Car Insurance in Dubai

Car Insurance in Dubai

So !!! your car insurance is about to expire, and it is that time of the year when you dread going out to shop for car insurance.

Car Insurance in Dubai

You want the best value for money but don’t have the patience to shop for the best car insurance in Dubai. Finding the best car insurance in Dubai is not easy.

There are lots of insurance providers who offer car insurance in Dubai, but how how do you know which offer is the best for you?

Car Insurance in Dubai – The Problem

• How do you know who is the cheapest car insurance provider?
• How many providers do you need to get a quote from to get a fair comparison?
• How many providers will you approach for a quote before you get fed up?
• Will you get a volume discount when you are only getting quotes for one car? Obviously not.
• Who will help you judge which car insurance quote is the best value-for-money?
• Are the benefits offered the same?
• Is there a no-claims discount possible?
• Is off-road cover important and/or necessary?
• Is Oman and/or GCC coverage required?
• Are events such as storms, flood, riots and civil commotion covered? Are they important?
• Who can offer impartial advice for free?

Finding the best car insurance in Dubai isn’t difficult anymore.

Car Insurance in Dubai – The Solution

Car Insurance in Dubai – Benefits of dealing with a broker

• As Independent insurance brokers we represent you as a client, not the car insurance companies.
• We are the biggest insurance brokerage in the region with huge volume discounts with the providers which we pass on to you.
• Our advice is impartial, and best of all – FREE.
• We only associate ourselves with the best insurance providers in the region in terms of quality of service and price. This gives you peace of mind.
• We can get you three or more car insurance quotes based on your requirements within a day or two, while you are in the comfort of your home.
• All the required documentation for the car insurance can be sent electronically, which means you don’t have to visit our office except to collect the policy.
• You can pay using credit cards for convenience.
• You will never pay us a single dirham – you pay the provider directly and you contract is with the provider directly not with us.
• Single point of contact – you NEVER have to approach the provider directly for service or claims. We have a dedicated hotline for all your insurance servicing needs including claims.
• Renewal of your car insurance policy and getting no claims discount is all done by us.

If you value peace of mind and less heartaches, just fill up the form below and we will do the rest. Finding Car Insurance in Dubai has never been easier, just fill out the form below and my team will arrange it for you.

Life Insurance in Dubai

Life Insurance in Dubai

Most expats in Dubai are here for the short to medium term i.e. 3-10 years. Some even stay more than 15 years or more. When they cross the 3-year mark, chances are that they will stay longer in Dubai.

Life insurance in Dubai

Common mistake expats in Dubai make with their insurance planning -

1. Many expats put off taking Life Insurance in Dubai because they think that if they are here for a short period, and think that continuing the life insurance policy from another country would get difficult – Life insurance policies from reputed international companies are always portable and can be continued from any country in the world which supports international bank accounts or credit cards.
2. Putting of Life Insurance planning in the short term is very dangerous because if the expat were to die in the UAE or be involved in an accident, he/she would be leaving their surviving dependents exposed to an high amount of risk through the loss of income from the earning member.
3. Taking life insurance too late in life. The cost of insurance increases significantly as you age and the earlier you consider life insurance in Dubai, the cheaper it gets.

Key points to consider when getting Life Insurance in Dubai -

1. Source of planning advice – The source of advice is very important when making any major decision in life, especially one that involves Life Insurance in Dubai.
• Banks are financial institutions and not insurance specialists. They are not the right source for taking insurance planning advice or policies.
• Banks offering Life insurance in Dubai represent at the most one or two international or local insurance providers, hence their product range is very limited and may not suit your needs. Hence their consultants or relationship managers are only interested in pushing these products to you and do not offer impartial advice.
• Banks offering Life insurance in Dubai DO NOT have qualified advisers who can do a good job with your insurance and financial planning.
• Most importantly banks offering Life insurance in Dubai have much more hidden charges in their insurance plans and you end up paying much higher premiums for the same benefits as you would if you go through an independent broker.
• You should always approach an Independent financial adviser who is associated with a reputable insurance broker. The word ‘independent’ is key here because he/she represents you and not the providers and gives you impartial advice on which product to choose.
2. Quality of planning advice – When considering life insurance in Dubai the personal financial planner you approach for insurance planning advice should be suitably qualified and trained by the providers and the broker he is associated with. This is very important because life insurance planning is a complicated process and lots of factors need to be considered when designing the insurance portfolio.

