include —
- Term Life Protect (1–35 years)
- Loan Protect (mortgage/car/personal loan coverage)
- Simple Life (starts at AED 7/month, no medical tests)
Zurich Life Insurance UAE: What You Get
Zurich is known for comprehensive protection, flexible riders, and strong underwriting. It stands out for people who want deep protection + international-grade financial security. Their solutions include —
- International Term Assurance (ITA)
- International Decreasing Term Assurance (IDTA)
- Critical Illness Protection (34 illnesses)
- YourLife & YourCare (digital protection plans)
- Joint life policy options
- Benefit upgrades, children's cover & funeral benefits
Who wins this category?
➡️ Tie: Zurich wins for global legacy, HAYAH wins for UAE-focused digital solutions.
Zurich vs HAYAH Insurance UAE Coverage
|
Protection Type |
HAYAH Insurance |
Zurich Insurance UAE |
|---|---|---|
|
Life Insurance |
✔ High cover up to USD 50M |
✔ Strong life insurance + joint life |
|
Critical Illness |
Included in selected plans |
✔ 34+ conditions |
|
Disability Protection |
Included in Term Life |
Available as a rider |
|
Health Insurance |
DHA-approved Health Protect |
Not a main product |
|
Loan Protection |
Comprehensive Loan Protect |
Via IDTA |
|
Children Cover |
Not standard |
Included (USD 15,000) |
|
Funeral Benefit |
Not available |
Included (USD 5,000) |
HAYAH vs Zurich Premiums and Benefits
Premiums, Fees & Charges
|
Category |
HAYAH Insurance |
Zurich Insurance UAE |
|---|---|---|
|
Premium Level |
Low to Medium |
Medium to High |
|
Pricing Structure |
Digital-first model → lower operational costs |
Based on medicals, health, lifestyle and underwriting |
|
Best For |
Budget-friendly UAE residents looking for affordable long-term savings |
Expats need stronger global protection and comprehensive benefits |
|
Premium Type |
Fixed |
Fixed |
|
Medical Screening Cost |
Free |
Free |
|
Admin / Setup Fees |
None |
Included within the premium |
|
Add-ons / Riders |
Available at extra cost |
Available at extra cost |
|
Child Cover |
Not available |
Included |
|
Funeral Benefit |
Not available |
Included |
|
Cancellation Charges |
No charges after the cooling-off period |
Refund varies by specific plan |
Benefits
|
Benefits Category |
HAYAH Insurance |
Zurich Insurance UAE |
|---|---|---|
|
Affordability |
From AED 7/month |
Moderate premiums |
|
Digital Experience |
100% digital onboarding & claims |
Digital for YourLife & YourCare |
|
Medical Screening |
Priority Screening |
Free medical tests |
|
Protection Benefits |
Life, TPD, terminal illness |
Life, CI, TPD (riders), child cover |
|
Health Benefits |
DHA Health Protect |
Not included |
|
Premium Stability |
Fixed premiums |
Fixed premiums |
HAYAH Insurance vs Zurich Insurance Features
|
Feature Category |
HAYAH Insurance |
Zurich Insurance UAE |
|---|---|---|
|
Medical Tests |
Often not required |
Not required for YourLife < AED 1M |
|
Child Cover |
Not included |
Included |
|
Funeral Benefit |
Not included |
Included (USD 5,000) |
|
Joint Life Policy |
Not available |
Yes |
|
Digital Experience |
Fully online |
Hybrid digital + advisor |
Inclusions and Exclusions of Zurich vs HAYAH Insurance UAE
|
Coverage Type |
HAYAH |
Zurich |
|---|---|---|
|
Death Benefit |
✔ Yes |
✔ Yes |
|
Terminal Illness |
✔ Yes |
✔ Yes |
|
Total & Permanent Disability |
✔ Included |
Optional rider |
|
Critical Illness |
Limited |
✔ 34+ conditions |
|
Child Cover |
✘ No |
✔ Included |
|
Funeral Benefit |
✘ No |
✔ USD 5,000 |
|
Loan Protection |
✔ Available |
✔ Available |
|
Health Insurance |
✔ DHA Health Protect |
✘ No |
|
Global Coverage |
✔ Worldwide |
✔ Worldwide |
Exclusions: Zurich vs HAYAH
|
Exclusion |
HAYAH Insurance |
Zurich Insurance |
|---|---|---|
|
Suicide |
Excluded 2 yrs |
Excluded 12 months |
|
Pre-existing Conditions |
Excluded |
Excluded |
|
War / Terrorism |
Policy-specific |
Plan-specific |
|
Illegal Activities |
Excluded |
Excluded |
|
Hazardous Activities |
Excluded if undisclosed |
Excluded if undisclosed |
|
Self-inflicted Injuries |
Excluded |
Excluded |
|
Non-payment of Premiums |
Policy lapse → no claim |
Policy lapse → no claim |
|
Waiting Period (CI) |
Not applicable |
CI waiting periods apply |
|
Active Military Duty |
Excluded |
Excluded in some plans |
Which is Better: Zurich or HAYAH Insurance UAE?
