# Salama Life Insurance UAE (2026): Complete Review, Plans, Benefits, Eligibility & Quote Guide

**Published:** 2020-10-07
**Updated:** 2026-09-11
**Author:** Aashima Mongia
**Reviewer:** Atul Kathuria
**Original Url:** https://www.policybazaar.ae/salama-life-insurance-lipvd/

**We are Rated:** 4.7/5
**Review Count:** 46,158 [Reviews](https://maps.app.goo.gl/Ry9H7NLgFAGso8gZ7)
**Insurance Partners:** 35+
**Trusted Customers:** 2 Million+
**Policies Sold:** 1 Million+

With over 45 years of experience, 450,000+ customers, more than AED 10 billion in protection provided, and over 50 industry awards, Salama is one of the UAE’s largest and oldest Takaful providers. The company is listed on the Dubai Financial Market and regulated by the UAE Central Bank. Unlike conventional life insurance, Salama follows Takaful principles, making its plans suitable for individuals looking for Shariah-compliant financial protection.

## About Salama UAE

Salama (Islamic Arab Insurance Company) is among the pioneers of the global Takaful industry.

| Feature | Details |
| --- | --- |
| Established | 1979 |
| Experience | 45+ Years |
| Customers Protected | 450,000+ |
| Coverage Provided | AED 10 Billion+ |
| Paid-up Capital | AED 1.21 Billion |
| Listed On | Dubai Financial Market |
| Regulator | UAE Central Bank |
| Awards | 50+ in last five years |

## What is Salama Life Insurance in the UAE?

Salama [life insurance plans in the UAE](https://www.policybazaar.ae/life-insurance/) offer reliable, Shariah-compliant coverage that meets diverse protection and financial needs. With Salama, policyholders benefit from a range of plans designed for individual and family security, covering life’s uncertainties while helping to build savings.

Known for its customer-centric approach, Salama supports its policyholders with swift claim settlements and provides dedicated support to assist throughout the policy term. With this insurance plan, you can safeguard your loved ones’ future and create a stable financial foundation, empowering you to plan for tomorrow with confidence today.

_**Depending on the plan you choose, Salama offers:**_

*   Pure life protection
*   Term insurance
*   Whole life protection
*   Investment-linked life plans
*   Savings plans
*   Return of contributions (selected plans)
*   Optional critical illness and disability protection

**The objective is simple:**

If the covered member dies during the policy term, Salama pays the nominated beneficiaries a lump sum. This amount can help replace lost income, pay off debts, fund [children’s education](https://www.policybazaar.ae/investment-plans/child-plans/), or cover day-to-day living expenses.

### What is Takaful?

Before buying a Salama policy, it’s important to understand how Takaful differs from conventional insurance. [Takaful](https://www.policybazaar.ae/life-insurance/articles/what-is-takaful-in-uae/) is a Shariah-compliant protection model where participants contribute to a shared fund (Tabarru’). The pooled fund is used to compensate members who suffer a covered loss.

Instead of transferring risk to an insurance company, members collectively share the risk.

Salama operates many of its life products under the Wakalah model, where the company manages the fund on behalf of policyholders in return for a predefined fee. Any eligible surplus in the Tabarru’ Fund may be distributed to policyholders, subject to approvals and claims experience.

  

## Why Should You Buy Salama Life Insurance?

The following are the reasons you should consider buying Salama life insurance -

*   Customisable insurance plans
*   Easy online application
*   Simplified claim registration process
*   Round-the-clock customer care service
*   Up to AED 10 billion in coverage across 450k customers

## Best SALAMA Life Insurance Plans in UAE

SALAMA offers four primary Family Takaful (Life Insurance) plans in the UAE. Each plan is designed for a different type of customer, ranging from affordable term protection to comprehensive lifetime coverage with investment features.

| Plan | Best For | Coverage Type | Maturity Benefit |
| --- | --- | --- | --- |
| Hemayati Plus | Budget-conscious families | Instant Term Takaful | Yes (up to 100% of contributions if no claim) |
| Hemaya Plus | People needing higher customised protection | Term Takaful | No |
| Hyat Superior | Long-term wealth creation + protection | Whole Life Investment-Linked Takaful | Investment Value |
| Hyat Secure | Protection with contribution security | Whole Life Investment-Linked Takaful | Protected Contributions (subject to plan terms) |

