# SALAMA Term Insurance in UAE: Hemaya Plus & Hemayati Plus

**Published:** 2020-10-07
**Updated:** 2026-09-02
**Author:** Aashima Mongia
**Reviewer:** Atul Kathuria
**Original Url:** https://www.policybazaar.ae/salama-term-insurance-trmpvd/

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SALAMA offers two Family Takaful protection plans: Hemaya Plus and Hemayati Plus. Both plans offer financial protection to your family, but they work differently. Hemaya Plus is the more flexible option for people looking for higher protection and longer policy terms. Hemayati Plus, meanwhile, is a simpler term plan with no medical examination and a guaranteed maturity bonus.

## Salama Term Insurance Plans at a Glance

| Feature | Hemaya Plus | Hemayati Plus |
| --- | --- | --- |
| Plan type | Level-term Takaful | Fixed-term family Takaful |
| Medical examination | Depending on underwriting | No medical examination for instant cover |
| Cover | Customisable | Up to AED 500,000, subject to plan terms |
| Maturity benefit | No savings element | Up to 100% of contributions if no claim, subject to terms |
| Terminal illness | Yes | Yes |
| Additional benefits | Available | Limited/plan-specific |
| Term options | Customisable | 5, 10 or 15 years |
| Currency | AED/USD | AED/USD |
| Worldwide cover | Subject to policy terms | Yes, subject to policy terms |
| Best suited for | Higher/customised protection | Simpler protection with maturity benefit |

## What is SALAMA Term Insurance?

SALAMA [term insurance](https://www.policybazaar.ae/term-insurance/) is structured as Family Takaful, rather than conventional life insurance. You make contributions to the plan. The applicable Takaful benefits provide financial protection if a covered event occurs during the plan term.

Listed on the Dubai Financial Market with a paid-up capital of AED 1.21 billion (USD 330 million), SALAMA (Islamic Arab Insurance Company) is the world’s oldest and largest [Takaful](https://www.policybazaar.ae/life-insurance/articles/what-is-takaful-in-uae/) solutions provider. Operating under the Central Bank of the UAE regulations, Salama brings over 45 years of industry leadership. It protects more than 450,000 customers with over AED 10 billion in active coverage.

## Types of Salama Takaful (Term Insurance) Plans in UAE

Salama offers different Takaful (term insurance) plans that are unique in their own ways. The following are the different policies on offer.

### Hemaya Plus: Flexible SALAMA Term Insurance

This is a convenient straight forward Salama term insurance plan, which helps in eliminating the financial risks that the family of the certificate holder may have to face in the event of the sudden demise of the certificate holder.

It is designed for customers who want to choose their level and duration of protection and potentially add extra benefits.

### Key features of Hemaya Plus

*   Entry age from 18 to 74 years
*   Maximum maturity age of 100 years
*   Minimum plan term of 2 years
*   Available in AED and USD
*   Single or regular contribution options
*   Monthly, quarterly, half-yearly, or yearly contribution options
*   Fixed contribution based on the selected cover and plan terms
*   Built-in terminal illness benefit
*   Single-life or joint-life first-death option
*   Optional [critical illness](https://www.policybazaar.ae/critical-illness/) and disability-related benefits
*   Worldwide coverage, subject to the plan terms
*   Contribution payment terms can be shorter than the overall plan term for eligible terms

### For How Long Can You Pay Contributions?

Hemaya Plus allows you to choose a contribution payment term equal to or shorter than the plan term, subject to the applicable limits.

| Plan Term | Contribution Payment Term |
| --- | --- |
| 2–5 years | Same as plan term |
| 6–10 years | 5 years |
| 11–15 years | 8 years |
| 16–20 years | 10 years |
| 21–25 years | 12 years |
| 26–30 years | 15 years |
| 31–35 years | 18 years |
| 36–82 years | 20 years |

This can be useful if you want your SALAMA term insurance UAE contributions to finish earlier while keeping the protection for longer.

### Hemayati Plus: Simple Term Cover With a Maturity Bonus

This Salama term life insurance plan offers high coverage at an economical price. It requires zero medical check-ups, minimum documentation, and also offers a maturity amount in the form of a cashback.

### Key Features

*   Entry age: 18 to 55 years
*   Maximum maturity age: 70 years
*   Term options: 5, 10, or 15 years
*   Maximum Family Takaful Benefit: AED 500,000
*   AED or USD currency
*   Monthly or annual contributions
*   No medical examination required
*   Terminal illness benefit
*   Guaranteed [maturity bonus](https://www.policybazaar.ae/an-overview-on-term-insurance-maturity-benefits-trmart/)
*   Worldwide coverage
*   Instant accident cover after purchase, subject to the plan terms

