Best HAYAH Investment Plans in UAE 2025

HAYAH Investment Plans offer a range of tailored, flexible, and affordable solutions to make your savings journey smoother and more rewarding. 

This article provides a detailed breakdown of HAYAH Investment Plans UAE, highlighting their features, benefits, eligibility criteria, and more.

Types of HAYAH Investment Plans in UAE

HAYAH presents a diverse range of investment plans to suit various financial objectives. One of the most popular plans is Simple Saver.

Each plan is uniquely crafted to meet the specific needs of individuals and businesses.

Simple Saver

If you are looking for a straightforward, easy-to-manage savings plan with low costs, Simple Saver is an excellent option. It is designed for those who want to start saving with minimal hassle and don’t want to actively manage their investments. With a starting contribution from just USD 20 per month, this plan is accessible to a wide range of investors.

Key Features of Simple Saver:

• Diversified Portfolios: The portfolios are managed by BlackRock, one of the world’s largest asset managers, ensuring high-quality management
• Low Fees: There are no hidden or additional charges, just a single low annual management fee that decreases as your savings grow
• Global Reach: Investments are made in a secure currency (USD) and spread across a range of asset classes
• Online Access: Manage your investments easily through a secure online dashboard

Eligibility:

• UAE residents aged 18-69
• Minimum payment term: 5 years
• Premium payments allowed up to age 74

How Simple Saver Works:

1. Choose Your Savings Amount: You can start with as little as USD 20 per month.
2. Select Your Investment Options: Choose from a selection of risk-rated multi-asset portfolios, or go for a Shariah-compliant fund option.
3. Automatic Growth: Your savings will grow through a well-managed portfolio, and you can monitor it online.
4. Access Your Savings Anytime: The platform gives you complete control over your savings, allowing you to access and manage your funds at any time.

Pricing:

Why Choose HAYAH Investment Plans?

Investing in a HAYAH investment plan provides a blend of financial stability, long-term growth potential, and peace of mind. 

The plans are specifically designed to cater to the evolving economic environment of the UAE. They offer —

• Global Accessibility: The plans are open to UAE residents and offer international fund options managed by top industry players
• Flexible Contributions: You can customise your contribution levels to match your financial goals and adjust them over time
• Secure Investment Options: HAYAH's plans are curated to ensure diversified and secure portfolios, managed by industry leaders like BlackRock
• Low Fees: With a transparent fee structure, HAYAH ensures that your investment grows with minimal deductions
• Peace of Mind: HAYAH’s plans are fully regulated by the Central Bank of the UAE, meaning your investments are protected by a trusted, secure system
  
  Plus, the platform provides automatic health checks and timely notifications to keep you informed and up-to-date with your investments.

Inclusions of HAYAH Investment Plans UAE

Here's an overview of what’s included in each HAYAH Investment Plan in Dubai —

Simple Saver:

• Manage your savings and investments digitally
• Savings held in US dollars (USD) for stability
• Save from as little as USD 15 per month
• A single, affordable management fee that decreases as your savings grow
• Access your savings anytime via your secure online dashboard
• Minimum of 5 years contribution period, with the option to continue saving until age 74

Additional Benefits for All Plans

1. Flexibility to Withdraw: 

You can withdraw your money anytime via your secure online dashboard, subject to maintaining a minimum policy value.

Note: Full withdrawals may incur a charge during the first 4 years.

2. Contribution Flexibility:

Contributions cannot be increased but can be reduced and later reinstated to the original amount.

3. Policy Termination on Death:

The policy ends upon the death of the policyholder unless a joint life plan is selected. In that case, the policy continues until the death of the surviving plan holder.

Death Benefit: 100% of the policy value at the time of death will be paid, without any deductions for full withdrawal charges (if applicable).

How to Stop Contribution in HAYAH Investment Plans? 

• Notify: To stop your regular contributions, simply inform HAYAH
• Resume Anytime: You can pick up your contributions again at any time, even if you've missed a few
• Minimum Policy Value: Ensure your policy value is sufficient to prevent the plan from lapsing. 

Note: Always maintain the required minimum policy value to avoid the risk of your plan lapsing.

How to Start Your Investment with HAYAH?

Managing your HAYAH Investment Plan is made easy with our user-friendly platform. You can follow these simple steps on Policybazaar.ae to get started: 

1. Click on ‘Investment’ plans in the UAE under the Insurance drop down menu
2. Enter the required details such as your name, mobile number and your monthly income, in the form on the right side of your screen
3. Click on ‘Invest Now’ and fill the details as prompted on the screen 
4. You will be redirected to the investment page 
5. Choose a relevant HAYAH investment plan
6. Enter the required details and submit

Once done, one of our representatives will contact you to assist you with your application. 

Partial Withdrawal Facility in HAYAH Investment Plans

HAYAH investment plans settlement process ensures that you can easily withdraw your savings or make adjustments to your portfolio easily —

Withdraw Anytime: You have the flexibility to withdraw your savings or stop your plan at any time. However, this is not recommended unless necessary.
Full Withdrawal Charge: If you decide to close your plan (surrender it) or if the plan falls below the minimum policy value within the first 4 years, a full withdrawal charge will apply.

• Charge in the First 4 Years: This charge is 20% of the contributions received during the first year
• After 4 Years: No full withdrawal charge will apply once the plan has been active for more than 4 years

Important Note: Stopping or withdrawing from the plan may impact your long-term financial goals. Therefore, it’s recommended to consult with your advisor before making such decisions.

Frequently Asked Questions