Ro'ya Education

The most valuable gift you can give your child is a good education

What is Ro'ya Education?

Children are every parent’s pride and joy and nothing in the world equals the happiness a parent feels when attending his or her child’s graduation ceremony, a ceremony that indicates the start of a new life for a young man or woman equipped with enthusiasm, optimism and the valuable knowledge acquired during their years in school and university.

As parents, it is our responsibility to make sure our children receive the knowledge and skills necessary for them to successfully navigate the life ahead of them, an education that will shape their future, an education that will be the most valuable gift a parent can offer his son or daughter.

Ro’ya Education is a Shari’a compliant Savings and Protection plan designed to enable parents to make sure their child receives this valuable gift. The plan allows the parent to gradually accumulate the money needed for his or her child’s university education while benefiting from a valuable takaful coverage that will ensure that school education remains uninterrupted and university education secured and available as originally intended by the parent even in the unfortunate event of the early death or total permanent disability of the covered parent.

What do you get with this Plan?

Ro’ya Education Plan offers four Main Plan Benefits that will help you reach your future financial goals:

  • Saving for your Child’s University Education
  • Your choice of investment funds
  • Death Benefit Cover for you Child’s University Education
  • Monthly Schooling Benefit

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

Total Permanent Disability Benefit:
This benefit offers the parent a disability cover equal to that selected for the Main Death Benefits payable in case of the parent’s total & permanent disability resulting from sickness or accident (God Forbid).

Additional Death Benefit:
In the event of the parent’s death (God Forbid), an Additional Death Benefit is paid as an immediate lumpsum to the beneficiaries. This benefit is payable over and above the Main Death Benefits.


Tailor-made Plan:
Ro’ya Education Plan can be tailor-made to your unique needs by giving you the flexibility to choose the targeted University Education Amount for your child, the targeted term of your plan based on your child’s age, the Monthly Schooling Benefit Amount for your child based on your needs, the investment strategy that best fits your risk appetite, the supplementary optional benefits that would enhance the scope of your coverage.

Adaptable Benefits, Investments and contributions:
Ro’ya Education Plan also allows you to manage your benefits, contributions and investments to adapt to the changing personal and market conditions.

Withdrawal Facilities:
You would also have access to cash, should the need arise, as Ro’ya Education Plan allows for partial withdrawals or surrenders which can be made at any time after the plan has been active, and contributions have been paid, for 24 months.

3 Reasons why you must buy this plan

Commitment towards saving for your Child's Education

Built-in Monthly Schooling Benefit

Adjustable Optional Benefits

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

17th Floor, Office 1701/1702, Building 470, Road 1010, Sanabis 410, 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