Complete Guide to Child Education Plans in the UAE

A single year of university in Dubai can cost AED 60,000–100,000, and overseas education can be 2–3 times higher. Add living expenses, and your dream suddenly turns into a cumbersome financial goal. But how can you ensure that your child's education is never interrupted?

That's where a Child Education Plan, a smart blend of savings, investment, and protection, comes in. It helps parents in the UAE build a strong financial safety net for their children's academic future.

Let’s explore how these plans work, why they’re crucial, and how to pick the right one for your goals.

What is a Child Education Plan?

A Child Education Plan is a mix of savings and insurance. You invest money regularly. In return, the policy helps you save for your child’s future education while also protecting them financially if something happens to you.

So even if life takes an unexpected turn, your child’s education continues without interruption.

Best Child Education Plans in UAE 2025

Choosing the right education investment plan is one of the most important financial steps for parents in the UAE. To help you decide better, here’s a look at some of the top education savings and insurance plans available, each designed to balance savings, protection, and investment growth.

1. Zurich Education Savings Plan (ESP)

As one of the best child education insurance plans, it helps parents save money so their kids can go to a good college in the future. Parents put in some money every month, and it grows over time. If something happens to the parents, the plan still makes sure the child’s education is safe and paid for.

Key Features

• Start saving from USD 400 per month with flexible payment modes (monthly, quarterly, or yearly)
• The ‘Future Premium Protection’ benefit ensures that if a parent passes away or becomes disabled, Zurich covers all remaining payments
• Choose from a wide range of investment funds to grow your money faster than a normal bank account
• Charges are spread evenly across the policy term — not taken upfront
• Children must be named on the plan and can access the money at age 18

Best For: Parents living in the UAE who can commit to at least 5 years of disciplined saving and want a mix of protection and potential investment growth.

2. Citibank Education Plan

The Citibank education plan helps parents save and grow money for their child’s studies. It also protects the family in the event of an unexpected event. Parents can add more money when they earn more, or withdraw some if they need it for school expenses.

Key Features

• Flexibility to increase your premium as your income grows
• Partial withdrawal and surrender options to access funds when needed
• Access to a range of global investment funds to match your risk appetite
• Available in multiple currencies, making it suitable for expatriates

Best For: Parents looking for a flexible and globally diversified education plan that can adapt to changing financial circumstances.

3. Standard Chartered Global Choice Child Education Plan

This child education plan in UAE by Standard Chartered combines life insurance and investment in one hybrid solution. It is perfect for parents who want protection and growth under one roof.

Key Features

• Guaranteed capital protection — beneficiaries receive either the policy value or total premiums paid (whichever is higher)
• Invest in up to 30 mutual funds and create a personalised portfolio
• Adjust your savings, withdraw partially, or surrender the policy when required
• Offers flexibility in currency and premium amount
• Get an extra benefit — 1 month’s premium free upon joining

Best For: Parents who prefer control, customisation, and global investment access while maintaining capital protection.

4. LIC International Child Education Plan

LIC International offers a non-linked, limited premium endowment plan that ensures both protection and guaranteed savings for your child’s future education.

Key Features

• Provides a death benefit in case of the life assured’s untimely demise
• Offers maturity benefit (basic sum assured + guaranteed additions) on policy completion
• Optional Premium Waiver Benefit (PWB) continues the policy even if the proposer passes away
• Entry age: 0–11 years 
  • Maturity age: 18–25 years
• Sum assured
  • Minimum — USD 25,000
  • Maximum — USD 1 million
• Flexible payment terms: yearly, half-yearly, quarterly, or monthly

Best For: Parents seeking a guaranteed, low-risk plan with life insurance protection and steady returns.

5. FAB EduPlus Plan

The EduPlus Plan by First Abu Dhabi Bank (FAB) goes beyond traditional education insurance. It covers everything, from tuition fees to extra-curricular activities and even family relocation expenses.

Key Features

• Covers tuition, textbooks, uniforms, transport, coaching, and activity fees
• Offers accidental death cover and hospital cash reimbursement (up to 60 days)
• Includes dependent child protection, providing support if a parent is hospitalised
• Covers loss of child documents and relocation expenses
• Four coverage levels: Assure, Advantage, Aspire, and Advanced, each with increasing protection

Best For: Families who want comprehensive coverage for education-related costs and protection against unforeseen events.

Comparing the Top UAE Child Education Plans in UAE

Why Do Parents Need a Child Education Plan in UAE?

Education is one of the biggest and fastest-growing expenses for UAE families. Here’s why planning ahead is critical —

• High Tuition Fees: Top UAE universities like Khalifa University, NYU Abu Dhabi, and University of Dubai charge AED 40,000–100,000+ annually.
• Rising Inflation: The maximum fee increase allowed for private schools in the UAE is now capped at 2.35%. However, if you plan to send your child abroad, education costs are rising much faster. The rate is around 11–12% in India and 8% in the US, well above general inflation rates.
• Financial Security: Even if a parent faces an untimely event, the plan ensures your child’s education doesn’t stop.
• Disciplined Savings: It turns your big dream into manageable monthly investments.

💬 In short, a child education plan converts uncertainty into assurance.

How Does a Child Education Investment Plan Work?

Here’s a simple breakdown of how these plans operate in the UAE —

Step 1

Set Your Goal

Decide the timeline — say, saving for university when your child turns 18.

Step 2

Choose the Premium

Decide how much you can invest monthly or annually based on your budget.

Step 3

Investment Growth

The insurer invests your contributions into funds (fixed income, balanced, or equity-based) to help your savings grow over time.

Step 4

Protection Benefit

 If something happens to you, the insurer continues the plan or pays the full sum to your child. This ensures your child’s future is safe.

Step 5

Maturity Benefit

When the policy term ends, you get a lump sum payout that can cover tuition, accommodation, or other study costs.

If something happens to you during the plan, the insurance part ensures your child still gets the money as planned.

Key Features of Child Education Plans in the UAE

Benefits of the Best Child Education Plans in UAE

1. Financial Security for the Child

If something happens to you, the plan ensures your child’s education continues as planned.

2. Disciplined Savings

You contribute regularly, which helps you stay committed to your goal.

3. Wealth Growth

Your money grows over time through investment returns or guaranteed bonuses.

4. Flexible Withdrawals

You can withdraw funds for schooling, extracurricular activities, or emergencies.

5. Tax Efficiency

In the UAE, most investment plans, including education ones, are tax-free. In plain terms, your returns stay with you.

Documents Required to Buy a Child Education Plan

To get started, you’ll usually need —

• Valid Emirates ID and Passport
• Proof of Address (Utility Bill or Tenancy Contract)
• Child’s Birth Certificate
• Income Proof (Salary Certificate or Bank Statement)

Wrapping Up

A Child Insurance Plan isn’t just another investment. It’s your child’s launchpad into a bright future. By starting early and choosing the right plan, you protect their dreams from uncertainty, inflation, and financial stress.

Your small, consistent investments today can open big doors tomorrow, whether that’s a degree in Dubai, London, or New York.

Frequently  Asked Questions