Q: Dears, I have a health insurance claim of 50K AED that was rejected by the insurance company because they think it is a pre-existing condition. The health issue was a heart attack that occurred for the first time so it is not a pre-existing condition. I would like to make an appeal on that rejection. I have all the documents (medical reports, invoices...). Best regards.

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.

Q: I am seeking advice on behalf of my sister. My sister's husband worked for a company in Dubai and was away on business in Singapore, on a free weekend he took a leisure trip to a Malaysian island and was, unfortunately, killed in an accident. The company said that the business insurance will not cover the accident due to it being a leisure trip whilst on business. They are also withholding access to his laptop, although it is a work laptop, she feels there might be important policies, accounts and documents on it that are online only with no paper documentation. She will need to visit the UAE to sort out his flat and belongings, close any accounts he may have had and visit his employer to recover any payments due and discuss insurance payments. She has asked me to see if I can find any legal advice relating to these matters and to ask if there are points to be wary of, and, once she is back in the UAE I guess she will need legal representation in these matters.

س: مرحبًا، أخطط لشراء عقار في إمارة دبي. أود أن أضيف زوجتي وأخي باعتبارهم مشاركين في ملكية العقار. زوجتي وأخي يعملان بأجر وأنا أعمل لحسابي الخاص على مدى السنوات الأربع الماضية. أود أن أعرف ما هي الخيارات المتاحة لي من أجل الحصول على قرض عقاري لشراء المنزل في ضوء هذه المعطيات. هل يمكن أن نتقدم معًا للحصول على رهن عقاري من البنك أم سيكون من الأفضل أن يتقدم شخصان يعملان بأجر، وهما زوجتي وأخي، للحصول على القرض العقاري؟

س: مرحبًا، أنا مقيم في الكويت وتعرض عليّ شركة تمويل مقرها أبو ظبي قرضًا بقيمة 100000 دولار بشرط دفع تأمين 1% مقدمًا لمعالجة القرض. يقع مكتبهم في أبو ظبي. أريد شخصًا للتحقق من مصداقية هذه الشركة؛ لمعرفة ما إذا كانت شركة حقيقية أم احتيالية، والتحقق من ترخيصها/تسجيلها، وما إلى ذلك، وفهم شروط القرض، علاوة على ذلك، دفع رسوم التأمين 1% فقط إذا كانوا راضين.

The provisions of this Law apply to the mortgage of real roperty as security for debt. It makes no difference whether the debt is secured by a charge over the whole of the property or over an undivided interest therein or by right in rem or personal right over a property marked as sold off-plan.