HAYAH Simple Saver Investment Plan in UAE

HAYAH Simple Saver Investment Plan

The HAYAH Simple Saver Plan is one of the most affordable and flexible investment plans in the UAE. This plan is designed for both beginners and experienced investors and lets you start small, save regularly, and grow your money steadily. It is managed by BlackRock, one of the world’s top investment ...read more

What is the HAYAH Simple Saver Plan?

HAYAH simple saver investment plan in UAE is a secure and straightforward savings plan that allows you to start protecting and growing your finances. You can begin with as little as AED 7 per month. Another interesting part: no medical exams are required! All of this makes it one of the most accessible investment options in Dubai, UAE.

This plan is convenient to build. You can purchase and manage it seamlessly through a website or mobile app. With transparent coverage and no hidden costs, it’s a suitable choice for anyone taking their first steps toward financial planning.

In simple words: You can think of it as a smart piggy bank that not only keeps your money safe but also helps it grow faster by investing globally.

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What is Included in the Hayah Simple Saver Investment Plan?

Start Small
You don’t require a big budget to begin investing in the UAE. With as little as USD 15 per month, you can start building your savings and grow them steadily.

No Upper Limit
This investment plan in UAE requires a 5-year minimum commitment, but you’re free to invest for as long as you want; there’s no maximum limit.

100% Online, Zero Paperwork
You can start your investment with your Emirates ID in just a few minutes. From signing up to managing and tracking your money, everything is digital.

Daily Valuation of Funds
Check how your HAYAH investment is performing daily through your online dashboard. Stay updated and in control at all times.

Flexibility to Adjust
You can switch between different global funds or adjust your premium contributions depending on your financial goals.

Expert Fund Management
BlackRock, one of the world’s leading investment managers, manages your money so you know it’s in safe hands.

Joint Account Option
You can open a joint account with your spouse and build wealth as a team.

Cancellation Window
Changed your mind? No problem. You have 30 days from purchase to cancel the policy and get your money back.

Market-linked Returns
Since your savings are invested in global funds, they have higher growth potential compared to traditional savings.

⚠️ Note: As this is a market-linked plan, returns can go up or down depending on market performance.

How Much Does the HAYAH Simple Saver Plan Cost?

Simple Saver is easy on your pocket. You can invest in it with a single, low annual management fee, which decreases as your savings grow.

The fee is calculated daily and deducted monthly.
There are no extra fixed charges, allocation rates, or hidden fees.
External fund managers may charge an Ongoing Charges Figure (OCF), which is visible in all fund factsheets and illustrations.

Annual Management Fee:

Policy Value	Fee
Up to USD 25,000	1.25%
Up to USD 75,000	1.00%
Up to USD 150,000	0.75%
Above USD 150,000	0.50%

Eligibility for Hayah Simple Saver Investment Plans in UAE

To apply for the Hayah Simple Saver investment plan in Dubai or anywhere in the UAE, you must —

Be a UAE resident
Be between 18–69 years old at entry
Commit to a minimum payment term of 5 years
Premium payments can continue until age 74
Provide your Emirates ID

📝Important Notes

All investments carry risk, and the value of your savings may fluctuate.
Past performance does not guarantee future returns.
If your investments are in a different currency from your base currency, exchange rate changes may affect the value of your savings.
Always make investment decisions based on your financial goals and resources.
If unsure, consult a wealth manager or financial advisor like Policybazaarinsurance.ae.

How to Invest in a Hayah Simple Saver Plan in the UAE?

You can purchase the plan easily through Policybazaarinsurance.ae —

Click on ‘Investment Plans’ under the ‘Investment’ section
Fill in the required details in the form on the right-hand side
You’ll be redirected to the investment page
Select Hayah Simple Saver Plan
Enter your details and submit
A representative will contact you to proceed with your application

Final Take: Is Hayah Simple Saver Worth It?

If you live in the UAE and want a beginner-friendly, affordable, and flexible investment plan, the Hayah Simple Saver investment plan in Dubai is a great choice. It helps you:

Save consistently
Grow wealth through global funds
Stay flexible with withdrawals and fund switches

For anyone in Dubai, Abu Dhabi, or across the UAE, this plan is a smart first step toward financial freedom.

Frequently Asked Questions

How can I make contributions to HAYAH investment?

Payments can be made via credit card in USD or AED. You can choose your contribution frequency: monthly, quarterly, half-yearly, or yearly. While you cannot increase contributions beyond the initial amount, you can decrease them temporarily and later return to the original amount.

What is the minimum contribution period of the plan?

Minimum contribution period for the HAYAH simple saver investment plan in Dubai is 5 years, with the option to continue saving up to age 74.

What happens to my HAYAH Simple Saver plan in case of death?

The policy ceases on the death of the policyholder unless you have a joint life plan. In a joint plan, coverage continues until the death of the surviving policyholder. The death benefit is 100% of the policy value at the time of death, without any deduction of withdrawal charges, if applicable.

Will I have access to my HAYAH investment money?

Yes, you can access your money, but there are a few things to consider. If you decide to stop your regular contributions, please notify HAYAH. If you miss a few payments, you can resume your contributions at any time.

Can I pause my HAYAH Simple Saver plan?

To pause or stop your contributions, your minimum policy value must be at least USD 1,500. If the amount falls below this threshold, the plan will lapse, and you will receive the remaining balance.

What happens if I cancel my HAYAH Simple Saver investment plan?

If the plan is closed or surrendered within the first 4 years, a full withdrawal charge of 20% of the first-year contributions applies. After 4 years, there is no withdrawal charge. Additionally, a 30-day cooling-off period applies after purchase. If you cancel within this period, any deducted charges and the value of your investments will be fully refunded.