## What are the Features of Salama Life Insurance Plans?

### The following are the features and benefits of Salama Life Insurance plans -

| Life Insurance Plans | Key Features & Benefits |
| --- | --- |
| Hemayati Plus | Higher coverage at competitive rates<br>Option to select between monthly or annual contributions<br>[No medical examination required](https://www.policybazaar.ae/no-medical-exam-life-insurance-liart/)<br>Instant accident cover once you buy the plan<br>Worldwide coverage<br>Flexible coverage tenure - 5 years, 10 years, or 15 years<br>Fixed premium rates<br>Assured maturity bonus payout |
| Hemaya Plus | A fixed-term protection plan<br>In-built terminal illness benefit<br>Can be a [single or joint life insurance option](https://www.policybazaar.ae/life-insurance/articles/single-vs-joint-life-insurance/)<br>A free-look period of 30 days from the date when the plan was issued |
| Hyat Superior | Coverage till the age of 100 years<br>Option to customise your plan<br>Family takaful benefit<br>Terminal illness benefit<br>Add-ons -Accidental death benefit<br>[Waiver of contribution](https://www.policybazaar.ae/life-insurance/articles/waiver-of-premium-rider-uae/)<br>Family income benefit<br>Hospital cash benefit<br>Permanent and total disability benefit<br>Critical illness benefit<br>Accidental total or partial permanent disability (accidental dismemberment benefit) |
| Hyat Secure | Cover till the age of 100 years<br>Flexibility to customise your plan<br>Family takaful benefit<br>Terminal illness benefit<br>Optional protection benefits -Accidental death benefit<br>Waiver of contribution<br>Family income benefit<br>Hospital cash benefit<br>Permanent and total disability benefit<br>Critical illness benefit<br>Accidental total or partial permanent disability (accidental dismemberment benefit) |

## What are the Eligibility Criteria for Buying Salama Life Insurance?

The following are the eligibility criteria for buying Salama Life Insurance in the UAE -

| Hemayati Plus | Hemaya Plus | Hyat Superior | Hyat Secure |
| --- | --- | --- | --- |
| Minimum Entry Age - 18 years<br>Maximum Entry Age - 55 years<br>Maximum Age at Maturity - 70 years | Minimum Entry Age - 18 years<br>Maximum Entry Age - 74 years<br>Maximum Age at Maturity - 100 years | Minimum Entry Age - 18 years<br>Maximum Entry Age - 74 years<br>Maximum Age at Maturity - 100 years | Minimum Entry Age - 18 years<br>Maximum Entry Age - 64 years<br>Maximum Age at Maturity - 100 years |

## SALAMA Life Plans Comparison

| Feature | Hemayati Plus | Hemaya Plus | Hyat Superior | Hyat Secure |
| --- | --- | --- | --- | --- |
| Term Plan | Yes | Yes | No | No |
| Whole Life | No | No | Yes | Yes |
| Investment Component | No | No | Yes | Yes |
| Maturity Benefit | Yes | No | Fund Value | Protected Contributions feature |
| Coverage up to Age 100 | No | No | Yes | Yes |
| No Medical Test | Eligible applicants | Depends on underwriting | Depends | Depends |
| Optional Riders | Limited | Extensive | Extensive | Extensive |

## Which SALAMA Life Insurance Plan Should You Choose?

_**Your ideal plan depends on your financial objectives:**_

*   Choose Hemayati Plus if you want affordable term protection with a maturity bonus and straightforward eligibility.
*   Go for Hemaya Plus if you need higher life cover and the flexibility to tailor your protection with optional benefits.
*   Choose Hyat Superior if your priority is combining lifetime protection with long-term investment and wealth creation.
*   Opt for Hyat Secure if you want investment-linked life protection with an added level of contribution protection against market fluctuations.

## How Much Does SALAMA Life Insurance Cost?

SALAMA does not publish fixed premium rates because every policy is individually underwritten. Your premium (Takaful contribution) depends on several personal and policy-related factors.

### Minimum Contributions

For investment-linked plans such as Hyat Superior and Hyat Secure, SALAMA specifies the following minimum regular contributions:

| Payment Frequency | Minimum Contribution |
| --- | --- |
| Monthly | AED 200 |
| Quarterly | AED 600 |
| Half-Yearly | AED 1,200 |
| Yearly | AED 2,000 |

These are minimum contribution amounts and not guaranteed premiums. The actual amount depends on the chosen benefits and underwriting.

## What Benefits are Available Across SALAMA Life Plans?

Depending on the plan you choose, your policy can include one or more of the following benefits.

### Death Benefit

The nominee receives a lump sum if the insured dies during the policy term due to a covered event.

### Terminal Illness Benefit

If the insured is diagnosed with a terminal illness with a life expectancy of less than 12 months (subject to policy definitions), the benefit is paid during the lifetime of the insured.

### Critical Illness Benefit (Optional)

Select plans allow you to add Critical Illness protection that pays a lump sum upon diagnosis of one of the covered illnesses, subject to policy terms and survival requirements.

### Permanent Total Disability Benefit

Provides a lump-sum payout if the insured becomes permanently and totally disabled due to illness or accident.

### Accidental Death Benefit

Pays an additional lump sum if death occurs directly due to an accident.

### Family Income Benefit

Instead of receiving the full amount at once, your family can receive regular payments for a chosen period to help cover daily expenses.