Maternity Insurance in Dubai

Maternity Insurance in Dubai

Maternity insurance in Dubai

Delivering a baby without Maternity Insurance in Dubai can be very expensive. Delivery fees from January 2011, at UAE government hospitals are AED 5,000 for natural births, and AED 8,000 for caesarean section (previously AED 2,500 for natural birth and AED 5,000 for c-section).
If the patient does not have medical insurance in Dubai, it doubles to AED 10,000 for normal births and AED 16,000 for caesarean sections. Private hospital fees ranged from AED 6,000 to AED 25,000. Although many companies provide medical insurance in Dubai to their employees, the government has not yet made it mandatory (this is about to change in the near future).
This means that many couples who are planning to have babies should get maternity insurance in Dubai for themselves.

Key points to consider when buying Maternity Insurance in Dubai

1. What are the limits of the maternity insurance being offered?
2. Which hospitals are covered in the providers network list?
3. Are these hospitals close to where you live, in case of emergencies?
4. Are the hospitals in the list the type that you would be comfortable with?
5. Is there a waiting period involved before you can avail this benefit? Some insurers offer maternity insurance in Dubai without waiting period. Others have waiting periods of 10 months or more.
6. Does the plan over prenatal and postnatal costs?
7. Does the plan cover premature deliveries and incubation costs?
8. What are the limits of maternity cover being offered?
9. Is the maternity cover being offered as a cashless facility or on reimbursement basis?
10. Finally, is the insurer a reputed company that honors claims without hassles?
11. Do you have the time and patience to research amongst the numerous medical insurance providers?

Consequences of not having the right maternity insurance in Dubai

Not having maternity insurance in Dubai can turn out to be very expensive based on the costs mentioned above. There have been a number of horror stories of people having to pay a lot of money because their medical insurance plans did not cover maternity costs.
Not all medical insurance plans suit all individuals. Each person has different needs. This where our medical insurance department is able to help you by providing you quotes only from the providers best suited to your needs and free impartial advice.
More importantly, using us as a broker for your medical insurance does not increase your costs. We get compensated by the providers for the business and provide an extra level of service for administration and claims.

How to apply for Maternity insurance in Dubai

AXA Medical Insurance Dubai - GET THE BEST RATES

AXA Medical Insurance Dubai - GET THE BEST RATES

Axa Medical Insurance Dubai

It’s now simple to access great healthcare for you and your family, wherever you are in the world. Axa Medical Insurance Dubai makes it easy to choose the right cover and easy to use it.

AXA Medical Insurance Dubai

A simple approach – Now Health – Axa Medical Insurance Dubai

• AXA asks you the important questions up-front and provides you with clear information, so you know exactly what you’re covered for, and what you’re not.
• AXA processes are built to be user-friendly and to save you time. You can manage everything online, from joining to tracking your claims.
• All your information is stored in your own online secure portfolio area so you can access it from anywhere in the world 24 hours a day.
• AXA plans are portable, so you may be able to keep the same great cover if you move from one country to another.
• Above all, AXA Medical Insurance Dubai is designed to meet the needs of people who want access to international healthcare.

Designed to work harder for you and your family – Axa Medical Insurance Dubai

With Now Health – Axa Medical Insurance Dubai, you can count on:

• Fast, accurate service from people who understand what’s important to you and respect your time Clear information, so you can easily manage your plan
• Access to healthcare worldwide via the AXA provider network
• Straightforward processes and fast turnaround times, from joining to claiming
• The tools to access and manage your information online from anywhere in the world
• A clear ethical policy including a commitment to reduce the amount of paper used

Our service promise – Axa Medical Insurance Dubai

AXA international health insurance is designed to give you straightforward access to the healthcare you need, wherever you are in the world. This means:

• A commitment to handle your claims quickly. Providing all the information needed is available, AXA aims to process eligible claims within five working days
• When you join, AXA will dispatch a membership card for every member on your plan within two working days.
• Help to find suitable healthcare providers in your area
• Pre-authorization of your claims where possible, to reduce your out-of-pocket expenses
• An international claims management team with the medical expertise to support you in making decisions about your healthcare
• 24 hour emergency assistance with AXA Assistance Expert staff located in Hong Kong, Dubai and the UK, to provide on-the-ground local knowledge when you need it.

How to use your insurance – Axa Medical Insurance Dubai

When you need to use your insurance, AXA has designed the process to make it as straightforward as possible.

Finding the right care – Axa Medical Insurance Dubai

You can access healthcare worldwide via AXA’s rapidly growing network of healthcare providers – and if you have a nil excess or the direct billing facility, you won’t have to pay anything up front. If it’s more convenient to use an out-of-network provider, AXA has designed the claim process to be quick and simple.

Zurich International Life

Zurich International Life

Zurich International Life – Middle East is the Dubai branch of the company Zurich International Life.

