Hayah Insurance is a reputable insurance provider in the UAE, known for its commitment to protecting the financial well-being of individuals and families.
Written ByAashima MongiaContent Writer (Expertise: Term Life Insurance & Investment)
Aashima Mongia
Content Writer (Expertise: Term Life Insurance & Investment)
Aashima Mongia is a Content Executive at Policybazaar.ae, dedicated to bridging the gap between complex financial products and the people who need them. Specializing in Term Life Insurance and Investment portfolios, Aashima translates the "fine print" into high-value insights for the UAE market. With a background rooted in Commerce and Digital Strategy, she combines rigorous research with an audience-first philosophy. Her work is a blend of data-backed research and a deep understanding of the UAE's economic pulse, ensuring that every guide she writes is practical, timely, and easy to digest.
Reviewed ByAtul KathuriaBusiness Head – Term & Investment | Policybazaar.ae
Atul Kathuria
Business Head – Term & Investment | Policybazaar.ae
Mr. Atul Kathuria, Business Head of Term & Investment, is a seasoned business leader with more than 15 years of experience across industries, which includes specialising in the life insurance and wealth management space. An alumnus of IIT Delhi, he brings a strong analytical background and deep expertise in building goal-oriented financial solutions tailored for residents and expats in the UAE. By working closely with top insurers, he has strengthened Policybazaar UAE's range of term and investment plans, making financial planning more accessible and effective.
Specialising in various insurance solutions, Hayah offers tailored term life insurance plans that are designed to provide comprehensive security and peace of mind. Term plans from Hayah ensure that in the unfortunate event of the policyholder's passing, the designated beneficiaries receive a guaranteed payout that can be used to cover outstanding loans, daily expenses, or future financial goals.
With a range of customisable options and add-ons, Hayah term insurance policies are flexible and affordable, aligning with individual needs. This protection serves as a vital instrument for securing one’s family’s future, allowing them to confidently face life's uncertainties.
Best Hayah Term Insurance Plans
Some of the best Term Insurance quotes in UAE & Dubai are:
98.1% Claim Settlement Ratio
Term Life Protect
Life Cover (AED)1,000,000
Policy Term (Years)10
95% Claim Settlement Ratio
Term Life
Life Cover (AED)1,000,000
Policy Term (Years)10
98% Claim Settlement Ratio
International Term Assurance
Life Cover (AED)1,000,000
Policy Term (Years)10
98% Claim Settlement Ratio
Live Life Now
Life Cover (AED)1,000,000
Policy Term (Years)10
98% Claim Settlement Ratio
Critical Illness Protection
Life Cover (AED)1,000,000
Policy Term (Years)10
What is the HAYAH Term Insurance Plan?
HAYAH term insurance offers coverage for a pre-specified tenure — 10 years, 20 years, or 30 years. If the life assured passes away during the policy tenure, the beneficiary will receive the death benefit.
Why Should You Buy HAYAH Term Insurance?
Here are the key reasons to buy a HAYAH term insurance policy —
No, suicide is not covered under HAYAH term insurance plans.
What are the documents required for a death claim?
The documents needed for filing a death claim include a filled-in claim form, a copy of the death certificate, the beneficiary’s identity proof, an original policy document, and other documents.
Will you get a non-smoker discount if you stop smoking now?
No, you don’t get a non-smoker discount if you stop smoking now. You can get it only if you abstain from tobacco for at least one year.
What happens if you miss a premium?
You have a grace period of at least 30 days to pay the missed premium.
HAYAH Term Insurance UAE - Compare & Buy HAYAH Term Insurance in Dubai, UAE. Explore its various plans, features, inclusions, and claim process & other details.
★★★★★4.7 / 5
(based on 46,158 reviews)
Mohammed Al KhairyAbu Dhabi, 19 October 2026
★★★★★
Good term insurance priceWas looking for around AED 1 million term cover and got a few options to compare. Premium was affordable for my age. Policybazaar.ae advisor also explained why buying early can make a difference. Overall good experience.
Daudd MalikAbu Dhabi, 17 October 2026
★★★★★
Easy to compare plansI didnt want to contact 4-5 insurance companies separately. Policybazaar.ae made it easier to compare term plans in one place. I could see the premium and cover and then decide. Very convenient.
Syed Monoar HussainAbu Dhabi, 16 October 2026
★★★★★
Good support after buyingI had few questions even after selecting the policy and customer support helped me understand the policy details. Was reassuring because insurance documents can be confusing. Good service from PB UAE.
KandibanAbu Dhabi, 14 October 2026
★★★★★
Not just about cheapest premiumInitially I was only looking for the cheapest term insurance. The advisor explained that I should also check exclusions, claim process, coverage and riders. That was actually helpful. Ended up choosing a slightly different plan than my first choice.
Miquel Servera MartorellAbu Dhabi, 9 October 2026
★★★★★
Good explanation from advisorI was confused between life insurance and term insurance. The PB UAE advisor explained difference very simple way and helped compare few options. Finally went with a plan that fit my budget. Good experience overall.
Elena LogvinaAbu Dhabi, 5 October 2026
★★★★★
Protection With Disability CoverWanted a term plan that also gave some protection in case of accidental disability. The Policybazaar advisor explained the available add-on options and helped me choose a plan according to my needs.
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Aashima Mongia
Last Updated : 16 Oct 2026Smart Return Term Plan UAE: Premium Refund & TROP ComparisonAlliance’s Smart Return Term Plan refunds base premiums via the Smart Exit Benefit on 30-year policies. See eligibility, exclusions and how it compares with TROP.
Last Updated : 15 Oct 2026Term Insurance Maturity: Benefit, Value & What Happens (UAE)Does term insurance have maturity benefit? See the meaning, why pure term plans pay no maturity value, return-of-premium options, and what to do when cover ends.
Last Updated : 15 Oct 2026Life Insurance Maturity Benefit: Meaning, Value & Payout UAELife insurance maturity explained for UAE policyholders: maturity date vs benefit, maturity value vs surrender value, the maturity period, tax and the claim process.
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