Plan for recovery, not financial strain

When you're diagnosed with a major illness, the first priority is health. But as the reality sinks in, many families face another stressor finances. Treatment costs, time away from work, and ongoing living expenses can pile up fast.

Critical illness insurance is designed to help you through that. It gives you a lump-sum payment if you’re diagnosed with a covered illness. That payout goes directly to you. There are no restrictions on how you spend it. Use it for medical care, cover bills, pay off debt, or simply get the time and space you need to recover.

At Sijo Mathews, we help people across the UAE build critical illness insurance Dubai plans that match their life stage, responsibilities, and financial goals.

What Is Critical Illness Insurance?

Critical illness insurance is a protection plan that pays out a one-time, tax-free lump sum if you're diagnosed with a serious illness specified in your policy. Unlike health insurance, which pays hospitals or clinics, this benefit is paid to you.

It's practical support during a difficult time. You can use it to:

• Cover out-of-pocket treatment costs
• Pay your rent, mortgage, or loans
• Hire home support or childcare
• Travel for care
• Take time off work

You're in control of the money, because you're the one who needs it most.

What Conditions Are Covered?

Every policy includes a defined list of critical illnesses. The most common include:

• Cancer (early and advanced stages)
• Heart attack
• Stroke
• Kidney failure
• Major organ transplant
• Coronary artery bypass surgery
• Multiple sclerosis
• Permanent paralysis
• Severe burns
• Loss of speech or vision
• Advanced neurological conditions (like Alzheimer’s or Parkinson’s)

These are the types of diagnoses that can stop life in its tracks. That’s why having critical diseases insurance in place makes such a difference. It allows you to deal with one crisis at a time—starting with your health.

Life Insurance with Critical Illness Cover

If you're looking for more comprehensive protection, consider combining coverage. Life insurance with critical illness means you're protected during your lifetime and your family is protected after.

This type of policy includes:

• A lump-sum payout if you are diagnosed with a critical illness
• A death benefit for your beneficiaries if you pass away during the policy term

Life and critical illness cover gives you flexibility, value, and reassurance. It’s a smart way to protect your future, especially if you’re supporting a family or have long-term financial responsibilities.

We’ll help you compare stand-alone critical illness cover vs. combined plans, so you understand the pros and cons of each based on your situation.

Why Is Critical Illness Insurance Important in the UAE?

The UAE offers excellent private healthcare, but high-quality care often comes with a price. Even if you have employer-provided health insurance, it may not cover everything. Most policies won’t help with lost income, support services, or alternative treatment abroad.

Critical illness insurance Dubai gives you a financial cushion when it’s most needed. This is especially relevant if you:

• Are the main earner in your family
• Run your own business or work freelance
• Support dependents or pay for school fees
• Have a history of critical illness in the family
• Don’t want to dip into your savings in a crisis

In short, it’s about staying in control—even when life doesn’t go as planned.

Who Should Consider Critical Diseases Insurance?

Critical diseases insurance isn't just for older adults. Illness can strike at any age, and the impact can be devastating without a plan in place.

This protection is worth considering if you:

• Are between 25–60 years old
• Have people relying on your income
• Are paying off a mortgage or long-term loan
• Would struggle to maintain your lifestyle without work
• Don’t want your family to absorb medical or household costs if you fall seriously ill

Having critical diseases insurance Dubai gives you a way to protect yourself and your loved ones, not just physically but financially too.

How It Works

The process is simple and transparent.

1. We assess your needs
   We start with a short consultation to understand your goals, risks, and budget.
2. You choose a plan
   We’ll show you options for standalone critical illness insurance, or bundled life and critical illness cover. Plans vary in term length, payout size, and covered conditions.
3. You apply
   You fill out a short application. Depending on the insurer, you may be asked for a medical report or basic health check.
4. You're covered
   Once approved, your policy begins. If you're diagnosed with a covered illness, you file a claim, submit documentation, and receive the lump sum.

There’s no reimbursement process, no restriction on how to use the funds, and no waiting around. You can use the payout however it helps you best.

Why Choose Us?

