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Hemayati Plus (Family Takaful Plan)

Whether you're looking to provide protection for your family or business, we can offer you the most convenient hassle-free Family Takaful plan from SALAMA, Hemayati Plus.

With zero medical requirement, this Shari’ah compliant fixed term plan can give you a comprehensive and affordable coverage for a chosen period of time with guaranteed maturity bonus and minimum paperwork. 

  • No medicals required
  • Hassle-free with less paperwork
  • Worldwide coverage
  • Flexibility to choose the Term of Plan and amount of contribution
  • Built In Terminal Illness Benefit
  • Up to 100% Guaranteed Maturity Bonus at the end of the Plan Term
  • Family Takaful Cover (Accident and Sickness OR Accident Only): In case of your unfortunate death, your chosen beneficiary can receive a lump sum payment of up to AED 500,000. 

Accident Only benefit would be paid if your loss of life results directly and solely as a result of an Accident within 30 days of accident. 

  • Terminal Illness: In case of diagnosis of terminal illness with life expectancy of less than 12 months, you can receive a lump sum payment.
  • Guaranteed Maturity Bonus: You are eligible to receive a Bonus Payout if you continue paying all contributions till maturity and no claims have been made.


Term Plan Bonus (as % of Total Contributions)
5 years 80%
10 years 90%
15 years 100%
  • Age of Issue: 18 years to 55 years
  • Age at Maturity: 70 years
  • Plan Options: 5, 10 or 15 Years Term 
  • Policy Currency: AED
  • Payment Method: Direct Debit from your RAKBANK Account, Credit Card
  • Contribution Frequency: Monthly or Annually

Click here to download Product Brochure.

Click here to download the Terms and Conditions.

Our Insurance Partner, SALAMA, made your claims submission as simple as possible, ensuring that you have the right support to quickly make a claim – anytime, anywhere. 

Claims Department – SALAMA
PO Box 10214, Dubai, United Arab Emirates
Tel: 800725262 (SALAMA), 9AM to 6PM, Sundays to Thursdays
Fax: +971 4 3577007
Email: [email protected]

Hemayati Plus (“Takaful“) is underwritten and issued by SALAMA Islamic Arab Insurance Co. (P.S.C) (“SALAMA”). The Takaful is offered by SALAMA exclusively to RAKBANK RAKislamic customers and is subject to SALAMA’s approval. Terms and Conditions of the Takaful policy shall apply at all times. RAKBANK RAKislamic  is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the Takaful being offered by SALAMA and does not accept any liability and shall not be liable for any loss or damage arising directly or indirectly to the customer as a result of subscribing to the Takaful.

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