Choosing between Zurich vs HAYAH Insurance UAE depends entirely on your budget, lifestyle, and coverage expectations.
Choose Zurich if you want:
- Comprehensive critical illness protection
- Strong global insurer brand
- High-value term cover with detailed medical underwriting
- Joint coverage options for couples
- A long-term plan backed by global claims history
Choose HAYAH Insurance UAE if you want:
- Affordable premiums
- Simple, quick digital insurance
- Coverage without medical tests
- Health insurance for pre-existing conditions
- Term life cover up to USD 50 million
- UAE-specific benefits like temporary cover, Priority Screening
How to Apply for a Claim: HAYAH vs Zurich Insurance UAE?
|
Feature / Support Option |
HAYAH Insurance |
Zurich Insurance |
|---|---|---|
|
Claims Process Overview |
Users can submit an enquiry, claim, or complaint by selecting the relevant option and completing an online form |
Zurich highlights empathy, stating they aim to make the claims process simple during difficult times. First step: inform them and provide a policy number |
|
Primary Claim Submission Method |
Online form via “Enquiry/Claim/Complaint” portal |
Inform Zurich directly through their “Make a Claim” page or by contacting customer support |
|
Email – General Enquiries |
contact@hayah.com – For all questions related to products, services, and support |
benefit.claims@zurich.com for general enquiries in the claims section |
|
Phone – National Callers |
800 HAYAH (800 42924) |
+971 4 363 4567 |
|
Phone – International Callers |
+971 800 42924 |
+44 1624 691 111 |
Final Verdict: HAYAH Insurance vs Zurich Insurance UAE
If you prioritise affordability, convenience, and a strong digital experience → HAYAH Insurance is the better choice.
If you want global-level underwriting, deep critical illness protection, and long-term stability → Zurich Insurance UAE is the stronger option.
Both are excellent insurers, but they serve different needs. Hence, it’s always best to consider your preferences, budget, and coverage required before purchasing.
FAQs for Zurich vs HAYAH Insurance
Which is better: HAYAH or Zurich Insurance in the UAE?
Both are strong insurers but serve different needs. HAYAH is better for affordable, digital-first life insurance with simple coverage, while Zurich is better for comprehensive life and critical illness protection with global underwriting.
What is the main difference between HAYAH Insurance and Zurich Insurance UAE?
HAYAH focuses on low-cost, digital term life and health protection for UAE residents, whereas Zurich offers deeper, global-standard coverage with strong critical illness, child cover, and funeral benefits.
Are Zurich life insurance premiums higher than HAYAH?
Zurich premiums are generally medium to high due to detailed medical underwriting and extensive benefits. HAYAH premiums are more affordable because they are digital-first with lower overhead.
Does HAYAH offer critical illness coverage like Zurich?
HAYAH offers limited CI depending on the plan. Zurich provides comprehensive CI cover for 34+ illnesses, making it stronger in this category.
Is HAYAH Insurance regulated in the UAE?
HAYAH is fully regulated by the Central Bank of the UAE (CBUAE) and the Securities & Commodities Authority (SCA).
Does Zurich offer fully digital life insurance like HAYAH?
Zurich offers digital onboarding for YourLife and YourCare plans, but it is not 100% digital. HAYAH provides full digital onboarding and claims.
Which insurer offers higher coverage: HAYAH or Zurich?
HAYAH offers up to USD 50 million in life cover, while Zurich offers AED 1 million digitally, and higher amounts through full underwriting.