At Sijo Mathews, we don't push policies. We help you plan for life's unexpected turns. Our clients appreciate our clear explanations, honest opinions, and practical approach.

We take time to answer your questions like:

• What's the difference between life insurance and critical illness cover?
• Should I buy both separately or together?
• How much cover do I really need?
• How does this fit into my broader financial planning?
   

We’re here to guide you. You make the decision.

FAQs

Can I add critical illness cover to my existing life insurance?
Yes. Many policies allow you to add life insurance with critical illness as a rider. We’ll check what’s possible and what makes the most sense based on your current coverage.

How much coverage do I need?
It depends on your income, debts, dependents, and financial goals. A good rule is to cover at least 1–2 years of expenses.

Is it expensive?
Not necessarily. Younger, healthier clients usually get lower premiums. We help you find a plan that fits your budget while still offering real protection.

What if I recover fully?
The benefit is paid regardless of the outcome. It's not about survival—it's about the diagnosis. That’s what triggers the payout.

Take the First Step

If you've been thinking about protecting your future, now is a good time to act. A critical illness doesn’t give warnings. But you can be ready for it.

Let’s talk about:

• Critical illness insurance that pays when it matters
• Life insurance with critical illness for broader protection
• Tailored critical diseases insurance for individuals and families in Dubai
• Combined life and critical illness cover that’s flexible and affordable
   

Contact us today for a consultation. No pressure. Just straight answers and solutions that work.

In Dubai’s fast-paced and competitive business world, people are your most valuable asset. But what happens if a founder, CEO, or top-performing executive—someone critical to your company’s success—suffers a serious illness, disability, or even death?

Key person Insurance is designed to protect your business from such risks. It provides a financial safety net, ensuring business continuity, investor confidence, and long-term stability.

What is Keyman Insurance?

Keyman Insurance is a life or disability insurance policy taken out by a business on the life of a key individual.

• The company is the policyholder and pays the premiums.
• The company receives the payout in case of the insured person’s death, disability, or critical illness.

This lump sum payout helps cover recruitment and training costs, repay business loans, and maintain operations during the transition period. Unlike personal life insurance, the benefits are strictly for business protection.

Why Keyman Insurance is Essential for Dubai Businesses

1. Business Continuity

Losing a key person can result in reduced revenue, disrupted operations, and loss of clients. A Keyman Insurance payout ensures your business has the financial support to keep running smoothly.

2. Succession & Partnership Planning

For family businesses or partnerships, Keyman Insurance helps with smooth ownership transitions and buy-sell agreements, allowing the business to continue without legal or financial disputes.

3. Loan & Debt Repayment

If your business has loans or credit facilities tied to a key individual, the insurance payout can help settle debts, protecting your company’s creditworthiness.

4. Investor & Lender Confidence

Banks and investors often view Keyman Insurance as a risk mitigation strategy. Having a policy in place builds trust and can make it easier to secure funding.

5. Supplier & Client Assurance

Ensuring business stability after the loss of a key person reassures suppliers and clients, preserving your company’s reputation.

6. Employee & Team Morale

Knowing the company has financial safeguards in place boosts confidence among employees, showing that the business has a solid continuity plan.

Key Features of Keyman Insurance in Dubai

Policy Ownership & Premiums

• Owned and paid by the company
• The company is the sole beneficiary of the policy payout
   

Types of Policies

1. Term Keyman Insurance – Affordable and ideal for temporary needs, such as loan repayment or project-based coverage.
2. Whole Life Keyman Insurance – Offers long-term protection, building cash value over time.
3. Critical Illness & Disability Riders – Optional add-ons to protect against total disability or serious illnesses.
    

Flexible Payout

The claim amount can be used at the company’s discretion—whether for hiring replacements, clearing liabilities, or maintaining operations.

Who Should Be Covered Under Keyman Insurance?

Not every employee qualifies for Keyman Insurance. It is typically taken out for individuals whose absence would directly affect the company’s profits or survival:

• Founders, CEOs, and Managing Directors
• Senior Executives, CFOs, or Heads of Sales
• Specialized Technical Experts or Product Developers
• Partners or Shareholders in a business
   

If losing a person would result in financial loss, damaged client relationships, or operational challenges, they should be insured.