### Waiver of Contribution

If you become permanently disabled, SALAMA may continue your policy without requiring future contributions, subject to the plan terms.

### Hospital Cash Benefit

Selected plans pay a fixed daily cash amount if you are hospitalised for a covered condition, subject to the policy terms.

### Accidental Dismemberment Benefit

Provides a lump-sum payment if an accident results in the loss of a limb, eyesight, or other covered injuries, as specified in the policy.

## How to File a SALAMA Life Insurance Claim?

If a covered event occurs, the claimant should notify SALAMA as soon as possible. Existing policyholders can manage their policies through the SALAMA Easy Life Login portal. The general claims process is:

1.  Inform SALAMA about the claim
2.  Complete the required claim form
3.  Submit supporting documents (such as the death certificate or medical reports, depending on the claim)
4.  SALAMA reviews the documentation and may request additional information or a medical examination where applicable
5.  Once the claim is approved, the benefit is paid according to the policy terms

Claim forms for death benefits, critical illness, beneficiary changes, reinstatement, encashment, and other servicing requests are available through SALAMA’s official website.

## What Happens If You Miss a Premium?

This depends on the plan. For investment-linked plans:

*   A grace period generally applies
*   If sufficient fund value exists, cover may continue while charges are deducted from the policy value
*   If the remaining fund value becomes insufficient to meet ongoing charges, the policy may lapse or terminate in accordance with the policy conditions

For Hemayati Plus, regular contributions should be paid within the applicable grace period to avoid discontinuation of protection benefits.

## Can You Reinstate a Lapsed Policy?

Yes, in many cases. Depending on the product:

*   Reinstatement is generally allowed within the specified reinstatement period (commonly up to 12 months for Hyat plans)
*   SALAMA may require fresh evidence of health and other underwriting requirements before approving reinstatement

## Pros and Cons of SALAMA Life Insurance

| Pros | Cons |
| --- | --- |
| Shariah-compliant Family Takaful solutions | Investment returns are not guaranteed for [investment](https://www.policybazaar.ae/investment-plans/)\-linked plans |
| Multiple plans for different life stages | Some plans include investment charges and policy fees |
| Lifetime cover available up to age 100 on selected plans | Medical underwriting may apply depending on the plan and cover amount |
| Optional riders for broader protection | Charges may apply for encashment, withdrawals, or fund switches depending on the policy |
| Worldwide coverage on selected products | Premiums increase with age, health risks, and higher coverage |

## Why Trust This SALAMA Life Insurance Review?

_**This review is based on:**_

*   Official SALAMA product brochures and policy documents
*   UAE Central Bank regulatory information
*   Publicly available company disclosures
*   Current product features, eligibility criteria, and benefit illustrations available at the time of writing

We independently analysed each SALAMA life insurance plan to explain its suitability, benefits, and limitations. The goal, as always, is to help you make informed insurance decisions.

## FAQs for SALAMA Life Insurance

### Is SALAMA Life Insurance Shariah-compliant?

Yes. SALAMA offers Family Takaful plans based on Shariah-compliant principles using the Wakalah model.

### Does SALAMA offer life insurance with a maturity benefit?

Yes. Hemayati Plus offers a guaranteed maturity bonus (up to 100% of total contributions, depending on the selected term) if no eligible claims are made during the policy term. Investment-linked plans may also build policy value, but returns depend on investment performance.

### Is a medical examination required?

It depends on the product and the amount of cover. Hemayati Plus offers instant cover without a medical examination for eligible applicants. But other plans may require underwriting based on age, health, and the sum assured.

### Can NRIs and expatriates buy SALAMA Life Insurance in the UAE?

SALAMA’s Family Takaful products are designed for UAE residents, including many expatriates, subject to the insurer’s underwriting guidelines and eligibility requirements.

### Can I choose my nominee?

Yes. SALAMA provides beneficiary nomination and change request forms. These allow policyholders to update their beneficiaries in accordance with the policy terms.

### Is worldwide coverage available?

Yes. Select SALAMA life insurance plans give worldwide coverage, helping ensure protection even if you travel or relocate, subject to the policy terms and conditions.

### Does SALAMA pay valid claims?

According to SALAMA, it pays 100% of valid claims. Claims may be declined in cases such as material non-disclosure, false declarations, or where policy exclusions apply.

### Can I cancel the policy?

Yes. SALAMA offers a 30-day free-look period from the policy issue date. During this period, you can cancel the policy and receive a refund in accordance with the policy terms and conditions, provided the eligibility requirements for cancellation are met.

### How do I get a SALAMA Life Insurance quote?

Before purchasing a policy, it’s advisable to get a personalised SALAMA Life Insurance quote based on your age, income, health condition, and coverage requirements. Because premiums are individually underwritten, two applicants choosing the same SALAMA Life Insurance plan may receive different quotes.

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