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: منذ عامين، استأجرت مساحة في مستودع (وليس المستودع بأكمله) لتخزين الأغراض الخاصة بعملي. على أي حال، تعرض المستودع للفيضان في شهر يناير 2020 وتضررت أغراضي بالكامل. منذ ذلك الحين، استمروا في القول إنهم غير مسؤولين عما حدث، ولكنه، "الحظ". لديهم بالفعل بوليصة تأمين لتغطية ثلث تكلفة البضائع. ليس لدي عقد موقّع معهم، لكن لدي عرض الأسعار الأصلي والفواتير الشهرية التي أرسلوها. يتضمن عرض الأسعار الأصلي أيضًا التأمين في حالة التلف الكلي، والذي كان في الواقع أحد الأسباب التي دفعتني للتعامل معهم. لقد تحدثت مع اثنين من المحامين عبر الهاتف، لكنهما قالا أشياء معاكسة تمامًا، وأعتقد أن ذلك يرجع إلى أنهما ربما لم يتعاملا أبدًا مع قضايا مماثلة، لذلك أتمنى أن أجد شخصًا يعرف فعلاً ما ينص عليه القانون ويمكنه تقديم الدعم لي وفقًا لذلك. لا أمانع البدء في إجراءات رفع قضية، لكنني بحاجة إلى معرفة ما إذا كان القانون التجاري يدعم موقفي وأنهم سيتحملون المسؤولية الكاملة.

س: سيدي/سيدتي، فرض عليّ صاحب العمل رسوم التأمين الصحي للأسرة في أبو ظبي على الرغم من أن قانون التأمين الصحي في أبو ظبي يغطي ما يصل إلى طفلين. ما هي الطريقة القانونية لاسترداد المبلغ من الشركة؟

Q: Dear Sir/Madam, I was terminated from my job due to the closure of operations. I purchased a one-year ILOE (Involuntary Loss of Employment) insurance policy last January. Am I eligible to claim?

Q: Dear Sir/Madam, Can I claim Involuntary Loss of Employment (ILOE) insurance if I was terminated a month before my contract ends due to cost-cutting? I paid for a one-year subscription, but I have not reached one year since it only started in January 2023.

Q: Dear Sir/Madam, My brother's company has not renewed his insurance since April 2023. He was not aware of this until he switched companies in December 2023. Now, the new company is processing the insurance details, and they have informed him that there is a fine to pay. They advised him to talk to the previous company about settling it. However, the HR from the previous company is avoiding my brother and not responding to his calls or messages. In this situation, will he have to end up paying the fine? Or can we file a police complaint against the employer? Can you please advise? Thank you!

Q: Dear Sir/ Ma’am, I am writing to know what I should do if a Dubai mainland company is not renewing my medical health insurance. I sent an email to the company as well, but they are not responding. Please kindly advise! Thanks!