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Essential Benefits Plan

Dubai
Affordable coverage for essential health-related services.
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Unique plan for Dependents
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Delighted Care Plans

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Comprehensive health coverage for UAE residents.
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Smart Term Life

A straightforward, hassle-free life insurance plan for all.

*Discontinued for new business from 7th April 2023

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Smart Critical Illness

The plan gives Immediate support when you need it most.

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Infinity Life

A unit-linked, flexible, variable, universal policy for everyone.

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Super Secure

Savings Oriented Unit Linked Insurance Policy.

*Discontinued for new business from 15th October 2020

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Flexi Life

A two-pronged approach for financial security and growth.

*Discontinued for new business from 15th October 2020

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Single Premium Plan

A hassle-free, unit-linked, pro-investment policy for all.

*Discontinued for new business from 15th October 2020

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Travel Insurance

Provides comprehensive protection from all travel pitfalls.
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Home Insurance

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Plan secure your home from unexpected calamities.
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Home Insurance

Contents and Belongings
A hassle-free plan that secures your home and all your belongings.
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Yacht Insurance

Extensive coverage for smooth sailing.
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Group Life

Financial security for your employees and their families.
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Corporate Plan

UAE
Innovative solutions for superior coverage at low costs.
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Essential Benefit Plan

UAE
Affordable coverage for essential health-related services.
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Pioneer Plus Plans

UAE
Range of different plans available across the UAE for SMEs.
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Property All Risks

Safeguard your property from any sort of unexpected calamity.
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Business Interruption

Protection against losses caused by business interruptions from property damage.
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Fire and Allied Perils

Extensive coverage against losses caused by a wide range of events.
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Hull and Cargo Liability

Secure both your vessel and the cargo it carries with UIC.
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Hull and Machinery

Secure your vessel against physical damage to its hull and machinery.
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Marine Cargo

Secure your cargo in-transit at affordable rates with UIC.
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Contractors All Risks

Coverage against a wide range of risks, from natural disasters to employee injury.
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Erection All Risks

Provides security for setting up factories, industries, or manufacturing facilities.
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Contractors Plant and Machinery

An annual cover for contractors on multiple project sites.
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Electronic Equipment

An all-risk policy for losses affecting electrical and electronic devices.
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Machinery Breakdown

Effective covers for expensive plants, machinery, and mechanical equipment.
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Deterioration of Stock

Coverage for losses caused by the deterioration or contamination of stock.
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Employers Liability

Protects employers from financial liabilities caused by wrongful claims/compensation.
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Fidelity Insurance

Protect your business from losses caused by fraud or the actions of dishonest employees.
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Medical Malpractice

Coverage against liability for medical professionals, hospitals, and clinics.
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Personal Accident Insurance

Protect the financial interests of your business and employees from workplace mishaps.
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Professional Indemnity

Coverage against liability arising from professional negligence or errors.
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Public Liability

Cover your legal liability against third party injury and/or property damage.
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Money Insurance

Essential protection from losses caused by robbery or theft.
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Workmen's Compensation

Protect your business from risks arising from employee work-related injuries.
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Cyber Risks Liability

Coverage against business liabilities caused by cyber attacks, phishing, and other IT threats.
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Personal / Life Insurancekeyboard_arrow_down

Life Insurance

We all have people we care about, and it’s human nature that we want to protect them even when we’re not around.

The Union Insurance Life Insurance policy is perfectly tailored to support your loved ones meet their financial commitments, whether that would be mortgage repayments, school fees, unpaid debt or other expenses. Our comprehensive coverage is designed to provide your family with firm support through every contingency.

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Infinity Life

The Infinity Life policy offered by Union Insurance is a unit-linked, flexible, variable, universal life insurance policy. It has a two-fold purpose: to function like a traditional life insurance product, while simultaneously providing investment opportunities for financial growth. As a result, it doesn’t just help in providing a safer future for you and your family, it also enables you to strive for a better one.

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Key Benefits

  • Four special inbuilt features comprising the following:

    • Second Opinion Benefit
    • Accelerated Death Benefit
    • Passive War Risk Cover
    • Family Travel Cover

  • Flexibility in the form of optional benefits, in addition to the inbuilt features, that consist of the following:

    • Accelerated Critical Illness Benefit
    • Permanent And Total Disability Benefit
    • Waiver of Premium Benefit – Permanent and Total Disability or Death
    • Waiver of Premium Benefit – Involuntary Loss of Employment Benefit
    • Level Term Benefit
    • Pilgrimage Benefit
    • Hospital Cash Benefit
    • Family Income Benefit – Permanent and Total Disability or Death
    • Family Income Benefit  – Critical Illness
    • Long Term Care Benefit
    • Accidental Death Benefit
    • Fresh Start Option

  • Loyalty Bonus

  • Persistency Bonus

  • Benefit Highlights

Our Team

We have a dedicated and well-organized team set-up, comprising specialized teams for specific solutions, as well as customer support to provide you with assistance whenever you require it.

An experienced operations team to implement processes and programs that ensure helpful solutions, tailored to our clients’ specific needs.

A strong technical and analytical underwriting (UW) team with rich experience in risk assessment and analysis, to help both individuals and employees purchase health insurance products.

A dedicated client services team that fulfills our client-centric approach through its dedication to providing support to clients, incorporating their feedback.

A highly experienced claims team that develops and executes a highly efficient claims process without delay.

Claims Process

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Claim intimation

Report Report White

Submit Documents

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Claim Processing

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Claim approved

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FAQs

  • Can my partner and I have the same policy?addremove

    Yes, the policy is available in the following forms: single life (first death) or joint life (first death or death of both)

  • What are the additional offers included in the policy, apart from the benefits mentioned?addremove

    - Persistency Bonus, calculated as a percentage of the policy account value, added from the policy commencement date and each month thereafter, for as long as the policy is in force.

    - Loyalty Bonus, starting from the 10th anniversary of your policy, and each policy anniversary thereafter, added to your policy account and calculated as a percentage of the current policy account value for the relevant anniversary.

  • What if I want to discontinue the policy before the end of its term?addremove

    A surrender charge will apply.

  • Can I change my payment frequency during the policy term?addremove

    Yes, you may change the frequency of payment of regular premiums as at any Policy anniversary prior to the Due Date

  • What methods of payment do you accept?addremove

    We accept premium payments in the following formats:

    1. Direct debits (including automated payments)
    2. Post-dated cheques
    3. Credit cards
  • What happens if I miss a premium payment?addremove

    We offer a 90-day grace period that gives you relief from payments during uncertain phases in your life, after which your policy status will change, subject to terms and conditions.

  • Are there any charges on the payment method?addremove

    Charges may be applicable. Credit card payments raised by a credit card clearing center are covered by Union Insurance during the first year of the policy.

  • What if I need to withdraw some money?addremove

    You will need to send a written request for the partial withdrawal of cash from your account after the Initial Contribution Period, subject to terms and conditions.

Related Products

Super Secure

Smart Term Life

Infinity Life

Flexi Life

Single Premium Plan

Smart Critical Illness

phone 800 UIC4U (84248)