Ensure your family’s financial protection against life’s uncertainties

Hemaya Family Protection Plan

What is Hemaya Plan?

Hemaya Plan is a Sharia compliant plan which is designed to provide a lump sum payment to the beneficiaries in the event of Death (God Forbid), or to the Participant in the event of the supplementary covers being chosen – Total and Permanent Disability and/or Critical Illness cover. The Sum Takaful Amount is payable from death by natural causes or by accident, and the contributions can be paid monthly, quarterly, half yearly or yearly.

What do you get with this Plan?

Death Benefit – Death due to any cause:
In case of death of the Participant (God Forbid), the selected Death Benefit amount will be paid to your nominated beneficiaries. After Death Benefit has been paid, the plan will terminate and no other benefits may be claimed.

You may also enhance your plan by opting for the supplementary optional benefits:

Total Permanent Disability Benefit
This benefit offers you a lump sum payment in case, as a result of sickness or accident (God forbid) , you are no longer able to engage in any occupation or from performing any work for remuneration or profit, provided it is reasonably certain that such disability will persist throughout your lifetime.

Critical Illness Benefit:
Upon diagnosis of a covered critical illness, Al Hilal Takaful will pay a lump sum amount contributing towards the added financial costs associated with critical illnesses like medical bills, long term healthcare, or even your childcare expenses. This benefit covers the following 11 illnesses:
  1. Cancer
  2. Stroke
  3. Heart Attack (myocardial infarction)
  4. Coronary Artery Bypass Surgery
  5. Loss of Speech
  6. Major Organ Transplant
  7. Blindness
  8. Paralysis
  9. Kidney Failure (End-stage Renal Failure)
  10. Multiple Sclerosis
  11. Third Degree Burns


Death Benefit:
The death benefit amount payable is based on the level of life cover you have chosen

Total Permanent Disability Benefit (If Selected)

Critical Illness Benefit (If Selected)

Fixed Contribution amount:
This means that your regular contribution payments will remain constant throughout the term of your plan

3 Reasons why you must buy this plan

Flexible Plan Term

Additional Optional Benefits

Fixed Contribution Amount

The Top 5
Questions People Ask us

We looked at the most commonly asked questions and answered them for you.

The Top 5
Questions People Ask us

Take a look at the most commonly asked questions about life insurance.
A Life insurance policy is an affordable way to give you and your family members peace of mind, knowing that they will be protected in the unfortunate event of your death or disability. You will no longer have to worry about their financial future and can rest assured knowing they will be able to continue their current lifestyle.

The best time to start saving is Now. The sooner you start saving, the better the chances are your plan value will have the sufficient amount you will need in the future. We generally have fewer expenses at the earlier stage of our life, however as we grow older we accumulate more responsibilities and accordingly expenses tend to rise, so it would be easier for us to meet those increased expenses if we start saving as early as possible. In addition, starting to save early in life creates a positive habit of saving first then spending whatever remains of disposable income.

It depends on your income, liabilities and dependents. Generally, it should be at least 10-15 times of your annual income

The biggest benefit of investment being linked to insurance is that the plan provides a protection advantage. In the event death or disability occurs (God forbid), your savings might not be adequate to meet the dreams you had for the future. Thankfully insurance helps with that; with Death or Disability benefits offered, this will help meet the real purpose of the plan: your dream.

Saving & Protection plans can be for the purpose of Education, Regular Savings, Wedding, or Retirement, and they offer a number of benefits, such as

  • Long term Commitment: Encourages you to save consistently towards a future goal, be it a better education for your children, buying a house or starting a business, saving for your child or grandchild’s wedding or even saving towards your retirement. These plans also provide you with the flexibility to choose the mode of payment and frequency.
  • Takaful Death Benefit: God forbids in case of death, the protection element in these plans ensures that your future goal you had set for your children is still met. In case you had selected a retirement plan, you can rest assured that a lump sum will be paid out to your family for financial security.
  • Choice of Investment Strategy: Range of investment strategies are available that you can choose from based on your risk appetite.
  • Indexation: Helps your savings be protected against inflation

Let us help you plan for your better future!

Share your Basic Details and we will arrange a call back for you.

Bahrain Regional Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

Office 41, 4th Floor, Building No 2080, Seef Tower, Road No 2825, Al Seef 428, P.O Box 5832, Manama, Kingdom of Bahrain.

+973 1758 9800


Kuwait Branch Office

Sunday – Thursday, Opening Hours: 8:00 am – 4:00 pm

10th floor, February 25 Tower, Khalid Bin Alwaleed St., Share, Kuwait City, Kuwait.

(+965) 2294 2663