--- title: Hemaya Plus - Family Takaful / Best Islamic Iife Insurance in UAE description: Hemaya Plus - a Family Takaful / Islamic Term Insurance Plan in UAE. It is similar to a conventional term insurance but built on strict Sharia principles. image: https://www.financialplanningindubai.com/hubfs/Hemaya%20Plus%20-%20Family%20Takaful%20%20Islamic%20Insurance%20in%20the%20UAE%20.png --- [![Financial_Planning_in_Dubai_logo](https://www.financialplanningindubai.com/hs-fs/hubfs/Financial%20Planning%20in%20Dubai%20Logo_9090-2.png?width=90&height=90&name=Financial%20Planning%20in%20Dubai%20Logo_9090-2.png "Financial_Planning_in_Dubai_logo")](https://www.financialplanningindubai.com/?hsLang=en-gb) - [Home](https://financialplanningindubai.com/) - [Blog](https://www.financialplanningindubai.com/blog) - [Services](https://www.financialplanningindubai.com/services) - [Islamic Investments & Takaful Plans](https://www.financialplanningindubai.com/blog/salama-hyat-plus-takaful-plan) - [Medical Insurance](https://www.financialplanningindubai.com/blog/topic/medical-insurance) - [Free Resources](https://www.financialplanningindubai.com/free-finanical-tools) - Tools - Calculators - [S&P 500 Investment Calculator](https://financialplanningindubai.com/sp-500-investment-calculator/) - [Life Insurance Calculator](https://www.financialplanningindubai.com/life-insurance-calculator) - [SIP Calculator](https://financialplanningindubai.com/sip-calculator/) - [Lumpsum investment calculator](https://www.financialplanningindubai.com/lump-sum-investment-calculator) - [Inflation Calculator](https://www.financialplanningindubai.com/inflation-calculator-uae) - [Net-Worth Calculator](https://www.financialplanningindubai.com/blog/free-personal-balance-sheet-template-networth-statement) - [The Best Budget Planner for Expats](https://www.financialplanningindubai.com/expat-budget-planner) [Book A Discovery Call](https://www.financialplanningindubai.com/meetings/damodhar?hsLang=en-gb) # Hemaya Plus - Family Takaful / Best Islamic Iife Insurance in UAE ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) 1 Mar 2015, 17:06:00 ###### [Salama Family Takaful,](https://www.financialplanningindubai.com/blog/topic/salama-family-takaful) [Salama Takaful Plan,](https://www.financialplanningindubai.com/blog/topic/salama-takaful-plan) [Takaful Plan Dubai,](https://www.financialplanningindubai.com/blog/topic/takaful-plan-dubai) [Takaful Plan UAE,](https://www.financialplanningindubai.com/blog/topic/takaful-plan-uae) [Hemaya Plus,](https://www.financialplanningindubai.com/blog/topic/hemaya-plus) [Islamic Insurance Dubai,](https://www.financialplanningindubai.com/blog/topic/islamic-insurance-dubai) [Islamic Life Insurance,](https://www.financialplanningindubai.com/blog/topic/islamic-life-insurance) [Islamic Term Insurance,](https://www.financialplanningindubai.com/blog/topic/islamic-term-insurance) [Life Insurance](https://www.financialplanningindubai.com/blog/topic/life-insurance) Hemaya Plus is a Life Takaful / Islamic Insurance Term Plan with unique riders from Salama - an Islamic Arab Insurance company. [![Hemaya Plus from Salama](https://www.financialplanningindubai.com/hs-fs/hubfs/Imported_Blog_Media/Arabic-Family-200x300-2.jpg?width=237&name=Arabic-Family-200x300-2.jpg)](http://eepurl.com/LocGL) It provides a Comprehensive and Affordable Family Takaful Coverage with Unique Riders. UAE residents can avail of this Life takaful plan on a Single life or Joint life basis. Salama is well known as the world's largest Takaful and Re-Takaful company, established in many countries, including Saudi Arabia, UAE, Egypt, Senegal, Jordan, Tunisia, Algeria, and Malaysia. In UAE, Salama offers Family Takaful Plans, Investment Plans for Retirement and Education savings, and other general protection plans. #### What is Hemaya Plus? Hemaya Plus is a Family Takaful Term Plan. It is similar to conventional term insurance but built on strict Sharia principles and approved by Sharia boards in the respective countries it operates. **It is designed to pay out;** - An agreed Family Takaful Benefit in the event of death or diagnosis of a terminal illness of the covered member during the term of the plan. - An agreed cash lump sum is paid on diagnosis of a critical illness covered by the policy if the benefit has been availed at the inception of the policy. #### How does the Plan work? Hemaya Plus is a simple and straightforward fixed-term Takaful Plan. It provides life takaful and other rider benefits during the term of the plan. Once