Watania Takaful’s Family Takaful (Islamic Insurance) ensures your loved ones are financially protected in the event of unforeseen circumstances. Flexible contributions allow you to tailor your plan to your family’s needs while benefiting from Shari’ah-compliant Takaful (Islamic Insurance) management.
By combining long-term financial security with growth potential, Watania Takaful provides families with peace of mind, transparency, and sustainable protection for the future.
Need help choosing the best option? Contact our team today for expert guidance.
Anyone who is a UAE national or has a UAE residence visa is eligible to apply.
Coverage is global, so you can keep the policy if you leave the UAE or your death occurs overseas.
Age limits for taking out coverage range from 18 to 70 depending on the policy as detailed below.
policies are affordable and highly flexible high-sum protection funds with options to pay for a limited number of years and be covered to the age of 90.
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SmartSave policies have a higher minimum monthly Contribution and benefit from an up-front bonus of 75% of the first-year Contribution. They are ideal for saving needs such as children’s education or marriage.
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policies allow partial withdrawal after two years and are ideal for anyone with a saving time frame of up to 20 years.
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plans suit anyone looking for an affordable death benefit only policy, with options for critical illness and total or partial disability. They are very cost effective for short-range goals such as coverage to pay off a loan, protect a partnership or business, or repay a mortgage.
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In all our life policies, we partner with top quality Shari’ah-compliant investment funds designed to grow your savings and life insurance pots.
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We offer options for additional level term insurance, coverage for accidental death and permanent or total disability, and accelerated critical illness cover, depending on which policy you take out.
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The following exclusions apply:
- Suicide within one year from the Certificate commencement date
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Fund Performance
Funds FactsheetsWatania Takaful is one of the UAE’s leading companies and is regulated by the Central Bank. It is one of the largest Takaful (Islamic insurance) company in the country and one of the top 10 largest among all insurers.
Watania Takaful comprises Watania Takaful General PJSC and Watania Takaful Family PJSC, which are wholly owned subsidiaries of Watania International Holding PJSC (WIH). WIH is listed on Dubai Financial Market.
We offer a wide range of cover for individual and business clients including SMEs.
Individual cover:
Business cover:
We are dedicated to serving you better and settling claims faster. And we have the resources to achieve this following a company merger that made us one of the country’s leading Takaful companies in 2022.
- Customer service is our number one priority
- Outstanding record in settling claims
- A UAE leader in insurance tech and innovation
- Deep roots in national insurance industry
- Created by 2022 merger of two Takaful powerhouses
- National reach
- Broader product range
As a Takaful company we operate in accordance with the teachings of Islamic Shari’ah. Our business is conducted with oversight by our Internal Shari’ah Supervision Committee comprising leading Islamic scholars.
Our core values include empathy, integrity, responsiveness and simplicity.
We are a long-established UAE Takaful provider (Islamic Insurance provider). Our roots go back to the founding of Dar Al Takaful in Dubai in 2008 and National Takaful Company (Watania) in 2011 in Abu Dhabi.
Dar Al Takaful acquired Noor Takaful in 2020 and then merged with National Takaful Company (Watania) in 2022 to form Watania International Holding (WIH), which owns Watania Takaful.
Most of our policies include a savings plan to help you grow your wealth, combined with Family Takaful (Life) during the term of the policy. These policies include payments to a beneficiary on death of a Participant, and lump sum payments at the end of a term to a surviving Participant. Contribution amounts and term lengths can vary according to need.
Some other policies are purely Family Takaful (Life). We provide a wide variety of coverage that can be flexible to suit your needs.
Anyone who is a UAE national or has a UAE residence visa is eligible to apply.
Yes, you can maintain your policy even if you become a non-resident unless you reside in a UN sanctioned or high-risk country. Please check with Watania Takaful if there is a change in your residency status.
Yes, Watania Takaful’s life and family plans offer you global coverage except when you are travelling in a UN sanctioned or high-risk country.
You can opt for the benefits to be distributed as per Shari’ah or you can select your first-degree relatives as your beneficiaries. In case of business protection plans, the surviving partner or the company itself can be the beneficiary.
No, the beneficiary does not need to be a resident of the UAE.
Yes, you can pay for your policy from overseas.
No, the beneficiary does not need to travel to UAE to raise a claim.
Yes, the beneficiary can receive payment overseas except in UN sanctioned countries.
Yes, you can buy multiple plans
You may be required to undergo medical check-ups to sign up for a life or family policy. Any such check-up will be paid for by Watania Takaful.
They are invested into a fund or funds independently managed by respected institutions and approved by Watania Takaful in line with Shari’ah principles. The funds are designed to achieve a positive financial performance while safeguarding the best interests of policyholders and beneficiaries. Investment strategies range from Moderately Cautious to Aggressive.
Contributions can be made in AED or USD.
Yes, depending on the terms of the plan. For example, Contributions can sometimes be made monthly or annually.
No, everyone is welcome to purchase a plan regardless of their belief. They are highly competitive with conventional insurance plans and deliver an excellent range of benefits.
Yes. Please contact a Watania Takaful service agent who will explain the straightforward and streamlined process.
We are flexible where possible depending on which plan is involved.
The plan may lapse in some circumstances. Please check your policy or contact a customer service agent.
Contact local emergency services at once. Then contact us on 800 – WATANIA (9282642)
for advice on obtaining medical care and arranging payment. Keep records of all medical expenses and communications for your claim.
Our claim handlers will review your claim at regular intervals and contact you when necessary.
Your claim will be allocated to one of our claims handling teams.
No, settlement by cash or cheque is not available.
We settle claims as quickly as possible.
Our claims process is streamlined and simple. To submit a claim, you need to provide the required information by:
- Filling in our online Claim Form
- Contacting our Call Centre on 800 – WATANIA(9282642)
- Emailing info@watania.ae
- Or you can submit a claim in person at any of our offices
- Submit your claim online through our Claims Portal