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Sweet Secure – For Life, Lifestyle and Critical Illness

Introducing Sweet Secure - brought to you by RAKBANK and offered by Union Insurance Company P.S.C

Sweet Secure is a Comprehensive Life and Critical Illness Insurance plan offered by Union Insurance Company P.S.C, for Diabetic (Type -2) and Non-Diabetic individuals. The plan covers you for Death, upto 32 Critical Illnesses and other medical conditions that may arise due to Diabetes, with no requirement of medical test. You may choose your plan term from 1 year to 5 years.

The plan provides the nominated beneficiary a lump sum payment up to AED 500,000 (as per chosen plan) as per the policy terms & conditions, if the Insured Person passes away during the policy term or is diagnosed with any of the covered 32 Critical Illness (as per chosen plan) .  It also covers major complications that may arise due to Diabetes. You may choose your plan term from 1 year to 5 years.

Sweet Secure has two variants depending on the existing medical condition of the customer: 

  • Non diabetic  
  • Diabetic (Type-2 only)

Sweet Secure offers the following benefits:

  • Death due Any Cause: Beneficiary will receive 100% Sum Insured. This benefit will be applicable from Day 1.
  • Critical Illness Cover (from policy effective date):
    1. From 3rd Month to 12th Month: - 50% of Sum Insured is provided to the Insured Person (Subject to 1 month of survival from the date of diagnosis).
    2. 13th Month onwards: - 100% of Sum Insured is provided to the Insured Person (Subject to 1 month of survival from the date of diagnosis).
  • Covers Limb amputation due to diabetic complications, laser treatment for diabetic retinopathy
  • Free medical check-up & Second Medical Opinion on diagnosis of any of the covered Critical Illnesses
  • For non- diabetic customers only: Reimbursement of cost of medicines for diabetes upto AED 1,000 per policy year on diagnosis of Type 2 diabetes.
  • Wellness Benefit: – 1% of the claim amount paid towards wellness / post diagnosis expenses.  This is applicable for Critical Illness claims only
  • Lifestyle discounts (for Diabetic Customers) ranging from 10% to 25% at policy anniversary on reduced diabetes levels, on the submission of Diabetes questionnaire and reports
  • 5% discount to the premiums on being a member of Health/Fitness Club at policy anniversary
  • 24 x 7, Worldwide Coverage. 
  • The plan can be owned only by an individual 
  • Policy Term: 1 to 5 years
  • Payment Frequency: Premiums can be paid either annually or one time (for 5 years). 
  • Payment Methods: Direct Debit from RAKBANK Account or by Credit Card 
  • Policy Currency: AED only
  • RAKBANK Customers holding a valid UAE residence visa 
  • Eligible age group for entry into the Policy is 25 years to 64 years 
  • Maximum age at maturity is 65 years


Insurance is offered by selected Insurance Companies for RAKBANK customers and is subject to their approval. Terms and Conditions of the Insurance policy shall apply. Discounts and special offers are from specific insurance companies and are subject to applicability based on the product and insurer selected by you. This is for your information only and RAKBANK is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the Insurance being offered and does not accept any liability and will not be liable for any loss or damage arising directly or indirectly to the customer taking the Insurance. Special offers are for a limited period and may be discontinued or modified without notice.

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