Q: Dear Sir, Madam, I have a question in relation to the DHA mandatory health insurance cover that has come into effect. I am the owner of a Dubai-based FZ company and have my residence visa through an employment contract with this company. The health insurance that I do have is DHA approved, but was requested and issued under my own personal name - and is therefore not linked to the company in any way. Is that a problem? Does the mandatory health insurance have to be requested by, and issued to the company? Thanks.

Q: Sir, my husband bought a house in Dubailand on December 10th 2015. He had paid half of the total amount rest he had taken a loan from Noor Bank. But very unfortunately he was diagnosed with cancer from 2016 February. He has been undergoing treatment since then. But he has been paying the bank EMI every month. But the treatment for his cancer did not work and he passed away on April 2017. We informed Bank. My husband has made insurance (Takaful) while buying this property. I have also informed about the bank about this. But they are asking for 6 months bank details of husbands which is not possible for me to give. Now what is the option left in front of me, Sir? Sir, plz help with your advice.

Q: A person expired and the cause of death is suicide. Insurers in the UAE have rejected the claim on the grounds of the suicide exclusion which is applicable by law: "This insurance does not cover death as consequences of: c) Directly or Indirectly occasioned through any unlawful or criminal act of the insured person." Is suicide considered unlawful or criminal act in the UAE?

Q: I took insurance policies with a reputable company. There is initial contribution period of 2 years, wherein you cannot withdraw or touch your own money. Both policies started around April 2014 and I paid diligently until October 2015. The monthly contribution is around AED 2100 per month. I stopped the other plan briefly then continued to pay until around April 2016. Because of more financial difficulties, I was not able to pay my monthly contribution starting April 2016. My financial adviser said that my money is still there until maturity. When I checked again, my policy is gone along with my contribution. The call centre agent said it went to the charges. I have another plan, which is also untouchable at the moment. The financial adviser did not tell me anything about it. I want to complain about the insurance company, as well as the broker where my financial adviser works. Is there any legal way to recover that money? I hope you can help me.

س: سأكون ممتنًا لنصيحتك القانونية حول السيناريو التالي: لقد وضعت (قمت بالولادة) في مستشفى في 16 مايو. في وقت الدفع، لم يطلبوا منا دفع أي شيء وقالوا إن التأمين يغطي ذلك. بعد أكثر من شهر، اتصلوا بنا قائلين أنهم ارتكبوا خطأ، وأن قيمة ما يغطيه التأمين هو نصف الفاتورة فقط وطلبوا منا دفع الباقي من المبلغ. هل ما زلنا ملزمين ومسؤولين عن السداد بعد أن تم إصدار الفاتورة؟

أدخلت هيئة التأمين نظامًا جديدًا لتنظيم جميع عمليات التأمين الإلكترونية والذكية التي تمارسها شركات التأمين وأصحاب المهن المرتبطة [مثل وكلاء التأمين والخبراء الاكتواريين ووسطاء التأمين والمسّاحين وخبراء تقدير الخسائر ومستشاري التأمين] وتسويق وثائق التأمين من خلال البنوك بالقدر الذي ينطبق على طبيعتها. الهدف من هذا المقال هو مناقشة التغييرات التي أدخلها النظام الجديد بإيجاز.

The law promulgates UAE Civil Procedures Code (Civil Procedure Law) which governs civil procedures in the United Arab Emirates, including the prosecution before the courts, litigation and execution.