Is Zurich or HAYAH better for families in the UAE?
Zurich is better for families due to child cover, funeral benefits, critical illness, and joint life options. HAYAH suits individuals looking for low-cost, simple online protection.
Does Zurich or HAYAH include funeral or child benefits?
Zurich includes both funeral benefits and child cover. HAYAH does not include these benefits.
Does Zurich offer health insurance like HAYAH’s Health Protect?
No. Zurich focuses on life and critical illness insurance. HAYAH offers DHA-regulated health insurance through Health Protect.
What are the exclusions in Zurich vs HAYAH Insurance UAE?
Both exclude suicide (initial period), non-disclosure, illegal activities, and war-related causes. Zurich has a 12-month suicide exclusion, while HAYAH has a 2-year exclusion.
Can I buy HAYAH or Zurich insurance without medical tests?
HAYAH often does not require medical tests for lower covers. Zurich’s digital YourLife plan also does not require tests up to AED 1M.
Which insurer has a better claim settlement record in the UAE?
Zurich has a global reputation with 98% claims paid. HAYAH offers fast digital claim settlement, optimised for UAE residents.
Is Zurich better for expats compared to HAYAH?
Yes. Zurich’s deep critical illness cover, international coverage, and global legacy make it suitable for expats seeking long-term protection.
Know More About Other Investment Option
More From Term Insurance
- Recent Articles
- Popular Articles
Last Updated : 11 Dec 2025Mandatory Mortgage Life Insurance in UAE: Cost, RequirementsBuying a property in the UAE? Mortgage life insurance is mandatory. Learn how it works, eligibility, cost, coverage types, benefits, and how to apply for life insurance for a home loan in the UAE.
Last Updated : 11 Dec 2025Best Term Insurance for High Net-Worth Individuals (HNIs) in UAE | High Sum Assured PlansExplore the best term insurance plans for high-net-worth individuals in the UAE. Get high sum assured coverage, legacy protection, and exclusive benefits with HNI term insurance designed for wealth preservation and family security.
Last Updated : 09 Sep 2025Is a 20-Year Term Life Insurance Policy Right for You in the UAEExplore the benefits of a 20-year term life insurance policy in the UAE. Learn how it works, who should buy it, costs, and if a 20-year plan is worth it for your family’s financial security.
Last Updated : 11 Dec 2025Difference Between Nomination and Assignment in Life Insurance | UAE GuideDiscover the key difference between nomination and assignment in life insurance. Learn how each works, their benefits, and why understanding them is crucial for UAE policyholders.
Last Updated : 05 Sep 2025Money Back Term Insurance in UAE – Do You Get Premiums Back?Wondering if you get your money back at the end of a term life insurance in the UAE? Learn why money-back term insurance and return of premium plans are not available, and explore smart alternatives like savings, ULIPs, and pension plans.
Last Updated : 12 Dec 2025Best Life Insurance Companies in Dubai, UAE (2025 Updated List) Find out more about life insurance companies in the UAE and compare features and benefits offered. Buy best life insurance plan now!
Last Updated : 12 Dec 2025Best Self Employed Insurance Plans Online in UAETerm Insurance Plans for Self Employed - Know how to select the best term plan for self-employed individuals & why it is required and who needs it only at Policybazaar.ae
Last Updated : 12 Dec 2025Term Insurance for NRI | Best Term Insurance Plan for NRI in UAETerm Insurance for NRI - Compare and Buy best term insurance policies for NRI in UAE & know important things before buying the term plan for NRI in UAE.
Last Updated : 28 Oct 2025Term Insurance for Spouse in UAE - Features & BenefitsTerm Insurance for Spouse - Choose the best term insurance plan for your spouse in UAE with features & Benefits. Also, know who can buy a spouse term insurance plan.
Last Updated : 19 Sep 2025Short Term Disability Insurance | Benefits & How It WorksDiscover short term disability insurance options to safeguard your income during challenging times. Get affordable coverage tailored to your needs!
Last Updated : 12 Dec 2025Top Life Insurance Plans for Expats in the UAE: Protect Your Family's FutureDiscover the best life insurance options for expatriates in the UAE. Learn about key benefits, top plans, and essential tips to secure financial protection for your loved ones.
- Follow Us :
