SALAMA Term Insurance in UAE: Hemaya Plus & Hemayati Plus

Salama Term Insurance Plans at a Glance

What is SALAMA Term Insurance?

SALAMA 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 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 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.

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
• 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:

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 Maximum Entry Age: 74 years Maximum Maturity Age: 100 years
Hemayati Plus	Minimum Entry Age: 18 years Maximum Entry Age: 59 years 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:

*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:

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