Union Insurance

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 they include mortgage repayments, school fees, unpaid debt or other expenses. Our comprehensive coverage is designed to provide your family with firm support through every contingency.

Smart Critical Illness

Your health matters. Managing finances after being diagnosed with a critical illness is often difficult, if you don’t have the right insurance solution, which is why it’s always a good idea to protect yourself preemptively. When it comes to a serious ailment, it is crucial to receive support as soon as possible. Smart Critical Illness policy benefits are paid on the first occurrence of any of the covered critical illnesses.

  • Benefit Highlights

Key Benefits

Covers wide range of Critical Illnesses

including Cancer, Heart Attack, Stroke, Bypass Surgery, Renal Failure, Coma, Paralysis, Loss of Limbs, Major Organ Transplant and Multiple Sclerosis.

Worldwide coverage,

applicable 24x7 during the policy term.

A cover of up to AED 800,000

for any diagnosis of a critical illness mentioned under the policy terms or not specifically excluded by the policy.

A 5 year policy period

with the added comfort of a fixed premium and a hassle-free annual payment mode.

An easy enrolment process

that doesn’t require medical tests or examinations

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.


  • What is the claim notification period?addremove

    Within 30 days from the date of diagnosis of the critical illness.

  • What is the time frame for submitting the claim documentation?addremove

    In the event of a death, documents should be submitted within 90 days unless an extension has been provided by the company. 

  • What are the documents needed to make a claim?addremove
    • Certificate of insurance
    • A medical diagnostic report from an authorised medical practitioner recognised by relevant authorities 
    • Police report (wherever legally required)
    • A copy of your passport with the valid visa page (in the case of expatriates) or national identity card (in case of nationals)
    • Any other documents that may be required to substantiate the claim
  • Who is eligible for this plan?addremove

    Individuals between the ages of 18 and 60, holding a valid United Arab Emirates residence visa. Please note the plan will be terminated when you reach the age of 65. 

  • What is the benefit covered under this policy?addremove

    A lump sum payment on the diagnosis of a covered critical Illness, or one not excluded under the terms of the policy. The illnesses covered include:


      • Cancer
      • Coronary artery bypass surgery
      • Multiple Sclerosis 
      • Stroke
      • End-stage kidney failure 
      • Paralysis 
      • Coma
      • Heart attacks
      • Major organ transplants
      • Loss of limbs 
  • Can I cancel this policy?addremove

    Yes. If you find the plan does not suit you, you may request a cancellation through the Free Look Cancellation Form which is provided with your policy. It should be signed by policyholders and received by us within the free-look period, i.e. 30 days from the policy commencement date. Please note that while you will receive a full refund, Union Insurance reserves the right to decline a second application should you change your mind. 

  • What will be the commencement date of my policy?addremove

    The date on which Union Insurance receives your signed application form with the receipt for the first premium payment. You will, of course, receive an acknowledgement.

  • What are the USPs of this insurance policy?addremove
    • 24x7 worldwide coverage of up to AED 800,000
    • Hassle-free enrolment; no medical tests are required.
    • A 5 year policy period with a fixed premium
    • A simple annual payment mode
  • Can the policy be terminated against my wishes?addremove

    Yes, but only in the following situations:

      • If you are no longer eligible to be insured
      • If the required premium has not been paid within the stated grace period
      • If your benefit, extending to the principal sum, has been paid to you
      • After you cross the age of 65
      • If you no longer hold a valid UAE residency visa 


  • What if I have a similar policy with another insurance provider?addremove

    This plan is independent of any other critical illness policies you hold.

  • Who is eligible to submit a claim under this policy?addremove

    The life assured or their legal representative.

  • Can I cancel this policy and will I get a refund if my annual premium has been paid?addremove

    You can cancel the policy anytime, and 50% of the unearned premium shall be refunded for the remaining months of cover.

  • What is the frequency of premium payment?addremove

    Payments are made in annual instalments. 

Related Products

phone 800 UIC4U (84248)