Verna Allee

 

 

 

 

ValueNet Works®          

Verna Allee Associates           

HAYAH products at a glance: protection, health, savings and employer schemes

HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), sells products in four areas: life protection, health, savings and employer schemes. This overview lists each product by name and what HAYAH says it does.

Life protection

  • HAYAH Term Life Protect: term life cover for terms of 1 to 35 years, with entry ages 18 to 79.
  • HAYAH Simple Life: term life cover with no medical exams required, for UAE residents aged 18 to 59.
  • HAYAH Kid Protect: continuity of school fee payments if a parent dies or becomes disabled, for children aged 3 to 18.

Health

  • HAYAH MyHEALTH: a modular International Private Medical Insurance plan with four levels of cover, offered with APRIL.

Savings

  • HAYAH Smart Saver: an online savings plan in US dollars with curated portfolios, for UAE residents aged 18 to 69.
  • HAYAH Simple Saver: an online savings plan with portfolios managed by BlackRock and a single annual fee that decreases as savings grow.
  • HAYAH Kids Saver: a savings plan for a child's education, activities, healthcare and future goals.
  • HAYAH Golden Visa Saver: an investment plan combined with health and life coverage for Golden Visa applicants.

Employer schemes

  • HAYAH Your Employee Protect (YEP): group cover for death, critical illness and disability.
  • HAYAH Your Employee Saver (YES): a savings scheme that lets employers ringfence end-of-service liabilities.

The details above come from hayah.com, checked on 3 November 2026. Eligibility, cover and terms differ by product and are set out in the policy documents.

A note on this article

This article is for informational purposes only and does not constitute financial, legal or insurance advice. Product terms, eligibility and fees change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).