How Much Coverage Do You Need?

The amount of coverage depends on several factors:

• Contribution to Revenue – Estimate how much income or profit depends on that person.
• Replacement Costs – Include hiring, onboarding, and training expenses.
• Outstanding Business Liabilities – Consider debts, credit facilities, and supplier obligations.
   

A general rule is to cover 3 to 5 times the annual profit contribution of the key individual or at least equal to the total outstanding loans.

How Keyman Insurance Works – Step by Step

1. Identify Key Individuals – Determine which team members are critical to operations.
2. Assess Coverage Needs – Calculate potential financial losses if that person is lost.
3. Choose the Right Policy Type – Term, whole life, or policies with critical illness riders.
4. Underwriting & Medical Checks – The key person undergoes health and financial assessment.
5. Policy Issuance – The company owns the policy and pays the premium.
6. Claim Settlement – In the event of death or disability, the company receives a lump sum to support business continuity.

Tax & Financial Considerations in Dubai

• Premiums – Often considered a legitimate business expense (check with your tax advisor).
• Claim Payouts – Generally not taxable, making them an efficient way to fund business recovery.

Always consult a financial advisor for personalized guidance, as regulations may vary depending on your business structure.

Benefits of Keyman Insurance for Dubai Businesses

• Protects your company from sudden revenue losses
• Enhances investor and lender confidence
• Acts as collateral for business loans
• Secures partnerships and shareholding agreements
• Improves corporate reputation and business valuation

Frequently Asked Questions

1. Who owns the Keyman Insurance policy?

The company owns the policy, pays the premium, and is the sole beneficiary of the payout.

2. Can disability or critical illness be covered?

Yes, additional riders can be added to cover permanent disability or major illnesses.

3. Are Key person Insurance premiums tax-deductible in Dubai?

Premiums may be treated as business expenses, but consult a financial advisor for confirmation.

4. What is the usual policy term?

Term policies can range from 5 to 35 years, while whole life policies provide lifelong coverage.

5. How quickly are claims processed?

Most insurance companies in Dubai process claims within 2 to 4 weeks after receiving the necessary documents.

A BETTER APPROACH TO LIFE & FUTURE

I BELIEVE IN THE WORDS OF BEN FELDMAN

“WE DON’T SELL LIFE INSURANCE.

WE SELL WHAT LIFE INSURANCE CAN DO”.

As a financial advisor in Dubai and a proud MDRT Life Member, I don’t just talk premiums and policies — 

I talk about peace of mind, income protection, and the freedom to live life without financial fear.

Because the truth is, insurance isn’t about what might happen — it’s about what must keep happening, no matter what.

Why Life Insurance Matters — Especially in the UAE

If you have a family, you already know you need life insurance.
If you own a home, you need mortgage cover.
If you run a business — you need to protect your people, your partnerships, and your legacy.

But more than all of that —
???? Life insurance is a financial love letter to the people you care about most.

A well-built plan can:

Replace your income in case of death, disability, or illness

Cover your loans, mortgages, and children’s school fees

Preserve your home, your lifestyle, and your dignity

Leave behind a legacy — not a liability

“It’s better to have it and not need it, than need it and not have it.”

Life Insurance in the UAE – A Must-Have for Expats

As an expat in the UAE, your protection isn’t automatic.
There’s no social security net or lifelong employer pension.

That’s why I help professionals, families, and business owners across Dubai, Abu Dhabi, Qatar, Oman, and India with:

Term life insurance that fits your budget

Whole life & savings-linked plans that grow with you

Key man & partnership insurance for business continuity

Education and retirement planning under one umbrella

Whether you're here short-term or planning a life abroad, this is how you protect your income and preserve your family’s stability.

Critical Illness Insurance — Also Known as “Living Insurance”

Most people confuse health insurance with critical illness insurance.
Let me make this simple:

Health insurance pays the hospital.

