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 comparative overview of Zurich vs HAYAH insurance UAE.read more
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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.
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.
Tanvi Pathak
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