## Hemaya Plus vs Hemayati Plus: Side-by-Side Comparison

Salama offers two flagship term protection plans designed to serve distinct coverage needs:

| Feature / Specification | Hemaya Plus | Hemayati Plus |
| --- | --- | --- |
| Primary Focus | Comprehensive, high-sum family & debt protection | Guaranteed protection + Up to 100% Cashback Bonus |
| Medical Examination | Based on age, health, and sum assured | No medical check-up required |
| Sum Covered Limit | Customised high limits based on underwriting | Fixed caps from AED 100,000 to AED 500,000 |
| Plan Term Options | Flexible terms up to 82 years | Fixed 5, 10, or 15-year terms |
| Maturity Benefit | None (Pure protection) | 80% to 100% Return of Contributions (if claim-free) |
| Terminal Illness Cover | Built-in (Life expectancy < 12 months) | Built-in (Life expectancy < 12 months) |
| Optional Riders | Up to 6 riders (Critical Illness, Disability, etc.) | Basic built-in accident/sickness coverage |
| Grace Period | 90 Days | 60 Days |
| Plan Ownership | Individual or Corporate entity | Individual |

### Salama Takaful (Term Insurance) Plan Eligibility

Read the table below to know the eligibility requirements.

| **Plan Name** | **Eligibility** |
| --- | --- |
| Hemaya Plus | Minimum Entry Age: 18 years<br>Maximum Entry Age: 74 years<br>Maximum Maturity Age: 100 years |
| Hemayati Plus | Minimum Entry Age: 18 years<br>Maximum Entry Age: 59 years<br>Maximum Maturity Age: 74 years |

## How Much Does SALAMA Term Insurance Cost?

There is no single contribution amount for SALAMA term insurance. Your contribution depends on factors such as age, gender, occupation, health, smoking status, benefit amount, and policy term.

However, Hemayati Plus provides an indicative contribution table that makes it easier to understand the pricing.

For example, the published monthly contribution for AED 500,000 of cover is:

| Age | 5-year term | 10-year term | 15-year term |
| --- | --- | --- | --- |
| 18–29 | AED 83 | AED 149 | AED 167 |
| 30–39 | AED 103 | AED 162 | AED 188 |
| 40–49 | AED 234 | AED 313 | AED 381 |
| 50–59\* | AED 692 | AED 893 | AED 1,110 |

\*The current Hemayati Plus brochure’s eligibility section states a maximum entry age of 55. Thus, the published 50–59 contribution band should not be interpreted as meaning everyone aged 56–59 can apply.

Annual contribution is also available, with SALAMA’s brochure stating that the annual contribution is 11 times the monthly contribution. This effectively provides a one-month contribution discount compared to paying 12 monthly contributions.

_**Important: These are published illustrative contribution rates, not personalised quotes. Your actual contribution can differ based on your circumstances and underwriting.**_

## What Does SALAMA Term Insurance Plan Cover?

The exact benefits depend on the plan you choose.

### Hemaya Plus Includes

**Death benefit:** A Family Takaful Benefit can be paid if the covered member dies while the plan is in force.

**Terminal illness:** A built-in terminal illness benefit is available when the applicable conditions are met.

You can also add optional benefits, such as:

*   Critical illness benefit
*   Accidental death benefit
*   Permanent and total disability benefit
*   Waiver of contribution
*   Family income benefit
*   Accidental total or partial permanent disability benefit

For example, the Critical Illness Benefit can give a lump sum after diagnosis of a covered critical illness, subject to the defined illnesses and survival period.

### Hemayati Plus Includes

*   Family Takaful benefit
*   Terminal illness benefit
*   Guaranteed maturity bonus

The Family Takaful Benefit can be based on accident and sickness or accident-only cover, depending on the underwriting outcome.

### What are the Main Exclusions of SALAMA Term Insurance?

The exact exclusions depend on the benefit and plan terms. One important exclusion in the Hemayati Plus terms relates to suicide, attempted suicide, or self-inflicted injury or illness within 12 months of the commencement or reinstatement of the plan, subject to the applicable UAE regulatory provisions.

Other exclusions include certain political risks, terrorism, unlawful acts, and other exclusions specified for individual benefits.

Do not rely only on a product summary when deciding whether you are covered. Read the policy terms and conditions, and check the exclusions applicable to your specific benefits.

## What is the Hemayati Plus Maturity Bonus?

One of the biggest differences between the two SALAMA term plans is the guaranteed maturity bonus offered under Hemayati Plus.

If you continue paying all required contributions until maturity and no claim has been made, the published bonus is:

| Plan Term | Bonus |
| --- | --- |
| 5 years | 80% of total contributions |
| 10 years | 90% |
| 15 years | 100% |

Don’t confuse this with a 80%, 90% or 100% investment return. The bonus is calculated as a percentage of total contributions, subject to the plan’s terms and conditions.

## Do You Need a Medical Examination To Get SALAMA Term Insurance UAE?

It depends on the plan.

**Hemayati Plus:** SALAMA states that no medical examination is required for this plan.

**Hemaya Plus:** Medical underwriting can apply. SALAMA’s terms state that the operator may require the covered member to undergo a medical examination by an approved medical examiner.

So, if your priority is simple application without a medical examination, Hemayati Plus may be the more relevant option. If you need longer-term or more customisable protection, Hemaya Plus offers more flexibility.

