Third-Party Liability (TPL) is the minimum legal requirement and covers injury or damage you cause to others. Comprehensive insurance includes TPL and also covers damage to your own vehicle from accidents, theft, and fire.

Agency repair is an optional add-on for comprehensive policies, allowing your car to be fixed at the manufacturer's official dealership. It is typically available for the first 3-5 years of a vehicle's life.

A No Claims Discount is a discount on your renewal premium that you earn for every year you do not make a claim on your policy. It's the insurer's way of rewarding you for being a safe driver.

Many comprehensive policies include coverage for travel to Oman as an optional add-on. You must ensure you have this extension (often called an "Orange Card") before traveling to be covered.

This is an important benefit that provides a lump-sum compensation in the unfortunate event of death or permanent disability resulting from a car accident. It can cover both the driver and the passengers.

Most comprehensive insurance policies include 24/7 roadside assistance as a standard benefit. This service can help with breakdowns, flat tires, battery jump-starts, and towing.

First, ensure everyone is safe. Then, move your vehicle to a safe location if possible and report the incident to the police immediately to obtain a police report. In Dubai, you can use the Dubai Police app for minor accidents. A police report is mandatory for processing any insurance matters. Our consultants are available to guide you through the necessary steps and answer any questions you may have.

If you make an "at-fault" claim, you will likely lose your No Claims Discount, which can increase your premium at the next renewal. For "non-fault" claims where the other party is responsible, your NCD is usually not affected.

These are optional add-ons. Off-road cover protects your vehicle against damages sustained while driving on unpaved roads or deserts. Natural calamity cover protects against damage from events like floods, storms, and hailstorms.

This is an optional benefit. You can add "rent-a-car" or "loss of use" cover to your comprehensive policy, which provides you with a replacement vehicle or a daily cash allowance while your car is being repaired after an accident.

Yes, but you must declare all modifications to the insurer. Failure to do so can invalidate your policy. Some modifications may lead to a higher premium, and certain high-performance modifications might not be covered by all insurers.

The value of your car, known as the Insured Declared Value (IDV), is its current market value. This is the maximum amount the insurer will pay out if your car is declared a total loss. It decreases each year due to depreciation.

Yes, health insurance is mandatory for all residents in the UAE. Employers are required to provide coverage for their employees, and individuals are responsible for covering their dependents (e.g., spouse, children, parents).

A pre-existing condition is any illness or health issue you had before your health insurance policy started. Most policies cover these conditions after a specific waiting period (usually 6 months).

In-patient cover applies to treatments that require admission to a hospital (e.g., surgery, overnight stays). Out-patient cover applies to treatments that do not require hospital admission, such as doctor's consultations, lab tests, and pharmacy prescriptions.

A deductible is a fixed amount you pay for your treatment before the insurer pays. A co-payment is a percentage of the total bill that you share with the insurer for every claim. For example, with a 20% co-payment on a AED 1,000 bill, you pay AED 200 and the insurer pays AED 800.

When you visit a hospital within your insurer's network, you can avail of cashless service. You simply present your insurance card, and the hospital communicates directly with the insurer to settle the bills (except for any applicable deductible or co-payment).

Maternity cover is a standard benefit in most comprehensive health plans in the UAE, but it often has a waiting period (e.g., 6-12 months). It's important to check the terms and coverage limits for pre-natal, delivery, and post-natal care.

Yes, as a sponsor in the UAE, you are required to provide health insurance for your parents. You can either add them to a family plan (if the insurer allows) or purchase a separate individual plan for them. We offer specialized "Elderly" plans for this purpose.

Basic health plans usually do not cover dental and optical treatments. However, they are available as optional add-on benefits in more comprehensive plans. Coverage limits and services vary widely, so it's important to check the policy details.

An insurer's network is a list of hospitals, clinics, and pharmacies where you can receive cashless medical services. Using a provider outside this network usually requires you to pay upfront and then claim for reimbursement.

Yes, you can upgrade your plan to include higher benefits or a wider network. The best time to do this is during your policy renewal to ensure a smooth transition without any gaps in coverage.

It depends on your plan. Many comprehensive plans offer geographical coverage that includes international emergency medical treatment. Simpler plans might be limited to the UAE only. It is crucial to check your policy's geographical scope before traveling.

