Orient Insurance Dubai

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.

Why Choose Orient Insurance Dubai?

• The company has an ‘A+’ (Strong) rating from Standard & Poor’s and ‘A Excellent’ from AM Best, the highest in the region.

• Orient Insurance PJSC Dubai is ISO 9001-accredited for Quality Management and provides the highest standards of service and dependability.

• Based in Dubai, it serves its customers through a wide network of branches across the Middle East and South Asia.

• Easy-to-use online platforms and mobile access for policy management and claims support.

What are the Types of Life Insurance Plans Offered by Orient Insurance?

Orient Insurance offers plans that come with term protection, unit-linked investment plans, and retirement solutions, designed to meet both short-term and long-term financial goals.

Orient Insurance – International Pure Protection Term Plan

Orient International Pure protection term insurance is a pure risk protection term insurance plan which is 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

Orient Insurance – Future Invest ULIP Plan

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

• Option to switch funds based on market outlook

• Joint life cover option (insuring two individuals under one policy)

• Inborn condition cover and global benefits

Orient Insurance – Pension Plan

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

• 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

Orient Insurance – Educare LTD

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)

• It comes with a Guaranteed Family Income Benefit where in case of the policyholder's death 1% of the Sum Assured is paid monthly to the family.

• 100% of Sum Assured + 1% p.a. Guaranteed Bonus for the entire plan term

• Additional revisionary and terminal bonuses on maturity

Orient Insurance - Women Care Plan

Orient Insurance Women Care is a specialised critical illness protection plan designed exclusively for women. The plan offers a lump-sum payout upon diagnosis of covered conditions.

Key Benefits:

• The plan offers coverage for 7 Women-Specific Cancers

• An immediate lump sum benefit is paid after 28 days of diagnosis of any covered illness

• Worldwide Coverage is provided

• Guaranteed Renewal: Continuous protection without hassle

Orient Insurance- Care Plan

Orient Care Plan is a comprehensive term insurance plan that protects your family from the unexpected costs of severe illnesses.

Key Benefits:

• Worldwide coverage for treatment is provided

• Helps in replacing lost income and maintains financial stability

• Offers easy enrolment without any medical requirements

• Covers 12 critical illnesses

Orient Insurance- Care Plus Plan

Orient Care Plus is an enhanced plan that is suitable for individuals and families who want full protection against life’s worst health challenges.

Key Benefits:

• The plan covers up to 37 critical illnesses

• It offers a lump-sum benefit immediately on the diagnosis of any listed critical illness

• Offers higher sum assured options

• No medicals required

What Additional Riders are Available with Orient Insurance?

To enhance protection, Orient Insurance offers optional riders that can be attached to base life insurance for NRI plans.

What is the Eligibility Criteria to Buy Life Insurance From Orient Insurance?

Who Can Apply for Orient Insurance Dubai:

• UAE nationals and residents (including expatriates); non-resident applications may also be considered on merit for some plans

• Age range: varies by product. For example, the International Pure Protection Term Plan accept applicants aged 18 to 65 years, whereas plans such as the Future Invest plan will accept entry ages from newborn to 80–84 years (depending on the option selected)

• Available for individuals and families

What Documents are Required:

• Valid Emirates ID and Passport

• Income proof (Salary Slip or Bank Statement)

• Medical reports (if required based on sum assured and age)

The age limit, sum assured bands, and the documents required will vary widely for a term protection plan, ULIP, pension plan and education plan. So, always confirm the exact details of the plan you are applying for.

Things to Consider Before Choosing an Orient Insurance Plan

Alternative Ways to Buy Term Life Insurance for NRIs in Dubai

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.

Why do NRIs in Dubai Consider Term Insurance from Indian Insurers?

• 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.

How to Buy Term Life Insurance for NRIs in Dubai from India?

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

How Do NRIs Claim Term Life Insurance from the UAE?

NRIs buying term insurance for NRI in Dubai are globally protected, and in the unfortunate event of the life assured's death, the nominee can complete the entire claim process online, from anywhere in the world — Dubai, Abu Dhabi, Sharjah, or elsewhere in the UAE.

Once the claim is approved, the amount is credited to your Indian savings a/c, current a/c, or NRE/NRO account.

• If the nominee lives in India, the claim is credited directly to their savings or current account.

• If the nominee lives in the UAE, the claim is first credited to an NRE or NRO account in India, and the funds can then be transferred to a UAE bank account, completely free of any repatriation charges/fees.

Term life insurance claims are also tax-free under Section 10(10D) of the Income Tax Act, subject to the usual conditions — so the amount your family receives isn't reduced by tax either in India or, in most cases, in the UAE, since the UAE doesn't levy personal income tax.

Documents Required for Claim Settlement

• Embassy-attested death certificate (if the death occurred abroad)

• Policy documents

• ID/address proof of the nominee

• Duly filled claim form

• Passport copy

• Bank account details

• Additional documents, on a case-by-case basis

Policybazaar's claim assistance for NRIs in Dubai: Policybazaar has a dedicated claim assistance team that helps NRI nominees through this entire process, free of charge. If a claim is ever rejected by the insurer, this team also helps build a second-opinion case and pushes it for review at a higher review committee — so a first rejection isn't necessarily the end of the road for the family.

Final Thoughts

Orient Life Insurance PJSC provides a complete range of life insurance products designed to meet the ever-changing needs of Dubai residents. From pure term to investment-linked to education plans, Orient Insurance continues to add value, trust and long-term peace of mind.

FAQs