Review Of Union Insurance UAE

Union Insurance Company is a leading Dubai-based insurer licenced by the UAE Insurance Authority and listed on the Abu Dhabi Securities Exchange.

The insurer serves the UAE and Middle East region with superior value insurance coverage in both the personal and commercial markets.

Assessing Union Insurance’s products it’s clear the insurer appreciates the need for standard cover at affordable rates as well as more innovative and customised policies to cater to diverse and sophisticated needs in Dubai, the Emirates, and the Middle East region. We unpack and review Union Insurance’s comprehensive range of offerings.

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Personal Insurance

Union Insurance UAE has been in business since 1998 and in that time it has developed an impressively comprehensive range of personal insurance services.

Motor Insurance

The company offers affordable motor vehicle coverage across the market. Recognising that each client is unique, plans can be customised to individual needs. The broad car insurance packages cover:

Standard Comprehensive insurance – covers up to AED 3.5 million
Superior Comprehensive – covers up to AED 5 million
Third-Party insurance – covers up to AED 2 million

Packages include several welcome features such as no-claims rewards (after only 1-year accident-free), replacement vehicle options, roadside assistance and recovery, plus a range of neat concierge services like airport drop-offs and pickups.

An A-rated network of garage and repair shops partners with Union Insurance to ensure your vehicle gets safely back on the road after an accident.

Union Insurance has a dedicated motor insurance claims department that is always ready to assist efficiently and sympathetically.

Home Insurance

Union Insurance is committed to providing the essential peace of mind that comes from knowing the value of your home and that its contents are protected.

Home and household insurance solutions can be tailored according to your lifestyle, with decent flexibility on offer. Coverage spans the full range of perils from fire to earthquake, water damage to burglary. Alternative accommodation arrangements and loss of rent up to AED 10,000 (or 3 months) are just two of many thoughtful features.

You can get basic cover on belongings for an unbelievable AED 1/- per day.

The dedicated claims department recognises that customer care during a potentially traumatic time is the first step to recovering from the ordeal. Friendly professional support is on hand throughout the document submission and claim processing procedure.

Health Insurance

The insurance company has clearly paid great attention to developing innovative and compassionate health and medical insurance coverage. A 35-strong team with excellent experience in health is dedicated to this vital unit.

In addition to full insurance of the principal (Delighted Care Plans), Union Insurance offers unique offerings:

The Sanad Plan extends affordable coverage for dependents (spouses, children, parents- to 60+) holding a Dubai visa.
Essential Benefits are affordable plans for employees in Dubai earning AED 4,000 and below.

Plans are Dubai Health Authority compliant. It is assuring to see they are supported by a large network of health providers (there is billing access at over 1,600 providers).

The claims unit has qualified medical personnel on board to ensure empathetic professional handling throughout.

Travel Insurance

Travel cover is one of those insurance services that is sometimes an afterthought. UIC understands the wrinkles that can spoil a dream holiday- lost documents, a medical emergency or accident, baggage loss, and flight cancellations. The insurer covers all these unfortunate events.

Commercial Insurance Products

Union Insurance offers innovative solutions in the commercial market supported by an online claims process that takes as few as three steps if no review is required.

Group Life

Group life insurance represents a valuable investment by a company in its employees, their families, dependents, and key personnel.

Union’s Group Life Insurance offers extensive life and disability coverage to help companies insure their most valuable assets.

This excellent offering covers all the unfortunate eventualities that can occur:

Natural and accidental death
Permanent disability – partial and total
Temporary disability
Critical illness cover

It’s worth highlighting that the scheme provides 24-hour worldwide coverage for employees up to the age of 70.

It’s also pleasing to see the inclusion of repatriation expenses to return a deceased employee to their home country.

Group Health plans

With Union Insurance’s expertise and experience in the healthcare sector, the company is superbly positioned to provide customised group health insurance for business employees.

Union is able to underwrite policies that provide the all-important essentials of healthcare coverage. In addition, a gap analysis can be to performed to identify add-ons to offer more extensive coverage.

Union Insurance appreciates that every business has different requirements and offers flexibility within three broad areas:

Corporate Plan – superior customised coverage for large corporations backed by a sizable provider network (billing access at 3,400 providers).
Essential Benefits Plan – ensuring essential benefits supported by access at 1,600 providers.
Pioneer Plus Plans – a range of plans focused on SMEs across the United Arab Emirates.

Engineering Insurance

Union Insurance has grown hand-in-hand with the Emirates over the last decades. Union’s rich local knowledge has helped the insurance company design products addressing the specific risks faced by the engineering/construction industry in the UAE.

Multi-project cover is available to provide the safety net that the engineering and construction sector needs, including:

Contractors all risk.
Erection all risks.
Contractor’s plant and machinery.
Insurance also covers the crucial areas of machinery and electronic device breakdown as well as stock losses through damage and deterioration.

Property Insurance

UIC covers the various risks associated with commercial property with innovative solutions and far-reaching protections.

UIC’s Property All Risk and Fire and Allied insurances offer security against the normal perils – fire, water damage, infrastructure issues, and external impact. Protection is extended further to include riots and strikes, aircraft damage, malicious intent, and even tsunamis.

Business interruption is another valuable core feature.

Liability Insurance

Union Insurance insures against claims that can occur at any time in business. With 25 years of knowledge, the insurance company knows the vulnerabilities and has a solution for all:

Professional Indemnity – insurance to cover claims for professional negligence or error.
Employers liability – coverage for varied claims from employees for compensation.
Public liability– coverage for third-party injury or property damage.
Personal accident insurance – insurance covering workplace accidents.
Medical malpractice – insures medical professionals and facilities.
Fidelity – insurance for fraud and employee theft.

Contact Union Insurance

Union Insurance was founded in 1998 with a paid-up capital of over AED 330 million. The group currently operates 7 offices across the United Arab Emirates and plans to open new branches and offices on an ongoing basis.

Besides the product range, UIC also offers risk assessment and gap analysis of insurance coverage, conducted by respected professionals with decades of experience.

To contact Union Insurance Company:

Head Office: Single Business Tower, Sheikh Zayed Road, PO Box 119227, Dubai, United Arab Emirates
www.unioninsurance.ae
Enquiries: info@unioninsurance.ae
Comments: feedback@unioninsurance.ae
Toll-free: 800 UIC4U (84248)
WhatsApp: +971 56502 9975

FAQs

Does Union Insurance Company insure yachts?

Union Insurance offers insurance plans that insure yachts and other pleasure craft.

What is a gap analysis in insurance?

An insurance gap analysis is an exercise to identify any areas where the insured party may be underinsured.