Insurance claims settlement · UAE
Claim rejected or underpaid? We build the file that gets it heard.
We prepare the right papers in the right way, raise your complaint with the insurer or bank, and follow it through the official Sanadak complaints process until you have a decision.
- Free eligibility review
- Motor, health, property and life
- Arabic and English
- Offices in 3 emirates
Motor, health, property and life insurance disputes, rejected claims, underpaid settlements, personal loans, credit cards and unauthorised transactions.
Our standard
Most claims are not lost on the facts. They are lost on missing papers and weak wording. We prepare every file completely and correctly, so your case is judged on its merits.
Saadatak Insurance Claims Settlement ServicesInsurance claims
Every type of insurance dispute, one team.
Tell us what the insurer decided and what you expected. We tell you if you have a case, which documents you need, and how we will present it.
Rejected insurance claims
Your insurer refused to pay. We find out why, gather what was missing and challenge the decision with a complete, well-argued file.
Read more Most requestedUnderpaid or delayed settlements
You were paid less than your policy covers, or nothing has moved for weeks. We document the gap and push for the full amount.
Read moreMotor insurance
Accident and damage claims, total loss valuations, repairs and third-party disputes.
Read moreHealth insurance
Refused treatment approvals, rejected reimbursements and coverage disputes.
Read moreProperty and home
Fire, water, theft and contents claims for homes, shops and warehouses.
Read moreLife and personal accident
Death, disability and critical illness benefits, handled with care for the family.
Read moreTravel insurance
Medical emergencies abroad, cancellations and lost luggage claims.
Read moreBusiness insurance
Claims for SMEs and sole proprietors, from stock and equipment to liability.
Read moreClaim file preparation
Starting a new claim? We prepare it correctly from day one to avoid a rejection.
Read moreAppeals
Not satisfied with the decision? We prepare your appeal to the appeals committee.
Read moreHow it works
From your first message to a decision.
- 01
Free eligibility review
Send us your policy and the insurer's reply on WhatsApp or through the form. We tell you if your case qualifies and what is missing.
- 02
We prepare the right papers
We collect, organise and draft your complaint with the evidence and wording the insurer and the Sanadak unit expect to see.
- 03
We file and handle the correspondence
We raise the complaint with your insurer first. If it is not resolved, we file it with the Sanadak unit and answer every request.
- 04
We follow up until a decision
You get regular updates until the decision is issued, and we prepare your appeal if you need one.
Why Saadatak
Claims specialists, not a general typing centre.
Insurers reject incomplete files. A well-prepared complaint gives you the best chance of being paid what your policy covers.
Get a free reviewWe know why claims get rejected
Missing reports, wrong forms, late notices, unclear wording. We check your file for every common reason before it goes in.
The right papers, the first time
Every document in the correct order and format, so there are fewer requests for more information and fewer delays.
Clear fees before we start
The first review is free. If we take your case, you receive a clear quote before any work begins.
With you until the decision
We handle the follow-up and correspondence, and prepare your appeal if the first decision is not fair.
Three offices, all seven emirates
Wherever you are in the UAE, your claim moves forward.
Visit us in Abu Dhabi, Dubai or Ajman, or send everything on WhatsApp. Most cases are handled without an office visit.
Before you start
What to have ready.
You do not need everything on day one. These are the documents we ask for most often.
Motor claims
- Insurance policy and schedule
- Police report
- Garage report or repair estimate
- The insurer's rejection or settlement letter
Health claims
- Insurance card or policy
- Medical reports and invoices
- Approval requests and rejection letters
- Emails or messages with the insurer
Property, life and bank disputes
- Policy, contract or account statement
- Photos, receipts or evidence of the loss
- Any complaint reference numbers
- Emirates ID
Not sure what applies to you? Send what you have and we will tell you what is missing. Send them on WhatsApp
Client reviews
What clients say after their case.
My car claim was rejected twice. They found the missing report, rewrote the complaint and followed up every week until it was paid.
Clear advice from the first call. They told me honestly what my chances were and what papers I needed. Very professional.
I had an unauthorised transaction on my credit card. The team prepared the complaint and handled everything until the amount was refunded.
Meet the CEO
Mohamed Rihan
Chief Executive Officer · Saadatak Insurance Claims Settlement Services
Mohamed Rihan leads Saadatak and its team of insurance claims and banking complaints specialists. Together they help individuals and small businesses prepare the right documents, raise complaints with insurers and banks, and follow every case through the official complaints process.
Our claims team in Abu Dhabi, Dubai and AjmanMeet the team
Bank disputes
When your bank will not listen.
The same careful preparation works for complaints against banks and finance companies licensed in the UAE.
Personal loans
Disputed interest and charges, early settlement amounts and loan terms that were not explained.
Read moreCredit cards
Unexpected fees, wrong charges, disputed balances and cards issued without consent.
Read moreUnauthorised transactions
Payments or withdrawals you did not make, fraud and refunds the bank refused.
Read moreAccounts and services
Frozen or closed accounts, failed transfers and service complaints left unanswered.
Read moreAre you the official Sanadak unit?
No. We are an independent private company. The Sanadak unit is the official complaints body set up by the Central Bank of the UAE for insurance and banking disputes. We help you prepare and follow up your complaint, but we are not part of it and it does not endorse us.
Do I have to complain to my insurer first?
Yes. The insurer or bank must first get the chance to resolve your complaint, usually within 30 calendar days. If it does not, or you disagree with its answer, the complaint can go to the Sanadak unit. We prepare both stages.
Is there a deadline to file?
A complaint can generally be filed within three years of what happened, or two years from when you became aware of it, whichever is longer. Send us your dates and we confirm whether you are still in time.
Can I go straight to court?
For insurance disputes, the complaint must normally go through the Sanadak unit first. For bank disputes, court is an option, but the complaints route is usually faster and cheaper.
What if I disagree with the decision?
You can appeal to the appeals committee. An official appeal fee applies, which may be refunded if the decision goes in your favour. We prepare the appeal and the supporting file.
How are your fees calculated?
The first eligibility review is free. Filing a complaint with the Sanadak unit is also free for consumers. Our fee for preparing and following up your case depends on its type and complexity, and we confirm it in writing before we start.
Free case review
Tell us what happened. We will tell you where you stand.
No obligation. You get an honest view of your case and a clear quote before anything starts.
- WhatsApp+971 56 733 4242
- Our officesAbu Dhabi · Dubai, Al Barsha 1 · Ajman, Al Jarf
Saadatak Insurance Claims Settlement Services is an independent private company. We are not affiliated with or endorsed by the Sanadak unit or the Central Bank of the UAE.
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