Zurich International Life

The Dubai branch is based in DIFC with an office in Emaar square as well, next to Dubai mall.

Zurich International Life – Middle East – Areas of operation

Zurich International Life – Middle East office serves customers in the United Arab Emirates and Bahrain and Qatar with products such as -

• Regular premium savings and investments products
• Single premium savings and investments products
• Protection products

Zurich International Life – Regular Premium Savings and Investments

The main product for regular premium savings and investments offered by Zurich International Life is call ‘Vista’. This product is one of the most popular savings and investment products in the market

Zurich International Life – Vista has been designed to be a tax-efficient, simple, flexible, savings plan that can change as your circumstances change. Premiums can be single payments and regular payments which can be increased, decreased or even stopped for a while if necessary.

Zurich International Life Vista is designed for -

1. Future Savings in general
2. Children’s education planning
3. Retirement planning
4. Wedding expenses planning

Single premium savings and investments

Zurich International Life has two products designed for single premium savings and investments.

1. International Wealth Account
2. Global Choice

Zurich International Life – IWA is a medium to long-term, single contribution, unit linked plan. It is issued as either a life insurance plan or as a capital redemption plan.
Zurich International Life – Global Choice is a unit-linked investment plan that enables you to choose from a wide range of funds with the aim of increasing the value of the money you invest while providing a high level of flexibility. It is available as a life insurance plan with no fixed term.

Zurich International Life – Protection products

Zurich offers two main products for the life insurance needs of expats in the UAE.

1. Zurich Futura
2. Zurich International Term Assurance

Zurich Futura – Futura is an innovative lifetime protection policy. Its flexibility means it can accommodate changes to benefits as the circumstances of your life change. You can have peace of mind that at any stage in life, Futura can protect you and your family the way you want it to. What’s more, its flexibility is every bit as important for tax planning and business insurance as it is in protecting your family.
Zurich International Term Assurance (ITA)- International Term Assurance is a level term life insurance policy. Term assurance is regarded as the easiest and most cost-effective way of providing future financial security for your dependents, should you die.

Friends Provident International

Friends Provident International

Friends Provident International

Friends Provident International Dubai office is based in Emaar square, next to Dubai mall, and is part of the Friends Life Group.
Friends Life group is the name used to describe Friends Life Group plc and all subsidiaries of that company.

Friends Provident International - Middle East – Areas of operation

Friends Provident International provides competitive life assurance, pensions and investment products for Asia, the Middle East, Europe, the UK and other selected markets with products such as -

• Regular premium savings and investments products
• Single premium savings and investments products
• Protection products

Friends Provident International - Regular Premium Savings and Investments

Premier

The main product for regular premium savings and investments offered by Friends Provident International is call ‘Premier’. This product is one of the most popular savings and investment products in the market.

Friends Provident International – Premier has been designed to be flexible as your plans for the coming years are just as likely to change, as your expectations move, adapt and grow. You may want to save for your retirement, for your family, for that special thing you’ve always wanted or, perhaps, to cover your children’s future school fees. Premiums can be single payments and regular payments which can be increased, decreased or even stopped for a while if necessary.

Premier Ultra

Alongside that fundamental principle, Premier Ultra has also been put together with maximum flexibility in mind. For it’s only by allowing your investment plan to change as your circumstances do that your financial planning can keep pace with your other needs and ambitions.
Friends Provident International – Premier and Premier Ultra is designed for -

1. Future Savings in general
2. Children’s education planning
3. Retirement planning
4. Wedding expenses planning

Single premium savings and investments

Friends Provident International has two products designed for single premium savings and investments.

1. Elite
2. Reserve
3. Summit
4. Zenith

Friends Provident International - Elite is a single premium offshore life assurance policy specially designed to allow access to international equity investment opportunities.
Friends Provident International - Reserve - The keys to Reserve are flexibility, adaptability and choice. The product itself, its investment links, and even the way the charges are taken, have all been designed to give maximum freedom of choice to the investor.
Friends Provident International - Summit - Summit is a highly flexible loyalty plan with penalty-free access to the majority of your investment amount.
Friends Provident International - Zenith - Zenith is a single premium offshore life assurance policy specially designed to allow access to international equity investment opportunities.

Friends Provident International - Protection products

Friends Provident offers only one product for protection called International Protector Middle East.
International Protector Middle East is a comprehensive and flexible suite of products, offering Life, Disability and Critical Illness Cover within one plan.
International Protector Middle East is simple, yet can have many uses. It can provide protection for the family, mortgage, business or all of these. The plan can be tailored to meet individual needs and requirements with the flexibility to increase or change the cover in the future. No matter what the future may hold, International Protector Middle East provides complete peace of mind.