Death benefit claims
Life policies and loan-linked cover after the loss of a family member.
Insurance claims settlement · UAE
Life and accident claims, handled with care.
A death, disability or serious illness claim should not become another burden. When the insurer delays, questions or refuses the benefit, we prepare the documents and the complaint for you and the family, and follow it to a decision.
- Free, confidential review
- Death, disability and illness
- Arabic and English
- Offices in 3 emirates
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Preview only: this form does not send requests yet.Why are life and personal accident claims rejected or delayed?
These claims are often delayed by documents: death certificates, attested foreign documents, medical records, proof of beneficiary status or inheritance papers. They are also questioned on non-disclosure of medical history, on whether the event is covered, or on the degree of disability. A complete, well-ordered file shortens the delay and answers the questions the insurer raises.
Common situations
Life and accident claims we handle
These are the cases families bring to us most often.
Permanent disability
Total or partial disability benefits after an accident or illness.
Critical illness
Lump-sum benefits for serious illnesses listed in the policy.
Non-disclosure objections
The insurer says medical history was not declared.
Missing or foreign documents
Certificates and records from abroad that need attestation.
Long delays
Months of waiting with repeated requests for papers.
What we do
What we do for your claim
We take the paperwork off the family's shoulders.
- Review the policy, beneficiaries and exclusions
- List every document the insurer requires
- Help obtain and organise certificates and reports
- Guide attestation and translation of foreign documents
- Answer non-disclosure and coverage objections
- Draft the complaint to the insurer
- File with the Sanadak unit if it is not resolved
- Follow up until a decision
Every case is handled confidentially. We speak with the family member you choose and keep the process as simple as possible.
Documents
Documents for a life or accident claim complaint
The policy
- Policy and schedule
- Beneficiary nomination, if any
- Loan agreement if the cover is loan-linked
The event
- Death certificate or medical reports
- Police or accident report, if relevant
- Hospital records
The claimant
- Emirates ID or passport
- Proof of relationship or inheritance documents
- The insurer's letters and correspondence
For documents from abroad
- Attestation by the UAE embassy and the UAE Ministry of Foreign Affairs
- Legal translation into Arabic
- Copies certified as true
How it works
How we handle your claim
- 01
Free eligibility review
Send your policy and the insurer's reply. We tell you if you have a case and what is missing.
- 02
We prepare the file
We collect the evidence, organise the documents and draft a clear, well-argued complaint.
- 03
We file and follow up
We raise it with the insurer first, then with the Sanadak unit if it is not resolved.
- 04
Decision, or appeal
You get updates until the decision is issued, and we prepare your appeal if you need one.
The complaints route
Two stages, and we prepare both
Stage 1
Complaint to your insurer
The insurer must first get the chance to resolve your complaint, usually within 30 calendar days. A complete, well-documented complaint at this stage often settles the case.
Stage 2
The Sanadak unit
If the insurer does not resolve it, or you disagree with its answer, the complaint goes to the Sanadak unit, the official complaints body set up by the Central Bank of the UAE. Filing is free for consumers. Insurance disputes normally go here before court.
If you need to appealBefore you file
Before you file
- Ask for the full document listRequest it in writing so nothing is requested twice.
- Start attestation earlyForeign documents can take the longest. Begin as soon as possible.
- Check the beneficiariesWho is entitled to the benefit affects which documents are needed.
- Watch the deadlineComplaints can generally be filed within three years of the event, or two years from when you became aware of the issue.
Why Saadatak
Claims specialists, not a general typing centre
- We know why claims get rejectedWe check your file for every common reason before it goes in.
- The right papers, the first timeFewer requests for more information, fewer delays.
- Clear fees before we startThe first review is free, and you get a written quote before any work begins.
Life and personal accident claims: frequently asked questions
The life insurance claim is taking months. What can we do?
Ask the insurer for a written list of outstanding documents and a reason for the delay. If it does not resolve the claim, a complaint can be filed with the insurer and then with the Sanadak unit. We prepare and follow it.
The insurer says medical history was not disclosed. Is the claim lost?
Not necessarily. It depends on what was asked, what was declared and whether it relates to the claim. We review the application form and the records.
Who can make the claim?
Usually the named beneficiary or the legal heirs. We help you identify the documents needed to prove entitlement.
Do documents from abroad need attestation?
Usually yes, by the UAE embassy in that country and the UAE Ministry of Foreign Affairs, with a legal Arabic translation.
Is there a deadline?
A complaint can generally be filed within three years of the event, or two years from when you became aware of it, whichever is longer.
How much does your service cost?
The first review is free. Our fee is confirmed in writing before we start.
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