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Hemayati Plus

Your family depends on you and you depend on your family. Knowing that your family will be protected no matter what life throws at you is a priceless commodity.

That is what Hemayati Plus, a level term Family Takaful Plan from SALAMA gives you, the peace of mind of knowing that your family’s financial future is secure at a time when they would need it most.

Plan BenefitFamily Takaful Benefit for a fixed term
Available Plan Terms5 years, 10 years or 15 years
Minimum Age at Entry18 years
Maximum Age at Entry59 years
Maximum Age at Maturity74 years
Minimum Sum AssuredAED 100,000
Maximum Sum AssuredAED 500,000
Family Takaful CoverLump sum payment in the event of death of the Covered Member during the Plan Term
Inbuilt Terminal Illness CoverLump sum payment if the Covered Member is diagnosed as being terminally ill with a life expectancy of less than 12 months within the Plan Term
Guaranteed Bonus Payout at Maturity
(as % of total Contributions)
5 year plan: 25%
10 year plan: 40%
15 year plan: 50%
Contribution payment frequencyMonthly/ Yearly (1 month premium discount on Yearly contribution)
Plan CurrencyAED
Scope of CoverWorldwide
  • Application Form fully completed and signed by the Covered Member
  • Valid Illustration signed by the Covered Member, Plan Holder
  • Passport Copy with valid Visa page and copy of valid Emirates ID card (front & back side)
  • Proof of payment and future funding method
  • Medical and financial underwriting requirements will be taken on case to case basis
  • CBD customers with valid UAE/GCC residence visa or holding UAE nationality are eligible to apply
  • Age: between 18 and 59 years

In case of a claim, the beneficiary may call or write to SALAMA. Address:

Family Takaful, P.O. Box 10214, Dubai, United Arab Emirates
Tel No: + 971 4 407 9999
Fax No: + 971 4 357 7007

SALAMA will release the appropriate claim form and required documentation after initial assessment/verification of the claim notification.

In order to keep the plan in force, you can continue paying your plan contributions where ever you are, through Telegraphic Transfer into SALAMA’s account quoting the complete Plan number in the narration. You will have to intimate SALAMA with the swift copy of the transfer.

You are eligible to get a guaranteed maturity payout as per the table below, provided that all Contributions till maturity have been paid and no claims have been made:

Plan Term (in years)51015
Bonus (% of total contribution)25%40%50%
For your convenience this Plan has a grace period. All Regular Contributions must be paid within 60 days from the Contribution due date to avoid discontinuation of Protection Benefits.

No. Optional covers are not available with this plan.

In the event of death of the covered member during the term of the plan, a lump sum benefit is paid out to the beneficiaries. In case the beneficiary is not defined, the claim proceeds will be settled by Sharia court where the legal heirs can petition the claim.

You can pay your Monthly or Annual Contribution through your CBD credit card or through direct debit from your CBD Account.

The minimum Sum Covered starts from AED 100,000 and goes up to a maximum of AED 500,000. 
CBD customers with valid UAE/GCC residence visa or holding UAE nationality, falling within the prescribed age limits are eligible to participate in the plan
It is a fixed term family takaful plan that gives you Family Takaful benefit along with in built Terminal Illness benefit and guaranteed maturity pay-outs.


This Product is offered by SALAMA – Islamic Arab Insurance Company for CBD Customers and is subject to underwriting approvals. Terms and Conditions of the Takaful plan shall apply. The Takaful cover shall only start after the issuance of plan by SALAMA – Islamic Arab Insurance Company. Details presented are for your information only. CBD is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the Product / Covers being offered and does not accept any liability and will not be liable for any loss or damage arising directly or indirectly to the client taking the Takaful cover or beneficiaries or any others.

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Within UAE: 600 527 223

Outside UAE: +971 600 527 223

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