Terms & Conditions



These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions.

Please note that for product purchase purposes this website is intended for use by residents of the UAE whilst in the UAE only. Product purchases are not applicable to residents/investors of other countries because the law in other countries may restrict the distribution of the information and products on this website. For the avoidance of doubt none of the information on this website constitutes an offer to contract in any countries in which it is available.

For information and communication purposes, the website is intended for use by all existing customers.


This site is provided by HAYAH Insurance Company P.J.S.C. (“HAYAH”).

HAYAH is registered at the Central Bank of the United Arab Emirates, with registration number 83 dated 16th September 2008 and its head office at Floor 16, Sheikh Sultan Bin Hamdan Building, Corniche Road, P.O. Box 63323, Abu Dhabi, United Arabic Emirates; and branch at Office 103, Offices 5, One Central, Dubai World Trade Centre, Dubai.

Some of the information available on this website has been provided by other companies. Separate terms and conditions govern that information and these are available when you access the relevant pages within the websites of those companies.

This website may also contain hypertext links to websites operated by other third parties. The responsibility for those websites belongs to the third parties who are identified as operating those websites. Separate terms and conditions will also apply to those websites.


HAYAH will endeavor to ensure that this website is accessible for 24 hours a day but will not be liable if‚ for any reason‚ the website is unavailable for any time or for any period. HAYAH will have the right to suspend access to the site temporarily or permanently and without notice.

HAYAH will not be liable for any loss or damage arising in contract‚ tort or otherwise if this website is unavailable or is suspended for any reason.


The information contained on this website is provided for information purposes only and HAYAH will use reasonable care and skill to ensure that it is accurate at the date of publication. However‚ because of the nature of the internet‚ there may be circumstances in which errors occur within the information. Consequently, HAYAH makes no warranty as to the accuracy of any information on this website and cannot accept liability for any errors or omissions within it.


HAYAH will take all reasonable steps to ensure that any information you provide via email on this website is kept secure‚ but please remember that because of the nature of the internet‚ the security of emails cannot be guaranteed. Consequently, your privacy cannot be guaranteed. There is no guarantee that any emails sent will be received by us.
Additional information regarding the security of personal data and the use of cookies is available in our privacy policy.


HAYAH accepts no responsibility for the content of or your use of any website which is accessed via a hypertext link from this website.
HAYAH cannot warrant that this website is free of viruses or technical defects of any description and accepts no responsibility for any technical problems arising from your use of this website.

Copyright and other Intellectual Property Rights

HAYAH owns the copyright and all other intellectual property rights existing on or within this website.
You are not permitted to download‚ print‚ redistribute or extract any information from this website other than for your personal and non-commercial use.
You are not permitted to reproduce‚ modify or in any way change any of the information available on this website.

Data Protection and Privacy

Any personal information you supply to HAYAH via this website will be treated in accordance with the United Arab Emirates’ data protection laws.
Additional information regarding the privacy of personal data‚ and the use of cookies is available in our privacy policy.

Applicable Law

HAYAH have established this website in the UAE. UAE law shall govern its use at all times and in the event of a dispute the parties shall irrevocably submit to the exclusive jurisdiction of the courts of the UAE.

We may revise the Terms and Conditions of Use at any time by amending this page. Please check this page from time to time to take notice of any changes we make, as they are binding on you.

Policy Updates

These terms and conditions were last updated in March 2022.