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Insurance Income Protection Plan


Protect your income from life's uncertainties

This protection solution covers you up to AED 350,000. It also offers an Involuntary Loss of Employment (ILOE) benefit as an optional component.

50 AED
Minimum Monthly Premium
350K AED
Maximum Sum Assured
6,000 AED
ILOE Cover
for a period of up to 3 months

Keep in mind

  • Premiums paid in Income Protection Plan do not have any account value since this is a term insurance plan.
  • Non-disclosure of any material information about health condition and medical history as required by the insurance provider may void your life insurance application or lead to any future claims being rejected by insurance providers.
  • Involuntary Loss of Employment Benefit starts after 180 days of policy commencement. Please ensure to read the insurance provider terms and conditions prior to purchasing the policy.
Key Features and Benefits

  • Comprehensive coverage of up to AED 350,000 due to sickness or accidental death.
  • Covers your rental and utility bills for up to three months.
  • Option to choose from varied sum assured benefits which cater to your specific needs and lifestyle.

Table of Benefits

The following plan options are available to choose from:

Benefits (in AED) Plan1 Plan 2 Plan 3 Plan 4
Silver Gold Platinum Titanium
Accidental Death Benefit 150,000 200,000 300,000 350,000
Lifestyle Benefits (Due to Accidental Death) 50,000 100,000 250,000 300,000
Lifestyle Benefits (Death due to Sickness) 50,000 100,000 250,000 300,000
Involuntary Loss of Employment (per month for 3 months) 2,000 3,500 4,500 6,000
Breakup of Lifestyle Benefits
House rent (per month for 3 months) 6,000 12,000 35,000 40,000
School fees (per month for 3 months) 3,000 8,000 25,000 30,000
Utility bills (per month for 3 months) 2,500 5,000 6,000 8,000
Essential Cash due to Death (per month for 3 months) 2,500 5,000 10,000 12,000
Cargo for shipping personal things to home country 4,000 5,000 11,000 15,000
Flying mortal remains to home country 4,000 5,000 11,000 15,000
Premiums (in AED*) Plan 1 Plan 2 Plan 3 Plan 4
Silver Gold Platinum Titanium
Monthly 50 90 140 200
Annual 600 1,080 1,680 2,400

*All premiums are subject to an additional VAT of 5%.

Eligibility Criteria

  • Open to UAE residents only with valid passport and visa copy
  • Minimum Entry Age : 18 years
  • Maximum Entry Age: 64 years
  • Maximum coverage Age for Death Cover: 65 years
  • For Involuntary Loss of Employment Benefits, the insured
  • Person must be:
    • A salaried employee with a minimum salary of AED 3,500
    • Max age at Entry: 59 years with maximum coverage for
    • Up to 60 years

Disclaimer & Terms and Conditions

Insurance Products are made available to you based on your need analysis and request. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (The Bank) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies.

The Bank is not responsible for rejected applications or claims by any insurance company. Premiums received by the Bank for insurance plans are not bank deposits. Investment products are not bank deposits and are not guaranteed by the Bank. They are subject to investment risks, including possible loss of principle amount invested. Past performance does not guarantee future results. Please refer to the bank’s Wealth Services Terms & Conditions

This website is for information purposes only and does not constitute an offer or solicitation to purchase investment products.

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