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Salama Life Insurance

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1 Million+

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AED 1 million life cover starting @50/month
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Salama - Islamic Arab Insurance is one of the most prominent Sharia-compliant insurance providers in the UAE. You can get a wide variety of plans from this company related to general insurance, auto insurance, health insurance, and family insurance plans.

Starting in 1979, Salama Life Insurance has become a reputed name in the insurance market in the UAE, especially for its diverse and competitive Takaful solutions. With Salama life insurance plans, you can easily secure your family and its financial future against potential losses in the future due to any adverse event.

This article will explore the various insurance plans offered by Salama- Islamic Arab Insurance Company, their features and benefits, terms, and so on.

Types of Salama Life Insurance Plans

Various plans fall under the category of Salama Life Insurance which can easily help you fulfil your financial requirements and safeguard your family as well. Here is a brief overview of the different types of plans –

1. Whole of life plans

Salama Life Insurance offers comprehensive life insurance plans that can financially cover the policyholder’s family in case of any unforeseen circumstance.

The company offers ‘whole life’ plans in two versions as described below:

  • Hyat Superior: With the Hyat Superior plan, you can opt for a single or a joint life cover. The plan also offers a terminal illness benefit that covers specified illnesses.
  • Hyat Secure: Besides life coverage, the Hyat Secure plan also offers you the opportunity to build your wealth over the long term. One of the most notable features of this plan is that you get a guaranteed 85% return on contributions to help you protect your family and build a retirement corpus.

2. Term Plans

Salama term insurance plans aim to provide coverage as well as financial protection and security to the policyholder’s family in case of their demise.

The various term plans offered by Salama are mentioned below:

  • Hemaya Plus: One of the most affordable insurance covers, Hemaya plus offers financial protection to the policyholder’s dependents in case of any adverse event. This plan is highly flexible in that the policyholder can select their premium payment terms and coverage as per their choices.
  • Hemayati Plus: The Hemayati Plus plan can offer your family high-level protection at an affordable premium and with minimal requirements as well as an assured maturity bonus. This plan, for instance, has no medical eligibility requirement. Moreover, you need minimal paperwork to get this plan.

Features of Salama Life Insurance Plans

Here are the key features of the various insurance plans –

Whole Life Plans – Hyat Superior and Hyat Secure
Features Additional Benefits
  • Premium currency: AED and US Dollars
  • Free look period: 30 days from the date of issue of policy
  • Grace period: 90 days
  • Partial encashment after 3 years of paying the premium
  • Full encashment at any time (subject to encashment charges)
  • Cover for single or joint life
  • Critical Illness
  • Hospital cash benefit
  • Family income benefit
  • Accidental partial or total permanent disability benefit
  • Accidental death benefit
  • Waiver of contribution
Term Plans – Hemaya Plus
Features Additional Benefits
  • Premium currency: AED and USD
  • Free look period: 30 days from the date of issue of policy
  • Grace period: 90 days
  • Minimum payment term: 2 years
  • Family Takaful benefit if the policyholder passes away during the term of the policy
  • Critical Illness
  • Family income benefit
  • Waiver of contribution
  • Accidental death benefit
  • Accidental partial or total disability
Term Plans – Hemayati Plus
  • Plan tenure: 5, 10, 15 years
  • Amount contribution: Monthly/yearly
  • Up to 100% Guaranteed Maturity Bonus if no claims were registered till the end of the plan tenure

Benefits of Salama Life Insurance Plans

Salama Life Insurance plans offer numerous benefits, some of which are mentioned below:

  • Affordability – Salama Life Insurance provides a wide range of affordable plans, allowing you to secure your family’s financial future without compromising your current budget
  • Flexibility – The company offers flexibility to its customers in paying premiums. As a policyholder, you can select different timelines for making the premium payments such as yearly, quarterly, half-yearly, or monthly.
  • Variety – Salama Life Insurance provides numerous plans that can be modified to meet a diverse set of requirements. The options include savings, protection, and investment plans.
  • Customer Service – Salama Life Insurance customer service team comprises a team of highly-qualified Takaful professionals that are available round-the-clock and offer assistance in case of any emergency or query

Eligibility Criteria for Salama Life Insurance

Salama life insurance requires you to follow the below-mentioned eligibility criteria

Type of plan Whole Life Plans Term Plans
Plan Hyat Superior and Hyat Secure Hemaya Plus Hemayati Plus
Permissible Entry Age 18 – 64 years 18 – 74 years 18 - 55 years
Maximum Maturity age 100 years 100 years 70 years
Entity Individual and corporates Individual and corporates Individual and corporates


Q1. How can I contact Salama Insurance company?

Ans: You can contact Salama Insurance company using the toll-free number 800-725262 or drop an e-mail at info@salama.ae.

Q2. I want to purchase an insurance plan by Salama Life Insurance, but I cannot fully pay the entire premium. Can I make the payments in instalments?

Ans: Yes. You may make the payments in specific instalments such as yearly, quarterly, half-yearly, and monthly.

Q3. How can I track my claim status?

Ans: Tracking claims is simple and can be done through Salama's official website using your personal details and policy ID.

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