Watania Takaful’s Personal Accident Takaful (Islamic Insurance) provides Shari’ah-compliant Takaful (Islamic Insurance) coverage that includes medical treatment, hospital stays, rehabilitation, and loss of income due to accidents. This plan is ideal for individuals and families seeking reliable protection against unforeseen incidents.
With transparent claims handling and comprehensive coverage options, Watania Takaful ensures financial support and peace of mind when you need it most.
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 for personal accident cover, as long as they are between the ages of 18 and 65.
upon the death of the participant to their beneficiary/ies depends on the sum agreed when the Takaful certificate is taken out.
Payouts to the participant for permanent disablement include:
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Watania Takaful is not liable under its personal accident Takaful certificates for death or disablement arising from matters including:
Read moreWatania 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.
Our certificates provide financial protection in the event of accidental death or permanent injury due to an accident. Events covered include road accidents, slips and falls, burns, drowning and other unforeseen occurrences.
Anyone who is a UAE national or has a UAE residence visa is eligible to apply for a personal accident certificate.
Personal accident Takaful is especially recommended for those with physically demanding jobs, frequent travelers, or anyone looking for extra protection beyond health and life Takaful.
While health Takaful covers medical expenses for illnesses and injuries, personal accident Takaful specifically provides financial benefits for particular injuries or death caused by accidents. It does not cover hospital expenses as such.
Yes, certificate holders must be between the ages of 18 and 65.
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