the term is complete, there is no further cover, and there is no maturity value or cash surrender value. #### What are the minimum and maximum terms of cover? - Minimum age at the start of the plan must be 18 years - Maximum age at the start of the plan cannot be later than 74 years - Maximum age at expiry cannot be more than 100 #### Features of Hemaya Plus Takaful Plan / Islamic Insurance - Resident Individuals or corporations can avail of this plan - You can avail the plan in AED or USD - Payments can be single or regular - Premium options are Monthly, Quarterly, Semi-Annual or Yearly #### Additional Benefits or Riders of Hemaya Plus Takaful Plan  1. Accidental Death Benefit, in addition to basic life cover for individuals who are prone to accidents at work or travel extensively 2. Critical Illness Benefit - Covers up to 36 Critical Illnesses for up to USD 1.25 Million 3. Permanent and Total Disability Benefit 4. Waiver of Contribution 5. Accidental Total or Partial Disability Benefit 6. Family Income Benefit, a unique rider paying out regular cash for an agreed term on the death of the covered member #### Why Choose Hemaya Plus Term Plan? 1. Offers Unique riders like Family Income Benefit 2. Term Plan offering cover unto age 100 3. Offers Accidental Total or Permanent Disability Benefits 4. Affordable Premium 5. Approved by Sharia boards To learn more about Hemaya Plus Term Life Takaful Plan, [Click here to schedule a quick call or a free initial meeting.](https://damodhar.agilecrm.com/calendar/damodhar_mata) ![Damodhar Mata](https://app.hubspot.com/settings/avatar/e63bc971ec29ebe6c012fd042c1a8215) [Damodhar Mata](https://www.financialplanningindubai.com/blog/author/money-mata-aka-damodhar-mata) Author, Blogger & Independent Financial Advisor. My goal is to give you actionable tools for creating passive income and building wealth. More than 10,000 expats have already used my ideas to jumpstart their journey towards financial independence. Connect with me to start yours... Share this article on [mailto:?subject=Check%20out%20Hemaya%20Plus%20-%20Family%20Takaful%20/%20Best%20Islamic%20Iife%20Insurance%20in%20UAE%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/hemaya-plus-best-islamic-iife-insurance-in-uae](mailto:?subject=Check%20out%20Hemaya%20Plus%20-%20Family%20Takaful%20/%20Best%20Islamic%20Iife%20Insurance%20in%20UAE%20&body=Check%20out%20https://www.financialplanningindubai.com/blog/hemaya-plus-best-islamic-iife-insurance-in-uae) ##### Read more - [The Real C-Suite – The Only Title That Matters 🏆](https://www.financialplanningindubai.com/blog/breadwinner?hsLang=en-gb) - [The Wealth Secret 99% of Investors Ignore – Will You?](https://www.financialplanningindubai.com/blog/the-iceberg-of-investing?hsLang=en-gb) - [From Risk to Reward? 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Before we review the Hyat Plus plan, let us... [Read More](https://www.financialplanningindubai.com/blog/salama-hyat-plus-takaful-plan?hsLang=en-gb) [![Life Insurance in UAE: Simple Guide to Protecting Your Family's Future](https://www.financialplanningindubai.com/hs-fs/hubfs/Life-Insurance-2.jpg?width=300&name=Life-Insurance-2.jpg)](https://www.financialplanningindubai.com/blog/simple-guide-to-life-insurance-in-uae?hsLang=en-gb) ###### [Life Insurance Dubai,](https://www.financialplanningindubai.com/blog/topic/life-insurance-dubai)[life Insurance in UAE](https://www.financialplanningindubai.com/blog/topic/life-insurance-in-uae) ##### [Life Insurance in UAE: Simple Guide to Protecting Your Family's Future](https://www.financialplanningindubai.com/blog/simple-guide-to-life-insurance-in-uae?hsLang=en-gb) Understanding Life Insurance  [Read More](https://www.financialplanningindubai.com/blog/simple-guide-to-life-insurance-in-uae?hsLang=en-gb) [![How to Enhance the Scope of your Mortgage Insurance in Dubai.](https://www.financialplanningindubai.com/hs-fs/hubfs/Imported_Blog_Media/151021_VALUSTRAT_infographic-1024x672-1.jpg?width=300&name=151021_VALUSTRAT_infographic-1024x672-1.jpg)](https://www.financialplanningindubai.com/blog/2015/11/01/mortgage-insurance?hsLang=en-gb) ###### [Mortgage Insurance](https://www.financialplanningindubai.com/blog/topic/mortgage-insurance) ##### [How to Enhance the Scope of your Mortgage Insurance in Dubai.](https://www.financialplanningindubai.com/blog/2015/11/01/mortgage-insurance?hsLang=en-gb) When availing a mortgage it mandatory to buy life insurance, which pays out the outstanding... 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