Salama Term Insurance

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AED 1 million life cover starting @50/month
AED 1 million life cover starting @50/month
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An unfortunate event can turn your life upside down. Given the uncertainty of life, it is important to select a suitable Takaful (term insurance) plan in order to secure the dreams and future of your family. Having a suitable coverage helps in eliminating the risk faced by your family in the event of your untimely demise. Thus, a Takaful (term insurance) plan plays an important role when it comes to the well-being of your family.

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

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.

Hemayati Plus

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 and Benefits of Hemayati Plus

Takaful (term insurance) plans offered by Salama are loaded with features. A few key highlights of Hemayati Plus are listed below.


The currency for this Salama term insurance policy can be in USD or AED.

Contribution Amount

The certificate holder can make a single contribution or pay in monthly, quarterly, half-yearly, or yearly formats. The payable contribution is fixed at the beginning of this Salama term life insurance plan and remains the same during the entire tenure of the plan.

Less Documentation

An easy application process along with low documentation. 

Plan Name


Hemaya Plus

  • Terminal illness
  • Additional Benefits:
    • Accidental death
    • Critical illness
    • Contribution waiver
    • Family income
    • Permanent total disability
  • Grace Period: 90 days
  • Free Look Period: 30 days
  • Currency: USD or AED


Hemayati Plus

  • No medicals
  • Terminal illness
  • Maximum coverage: AED 500,000
  • Global coverage
  • Maturity Bonus

Salama Takaful (Term Insurance) Plan Eligibility

Read the table below to know the eligibility requirements.

Plan Name


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

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.

Claim Process for the Hemayati Plus

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.

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

FAQs on Salama Takaful (Term Insurance) Plans

Q1: How can I make payments for my regular contributions?

Ans: 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).

Q2: What would be the consequence of missing my regular contribution?

Ans: The good part is that these plans come with a grace period. Nevertheless, the payment for the contribution must be made within 28 days from the due date of the contribution, in order to avoid discontinuation of benefits.

Q3: What are the minimum and the maximum entry age?

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

Q4: What should be my maximum age at the time of maturity?

Ans: 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.

Reviews & Ratings

4.6 / 5 (based on   20020 google icon reviews)

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