Life insurance without a medical exam in the UAE: how simplified term cover works

Most life insurance applications ask about health. Some policies go further and require a medical exam, while others skip it and rely on the answers an applicant gives online. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), offers a policy of the second kind called Simple Life.

Why some policies skip the medical exam

A medical exam helps a provider price risk. A policy that skips the exam trades that step for a faster sign-up and narrower terms, so the cover limits, entry ages and exclusions deserve a careful read.

What HAYAH Simple Life includes

According to hayah.com, checked on 3 November 2026, HAYAH Simple Life offers the following.

• Term life insurance with no medical exams required.
• Sign-up online through the website or the mobile app.
• Eligibility for UAE residents aged 18 to 59 at entry.
• Cover for natural loss of life, accidental loss of life and accidental loss of life in a common carrier.
• An option to insure a spouse under the same policy at a discounted premium.
• Monthly or annual premium payments, with fixed premium rates throughout the term.

How this differs from a fully underwritten plan

HAYAH also sells plans that need full medical underwriting. HAYAH MyHEALTH, for example, is subject to full medical underwriting at the time of application. The two approaches suit different needs: one favours speed, the other favours a cover decision based on the full medical history.

Questions to ask before choosing a policy without a medical exam

1. What is the maximum cover, and does it match my financial responsibilities?
2. What events does the policy pay for, and which are excluded?
3. Is the premium fixed for the whole term?
4. What are the entry age limits?
5. Is the provider licensed and regulated in the UAE?

A note on this article

This article is for informational purposes only and does not constitute financial, legal or insurance advice. Policy 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).