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A portion of the takaful contribution paid by participants will be charged as Wakalah fee by YAS Takaful (PJSC) to pay for operational expenses. As approved by our Fatwa and Shari’a Supervisory Board, this wakalah fee may not exceed 35 per cent of the total takaful contribution for the year 2023-24

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About Takaful

What is Takaful?

Takaful is a form of Islamic insurance, adhering to sharia principles, where participants pool their contributions to provide mutual protection against loss or damage, offering coverage for health, life, and general insurance requirements.

What are the principles of Takaful?

The core principles of Takaful include members’ ta’awun (cooperation) for mutual benefit, Tabarru (voluntary contributions) to support those in need, pooling of losses and liabilities, elimination of uncertainty through donation-based subscriptions, avoidance of unfair advantage, and investment in Sharia-compliant funds.

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Real Reviews From Real People

Mr. Hussam Hassan, Managing Director, Unity Insurance Brokers
★★★★★
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“I have been with YAS Takaful for many years now and have always found their Management and staff very accommodating and helpful. Their service is always fast and efficient.”
Mr. Eyad Al Jamal, Managing Partner, Al Berwaz Insurance Brokers
★★★★★
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“YAS Takaful always provide prompt service and advice and are very competitive when providing quotes for services.”
Mr. Ali Ghuname, Owner, AL DAR University College
★★★★★
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“We have been happy with the service and pricing of the products that we are using for our business. Communication between is comprehensive and keeps us in the picture to what is happening with our insurances.”
Mrs. Khulood Hafez, Managing Director, Technical Insurance Services Co.
★★★★★
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“A professional organization with customer service a high priority, knowledgeable staff and competitively priced insurance products. Competitive pricing also comes with a good serve of friendliness and super-efficient claims service.”
Mr. Hussam Hassan, Managing Director, Unity Insurance Brokers
★★★★★
Read More
“I have been with YAS Takaful for many years now and have always found their Management and staff very accommodating and helpful. Their service is always fast and efficient.”
Mr. Eyad Al Jamal, Managing Partner, Al Berwaz Insurance Brokers
★★★★★
Read More
“YAS Takaful always provide prompt service and advice and are very competitive when providing quotes for services.”
Mr. Ali Ghuname, Owner, AL DAR University College
★★★★★
Read More
“We have been happy with the service and pricing of the products that we are using for our business. Communication between is comprehensive and keeps us in the picture to what is happening with our insurances.”
Mrs. Khulood Hafez, Managing Director, Technical Insurance Services Co.
★★★★★
Read More
“A professional organization with customer service a high priority, knowledgeable staff and competitively priced insurance products. Competitive pricing also comes with a good serve of friendliness and super-efficient claims service.”


About Us

Established in 2008, YAS TAKAFUL (formerly known as Al Hilal Takaful) was acquired in 2020, as a pioneering Takaful company based in the UAE. Our Groups rich history and expertise in the financial industry have solidified our position as a trusted provider of Sharia’h-compliant takafulsolutions.

At YAS TAKAFUL, we prioritize the protection and well-being of our valued customers. With our customer-centric approach and unwavering commitment to ethical practices, we offer a comprehensive range of takafulproducts and services tailored to meet the unique needs of individuals and businesses.

With over a decade of experience, we have cultivated a team of dedicated professionals who bring their expertise and passion to deliver exceptional customer experiences. Our advanced technology and streamlined processes ensure efficient and prompt claims settlement, providing our customers with peace
of mind.

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