Critical illness insurance pays you — a lump sum — when you're diagnosed with a major illness (like cancer, stroke, heart attack, or accident).

This payout lets you:

Replace your income during recovery

Cover rent, school fees, and loan EMIs

Travel for treatment or take time off to heal

Recover on your terms — not under financial pressure

It’s “living insurance” because it helps you keep living — even when life throws a punch.

Why This Matters More Than Ever

???? According to WHO:

15 million people suffer strokes each year

Cardiovascular diseases are the #1 global killer

Cancer and diabetes are rising rapidly, even in people under 50

Still think you’re too young?
Here’s the truth: by the time you need it, it’s often too late to get it.

Critical illness insurance in the UAE is:

Affordable for healthy individuals

Customizable for your lifestyle and income

A smart backup for every family, freelancer, and founder

 Real Protection. Real Peace of Mind.

Here’s what my clients love about these plans:

Simple structure, flexible options

Tax-friendly for expats

Easy claims process

It’s not just insurance. It’s income protection, emotional backup, and dignity in tough times.

And because I walk the talk — my own family is covered too.

Plan While You’re Healthy. Act Before It’s Urgent.

If you:
Have a child depending on you
Are the sole earner in your family
Want to retire without relying on luck
Value peace of mind more than guesswork…

Then let’s build your plan — together.

Let’s Talk — No Jargon, No Pressure

Book a free 20-minute chat.
We’ll talk about your goals, your risks, your income — and how to protect it all.

[Book a Call]
[WhatsApp Me]
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Because your future isn’t a maybe. And neither should your protection be.

Invest in Your Children’s Future

To be a graduate is expensive. Not being one? Even more so.
A graduate earns 3–4 times more than a non-graduate. 

Every parent knows education is the best investment they can make for their child.
 

In the UAE, UK, US, or Australia — higher education isn’t cheap. 

And unless your child has a full scholarship, you’ll be the one funding it. 

Starting early allows you to spread the cost and avoid last-minute financial stress.

Many expats save back home in INR, but when it comes time to convert to USD or GBP — the gains often vanish. 

Planning in a hard currency (USD, GBP, AED) gives you global flexibility and security.

 

Why Start Now?

- Education inflation is real. Fees rise every year.  
- Cost of living abroad can double total costs. 
- Currency conversion can erode your savings. 
- Proof of funds is often mandatory for student visas.  

Start small. Grow as your income grows. It’s about consistency — not perfection.

 What Will It Cost?

Here’s what a 4-year college degree could cost in today’s terms:

USA – $91,832  |  UK – £48,000 |  UAE – AED 192,308

And here’s how much to save monthly for each child @5% annual inflation, 

assuming 6% return on investment:

10 years to college ? AED 3,953 | AED 2,627 | AED 2,323  
8 years to college  ? AED 4,925 | AED 3,280 | AED 2,902  
5 years to college  ? AED 7,021 | AED 4,623 | AED 4,092

Start saving in strong currencies and internationally portable education plans.
Let’s build a future-proof strategy for your child — so dreams don’t turn into debts.
 

Retirement Planning – For You & Your Partner

“What do you call an aged man with money? A gentleman.  
Without money? Just an old man.”

Retirement isn’t a number. It’s a lifestyle — of freedom, dignity, and rest from responsibilities.

Most people plan retirement for themselves. But here’s a question: Are you planning retirement for your wife too?

She’s spent her life running the home — raising kids, managing meals, balancing schedules. 

If you’re planning a peaceful retirement, it should include her freedom too.

Even if she’s a homemaker, she’s earned it. Even more so, if she’s been working alongside you.
 

Real Retirement = Real Inclusion

- Add the cost of a cook, maid, cleaner to your pension plan.  
- Create monthly income streams that give you both peace of mind.  
- Free her from unpaid responsibilities so you can enjoy the next chapter — together.

Retirement is not the end of work. It’s the reward for a lifetime of effort — for both of you.

Want to show her what money can really buy? 
Plan her retirement too.

 “THERE IS MUCH MORE THAT MONEY CAN ACTUALLY BUY“.