Insurance in Sharjah

Insurance helps individuals, families and businesses in Sharjah manage the financial effect of accidents, illness, property damage and other insured events. The right type of policy depends on the assets, people and business activities that need protection.

Al Buhaira Insurance provides personal and business insurance services from its head office in Sharjah. Every policy remains subject to its coverage, limits, deductibles, exclusions and underwriting requirements.

Personal Insurance in Sharjah:

Common personal insurance products include:

1. Medical Insurance: Medical insurance may provide access to outpatient consultations, diagnostic services, prescribed medicines, inpatient treatment, emergency care and maternity benefits through an assigned provider network.
2. Motor Insurance: Vehicle owners can select third-party liability insurance or loss and damage coverage, commonly marketed as comprehensive motor insurance.
3. Home Insurance: Home insurance may protect an eligible residential building, household contents, personal belongings and owner or tenant liability against covered events.
4. Travel Insurance: Travel insurance may cover eligible medical emergencies, trip interruption, baggage-related losses and other insured travel events.
5. Yacht and Jet Ski Insurance: Owners may request cover for eligible vessels, personal watercraft, third-party liability and specified marine risks.

Business Insurance in Sharjah:

Companies may consider insurance for:

1. Commercial Property: Coverage may be arranged for insured buildings, equipment, stock and other business assets against specified risks.
2. Motor Fleets: Businesses operating multiple vehicles may arrange fleet motor insurance based on the vehicle types, uses and driver information.
3. Liability Risks: Liability insurance may cover eligible legal responsibility arising from business activities, products, employees or third-party claims.
4. Marine Insurance: Businesses may insure eligible cargo, vessels and marine-related risks according to their trading and transportation activities.
5. Engineering and Energy Risks: Insurance may be available for eligible construction, machinery, equipment and energy-related risks.

Which Insurance Is Required?

Requirements depend on the product and insured person:

1. Employee Medical Insurance: Employers must arrange health insurance for eligible private-sector employees in Sharjah under the applicable federal scheme.
2. Domestic Worker Medical Insurance: Employers or sponsors must arrange coverage for eligible domestic workers under the applicable requirements.
3. Motor Insurance: A vehicle must have valid motor insurance. Third-party liability covers eligible liability for injury or damage caused to another person, vehicle or property.
4. Home Insurance: Home insurance is not generally mandatory by law but may be required under a mortgage, tenancy contract or other property agreement.
5. Business Insurance: Requirements may arise from legislation, contracts, landlords, lenders, clients or the nature of the business activity.

How to Choose an Insurance Policy:

Review these points before purchasing:

1. Coverage: Confirm which people, assets, activities and events are insured.
2. Limits and Sums Insured: Check the maximum amount payable under the policy and any separate benefit or item limits.
3. Deductibles and Co-payments: Understand the amount the policyholder or insured member must contribute.
4. Networks and Service Providers: For medical or motor insurance, check the assigned healthcare network, garage network or repair conditions.
5. Exclusions: Review circumstances, activities, treatments or losses that are not covered.
6. Claims Requirements: Confirm notification deadlines, required documents and the applicable claims process.

How to Request an Insurance Quotation:

Follow these steps:

1. Select the Insurance Product: Choose the personal or business insurance relevant to your needs.
2. Provide the Risk Details: Submit the requested personal, medical, vehicle, property or business information.
3. Provide Supporting Documents: Upload the identification and product-specific documents requested.
4. Review the Quotation: Check the premium, coverage, limits, deductibles and exclusions.
5. Complete the Application: Confirm the information and complete the applicable policy-issuance process.

Common Documents Required:

Documents depend on the selected insurance product:

1. Medical Insurance: Emirates ID, passport, residence visa, sponsor information and medical declaration.
2. Motor Insurance: Emirates ID, valid UAE driving licence, vehicle registration card and inspection certificate, if requested.
3. Home Insurance: Emirates ID, title deed or tenancy contract, property information and estimated building or contents values.
4. Business Insurance: Trade licence, company information, asset values, activity details and other underwriting documents.

Why Choose Al Buhaira Insurance?

Customers in Sharjah can access:

1. Sharjah Head Office: Al Buhaira’s head office is located at Buhaira Insurance Towers on Buhaira Corniche in Sharjah.
2. Personal and Business Products: Customers can enquire about medical, motor, home, travel, property, marine and other eligible insurance products.
3. Online Insurance Services: Selected quotation and policy services are available through Al Buhaira’s online channels.
4. Medical Network Search: Medical policyholders can search healthcare providers according to their assigned network, provider type and speciality.
5. Claims and Policy Support: Dedicated contact channels are available for policy, claim and service enquiries.

Frequently Asked Questions: