In a fast-evolving financial landscape like Dubai’s, long-term protection and stability remain top priorities for families and individuals. Orient Life Insurance, a division of Orient Insurance PJSC and part of the Al-Futtaim Group, brings over four decades of insurance expertise tailored to UAE residents. The company’s robust financial strength, customer-first approach, and suite of customised life insurance plans make it a trusted choice among both UAE nationals and expatriates.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
Backed by the well-established Al-Futtaim Group
Rated “A” (Excellent) by AM Best
Regulated by the UAE Central Bank
Plans available in AED and USD
Offers both pure protection and investment-linked options
Term Plans
Orient Insurance offers a combination of term protection, unit-linked investment plans, and retirement solutions, designed to meet both short-term and long-term financial goals.
This is a pure risk protection term insurance plan designed for income replacement in the event of death or disability.
Key Benefits:
Death and permanent total disability coverage
Includes 37 critical illnesses and inbuilt terminal illness cover
Passive war risk included as a standard benefit
Uniform premium rates for both smokers and non-smokers
Global coverage with 100% paperless application process
This is an Orient insurance unit-linked investment plan that offers combined benefits of investment, life cover, and flexibility.
Key Benefits:
Pay premiums for a limited period while enjoying lifelong coverage
Access to a range of investment funds
Option to switch funds based on market outlook
Joint life cover option (insuring two individuals under one policy)
Inborn condition cover and global benefits
This Orient Insurance plan is designed to offer retirement planning, by providing a blend of protection, savings, and a guaranteed income post-retirement.
Key Benefits:
Receive regular income in USD for up to 20 years
Capital protection ensures the original invested amount is secure
Critical illness cover up to age 85 years
Lump sum to the family in case of death
Terminal illness cover up to age 85 years
Secure Your Family Future Today
₹1 CRORE
Term Plan Starting @
Get an online discount of upto 15%#
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This is an Orient insurance child education plan that blends financial security with guaranteed returns.
Key Benefits:
Flexible premium payment terms and policy durations (8 to 30 years)
Guaranteed Family Income Benefit: 1% of Sum Assured monthly to the family on policyholder's death
100% of Sum Assured + 1% p.a. Guaranteed Bonus for the entire plan term
Additional revisionary and terminal bonuses on maturity
To enhance protection, Orient Insurance offers optional riders that can be attached to base life insurance for NRI plans.
| Rider | Benefit Provided |
| Critical Illness Cover | Lump sum payout on diagnosis of listed illnesses |
| Accidental Death Cover | Additional benefit on death due to accident |
| Waiver of Premium | Waives future premiums if the policyholder becomes disabled |
| Permanent Total Disability | Lump sum payout if permanently disabled |
Who Can Apply:
UAE nationals and residents (including expatriates)
Age range: 18 to 65 years
Available for individuals and families
Documents Required:
Valid Emirates ID and Passport
Income proof (Salary Slip or Bank Statement)
Medical reports (if required based on sum assured and age)
| Criteria | Details |
| Purpose of Insurance | Income replacement, investment, education, or retirement |
| Duration of Coverage | Short-term or long-term goals (up to lifetime) |
| Premium Affordability | Ensure premium fits your monthly budget |
| Additional Riders | Only select what truly aligns with your lifestyle |
| Payout Currency | AED or USD based on your income and financial planning |
While Orient Insurance offers excellent protection within the UAE, many NRIs consider buying term insurance for NRI in Dubai from India as a way to strengthen their overall financial safety net.
Cost Efficiency: Term plans from India often offer the same or higher sum assured at comparatively lower premium rates.
GST Waiver and Discounts: You can claim term insurance GST waiver of 18% on the premiums paid and an additional 5% discount on the annual pay mode.
Tele/video Medicals: You can get tele/video medicals online from your current country of residence without the hassle of travelling back to India.
Global Protection: With Policybazaar term insurance for NRI, you can buy plans with pre-approved cover that provide global coverage.
Special Exit Benefits: With the special exit benefits, you can receive all the premiums paid back at the end of the policy term.
Here is how you can buy term life insurance for NRIs in Dubai from India:
Step 1: Visit the term insurance for NRI page of Policybazaar
Step 2: Enter your name, gender, contact information and more
Step 3: Select the right smoking habit, occupation type, annual income, and educational qualifications
Step 4: Choose and buy the best term insurance for NRI in Dubai from Indian Insurers
Orient Life Insurance offers a well-rounded suite of life insurance products tailored to the dynamic needs of Dubai’s residents. With solutions ranging from pure term protection to investment-linked and education-focused plans, Orient Insurance continues to deliver value, trust, and long-term peace of mind.
˜Top 5 plans based on annualized premium for bookings made on https://www.policybazaar.com in the first 6 months of FY 24-25.
Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
+Rs. 487/month (Rs.16/day) is starting price for a 1 crore term life insurance for an 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
Prices offered by the insurer are as per the approved insurance plans | #All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply | **Tax Benefits are subject to changes in tax laws.| Policybazaar Insurance Brokers Private Limited
We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881
For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale
Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana – 122001 | Registration No. 742, Valid till 09/06/2027, License category- Composite Broker Visitors are hereby informed that their information submitted on the website may be shared with insurers. Product information is authentic and solely based on the information received from the insurers.
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+Rs. 820/month is starting price for a 2 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
+Rs. 1,443/month is starting price for a 5 crore term life insurance for an (NRI) 18 year-old male, non-smoker, with no pre-existing diseases, cover upto 38 years of age.
˜ Policybazaar Promise reflects the guarantee offered by insurers. Price assurance is based on certifications shared by insurers with us.
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