1. Sum insured
The maximum the insurer will pay in the period. On property this must reflect rebuild or replacement cost, not market value. Under-insure and most policies apply average — a 30% shortfall means a 30% reduction on every claim, not just large ones.
2. Excess or deductible
What you pay first on each claim. A higher excess buys a lower premium. Check whether it applies per claim or per event, and whether separate excesses apply to specific perils like water damage.
3. Sub-limits
Caps inside the main limit. Maternity, dental, physiotherapy and valuables all commonly carry them. A plan with a headline limit of AED 1,000,000 and a dental sub-limit of AED 1,500 covers dentistry to AED 1,500.
4. Territorial limits
Where the cover operates. Motor policies extending to the GCC and health plans covering treatment outside the UAE both live in this field.
5. Period of insurance
Exact start and end times, not just dates. Cover typically begins at 00:00 on the start date — a claim on the morning of the first day is often the one that gets argued about.
6. Endorsements
The clauses added to or removed from the standard wording for your specific policy. This is where a named exclusion for a pre-existing condition, or an added benefit you paid for, will appear. Read them before the main wording — they override it.
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