## What Happens if You Leave the UAE?

This is particularly important for UAE expats.

Hemayati Plus states that the plan is fully portable, provided you continue paying the required contributions.

Hemaya Plus also requires changes in residence status to be disclosed. It has specific plan terms governing the cover.

So if you expect to leave the UAE, check the portability and residence requirements before purchasing rather than assuming the cover automatically continues everywhere.

## What Happens if You Miss a SALAMA Contribution?

This depends on the plan.

For **Hemaya Plus,** SALAMA’s current product material has a 90-day grace period from the contribution due date. If the contribution is not received within the applicable grace period, protection can cease. The plan then terminates.

For **Hemayati Plus,** the brochure states a 60-day grace period for regular contributions.

This is an important distinction and should be checked before relying on older comparison websites, some of which currently show inconsistent grace-period information.

## Can You Cancel SALAMA Term Insurance?

Hemaya Plus includes a 30-day free-look period from the plan issue date, according to the product terms. During this period, you can cancel the plan and receive a refund of contributions paid, subject to the applicable terms.

The plan can also terminate when the term expires, the applicable Family Takaful or terminal illness benefit is paid in full, the customer cancels the plan, or contributions are not received within the applicable grace period.

## Why choose Salama?

This Sharia-compliant insurance provider is a market leader in offering customized and innovative insurance solutions. The company is customer-focused and offers high-quality services.

An easy online application process makes their plans easy to avail.

## How to Make a SALAMA Term Insurance Claim?

Making a claim with Salama is very easy. The beneficiary will have to call or write an email to the company. The company will provide the beneficiary with a claim form, which is to be duly filled by the beneficiary and submitted back.

Further, Salama may ask the beneficiary to submit certificates or other claim evidence. After reviewing them, the company will process the claim.

For Hemaya Plus, SALAMA’s product material says claims can be initiated by writing to the claims department. The claimant may need to submit certificates and other evidence supporting the claim.

SALAMA currently lists its claims contact details and provides online access to death-benefit and other claim forms through its Life Takaful page.

## Contact Details for Queries Related to Hemayati Plus

Customers can reach the company through its contact number 800 SALAMA (800725262) or via email at claims(@)salamalife.ae.

## FAQs on Salama Takaful (Term Insurance) Plans

### How can I make payments for my regular contributions?

You can make payments for your regular contributions either monthly, quarterly, half-yearly, or yearly via bank transfer, credit card, or cheque (just for yearly payments).

### What would be the consequence of missing my regular contribution?

The good part is that these plans come with a grace period. Nevertheless, the payment for the contribution must be made within 30 days from the due date of the contribution, in order to avoid discontinuation of benefits.

### What are the minimum and the maximum entry age?

The minimum entry age is 18 years, while the maximum age is 59 years for Hemayati Plus and 74 years for Hemaya Plus.

### What should be my maximum age at the time of maturity?

Your maximum age at the time of maturity should be 74 years in the case of Hemayati Plus and 100 years in the case of Hemaya Plus.

### Is SALAMA term insurance Sharia-compliant?

Yes. SALAMA’s life protection products are structured as Family Takaful plans based on Takaful principles. SALAMA describes itself as a Sharia-compliant Takaful provider.

### Which is better, Hemaya Plus or Hemayati Plus?

It depends on your needs. Hemaya Plus offers longer terms and more optional benefits. On the other hand, Hemayati Plus is simpler, requires no medical examination, and includes a guaranteed maturity bonus subject to the plan conditions.

### What is the maximum cover under Hemayati Plus?

The maximum Family Takaful Benefit for one covered member is AED 500,000.

### What is the maximum age for SALAMA Hemaya Plus?

You can enter Hemaya Plus up to age 74, with a maximum age at expiry of 100 years, subject to the plan terms.

### Does SALAMA term insurance have a maturity benefit?

Hemayati Plus does. It offers a guaranteed maturity bonus of 80%, 90% or 100% of total contributions for 5-, 10- and 15-year terms respectively, provided the applicable conditions are met. Hemaya Plus is a protection plan and has no cash value.

### Does Hemaya Plus cover critical illness?

Yes. Critical Illness Benefit is available as an optional benefit under Hemaya Plus. The product material states that it covers a predetermined list of 36 critical illnesses, subject to the applicable survival period and terms.

### Does Hemayati Plus require a medical test?

No medical examination is required for Hemayati Plus, as per SALAMA’s product brochure.

### Can I pay SALAMA term insurance monthly?

Yes. Hemaya Plus allows monthly, quarterly, half-yearly, and yearly regular contributions, while Hemayati Plus allows monthly or annual contributions.

### Can I continue my SALAMA plan if I leave the UAE?

Hemayati Plus states that it is portable, as long as you maintain regular contributions. For other plans, check the specific residence and portability conditions before leaving the UAE.

### How can I contact SALAMA?

You can contact SALAMA on 800 725262. SALAMA’s head office is in Dubai, although the company also has branches in Abu Dhabi and Sharjah.

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