What is HAYAH? A profile of the UAE life and health insurer
HAYAH is a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com). HAYAH describes its mission as transforming the insurance experience, and says it has supported over 150,000 individuals and businesses in the UAE.
What HAYAH offers
According to hayah.com, checked on 3 November 2026, HAYAH groups its products into four areas.
- Savings and pensions, for individuals and employers.
- Life insurance.
- Medical insurance.
- Business products, for employers who want to protect or save for their teams.
How HAYAH describes its approach
HAYAH names four values on its About page: empowering, innovative, inclusive and sustainable. HAYAH states that it uses artificial intelligence and modern technology to provide user-friendly insurance solutions, and that it educates the public about insurance, personal risk and financial planning through events, online resources and partnerships.
The HAYAH app
HAYAH publishes an app called Tribe by HAYAH. HAYAH describes these features.
- Monthly budgets and spending tracking.
- Quests that test financial resilience, with personalised advice.
- A single view of HAYAH policies and savings status.
- Access to HAYAH plans from the app.
Who regulates HAYAH
HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE). A reader can confirm the licence status on the official CBUAE register or by asking HAYAH directly.
Questions to ask about any insurer
- Which regulator licenses the insurer?
- Which products does the insurer sell, and to whom?
- Where are the policy documents published?
- How are claims made?
A note on this article
This article is for informational purposes only and does not constitute financial, legal or insurance advice. Product terms and eligibility change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).