Each Emirate has its own health authority (like the DHA in Dubai and DOH in Abu Dhabi) that regulates health insurance providers and policies to ensure they meet the mandatory legal standards for residents.

The primary mandatory insurances are Group Health Insurance for all employees (and their dependents, depending on the Emirate and company policy) and Workmen's Compensation insurance to cover workplace injuries.

This is a single policy that provides health coverage for all employees of a company. It's often more cost-effective and easier to manage than individual policies and is a legal requirement for employers in the UAE.

This policy covers medical expenses, loss of wages, and provides compensation for disability or death if an employee suffers an injury or illness arising from their work.

PI insurance protects businesses that provide professional advice or services (like consultants, lawyers, architects) against claims of negligence or mistakes that cause financial loss to a client.

This insurance covers your business against claims for injury to a third party (like a customer) or damage to their property that occurs on your business premises or as a result of your business operations.

This policy protects your business's physical assets, such as buildings, equipment, stock, and furniture, against a wide range of risks including fire, theft, flood, and accidental damage.

The minimum number of employees can vary by insurer, but typically, group plans are available for businesses with as few as 2-3 employees. Our platform connects you with insurers offering solutions for businesses of all sizes, and our consultants help you find the most suitable options.

Yes, most group health plans can be extended to cover employees' dependents (spouses and children). In some Emirates, providing coverage for dependents is also a mandatory requirement for the employer.

D&O insurance protects the personal assets of a company's directors and officers against legal claims made against them for alleged wrongful acts or decisions made in their managerial capacity.

If your business owns multiple vehicles (e.g., delivery vans, company cars), fleet insurance allows you to cover all of them under a single policy. This is often more cost-effective and easier to manage than insuring each vehicle individually.

Premiums are based on several factors, including the type and size of the business, the industry (risk level), the number of employees, the level of coverage chosen, and the company's claims history.

Corporate insurance can be complex, but our platform simplifies the process. We analyze your business's unique requirements and present competitive quotes from multiple leading insurers. Our expert consultants help you understand different coverage options, compare benefits and pricing, and select a comprehensive insurance program that protects your business effectively while optimizing costs. We provide ongoing support to ensure your coverage evolves with your business needs.

The primary purpose of life insurance is to provide a tax-free, lump-sum payout to your loved ones (beneficiaries) in the event of your passing. This financial safety net can help them cover debts, mortgage payments, living expenses, and future goals like children's education.

Term Life insurance provides pure protection for a specific period (e.g., 10, 20, or 30 years) and is generally more affordable. Whole Life insurance provides lifelong coverage and includes a cash value savings/investment component that grows over time.

A common rule of thumb is to have coverage that is 10-15 times your annual income. However, the ideal amount depends on your individual circumstances, including your debts, number of dependents, and future financial goals. Our consultants can help you calculate the precise amount you need and compare policies that match your requirements.

Critical Illness cover is a vital add-on or standalone policy that pays out a lump sum if you are diagnosed with a specific serious illness, such as cancer, heart attack, or stroke. This money can be used to cover medical bills, supplement lost income, or adapt your lifestyle.

Yes, absolutely. Many insurers in the UAE offer life insurance policies specifically for expatriates. Many of these policies are internationally portable, meaning your coverage can continue even if you move to another country.

The beneficiary is the person or people (e.g., spouse, children, or a trust) you designate to receive the payout from your life insurance policy in the event of your death.

While the primary benefit is the death payout, many policies offer "living benefits." Add-ons like Critical Illness cover, Total and Permanent Disability cover, and Terminal Illness cover can provide a payout while you are still alive if you suffer a qualifying event.

It depends on the coverage amount, your age, and your health history. For smaller coverage amounts, many insurers offer policies based on a health questionnaire alone. For larger amounts or if you have pre-existing conditions, a basic medical check-up may be required.

Premiums are based on risk factors including your age, gender, health status (including smoking habits), occupation, and the amount and term of coverage you choose. Younger, healthier individuals typically pay lower premiums.

If you stop paying premiums for a term life policy, it will lapse, and your coverage will end. For a whole life policy with cash value, the policy might continue for a period using the accumulated value, or you may have other options available.

Yes, you can have multiple life insurance policies. People often do this to cover different needs, such as one policy for mortgage protection and another for income replacement for their family.

In the UAE, the proceeds from a life insurance policy paid to a beneficiary are typically not subject to income tax, providing the full benefit to your family when they need it most.