Protection you can actually stand under.
Chhaya is a digital-first protection platform already trusted by thousands of members across South Asia. We're bringing the same simple, paperless approach to health, motor, travel and wellness cover to the United Arab Emirates.
The track record we're bringing to the UAE
Insurance, minus the parts everyone dreads.
We rebuilt the experience around the two moments people actually remember: signing up, and making a claim. Both should take minutes, not a trip to an office.
No paperwork chase
Sign up, pay and submit claims entirely online — upload a document and track its progress from your phone.
Plain-language cover
Every plan will be explained in everyday English and Arabic — what's covered, what isn't, no fine-print traps.
A record, not a promise
Chhaya already protects tens of thousands of members elsewhere. The UAE gets a platform proven at scale, not a first attempt.
Built mobile-first
Everything from quote to claim happens in one app — designed for people who run their lives from their phones.
The cover we're bringing to the Emirates.
These are the categories of protection Chhaya plans to launch with in the UAE. Final products, terms and pricing will be confirmed closer to launch.
Health
Individual and family cover for hospitalisation and everyday care.
- Hospitalisation support
- Cover for dependants
- Digital consultations
Motor
Straightforward cover for your car, built around UAE roads.
- Digital policy documents
- Photo-based claims
- Roadside coordination
Travel
Short-trip and multi-trip cover for time away from the Emirates.
- Per-trip or date-range plans
- Medical cover abroad
- Family and group add-ons
Wellness
A membership built around everyday health, not just emergencies.
- Discounted lab & pharmacy
- Video doctor access
- Partner clinic network
Running a team in the UAE? Group and enterprise cover is also part of our roadmap — tell us about your company.
From curious to covered in four steps.
This is the flow Chhaya is designing for the UAE — refined from the process already used by thousands of members today.
Tell us what matters
A short set of questions about you, your family and what you want protected.
Get matched to cover
We shape a plan around your answers and explain it in plain terms — no jargon.
Pay in a few taps
Secure digital payment in AED. No paperwork, no branch visit, no waiting in line.
Claim without the chase
Submit documents from your phone and follow every step of your claim in real time.
What you should be able to expect from cover.
None of this is complicated. It's just rarely the default — so we're making it the standard for Chhaya UAE from day one.
Transparent terms
Know exactly what's covered — and what isn't — before you commit to anything.
Family-ready
Add the people who depend on you, not just yourself, to a single plan.
Fast digital claims
Most claims are started, tracked and resolved without a single phone call.
Everyday savings
Partner network discounts on clinics, labs and pharmacies, not just claims payouts.
What's actually inside the app.
The capabilities we're carrying over from the existing Chhaya platform into the UAE launch.
Digital onboarding
Sign up fully online in minutes — no branch visit, no printed forms.
Real-time claim tracking
Follow every stage of a claim, from submission to settlement, on your phone.
Arabic & English
A fully bilingual experience across the app, documents and support.
Secure by design
Bank-grade encryption protects every policy, payment and document you share.
Built for life in the Emirates, not translated into it.
The UAE isn't an afterthought market for us — the way people here live, work and send support home shaped how we're designing the launch.
Built for a nation of expats
Most residents are far from home — cover and support are designed to reach family abroad, too.
Priced in AED, from day one
Every plan will be quoted, paid and explained in AED — no currency conversion, no guesswork.
English and Arabic, always
Every screen, document and support conversation will be available in both languages.
Compliance before launch
We're completing the UAE regulatory process before a single policy is sold — not after.
Chhaya UAE hasn't launched — but Chhaya has.
Illustrative member feedback from Chhaya's existing South Asia markets, shared here to set expectations for what we're bringing to the UAE.
"Filing a claim used to mean a folder of paperwork and a day off work. I uploaded a photo of my hospital bill and had an answer two days later."
"I finally understood what my policy actually covered — no confusing terms, no calling five times to ask the same question."
"Adding my parents to my plan took minutes on my phone, not a trip to an office and a stack of forms."
Questions we're already hearing.
Can't find what you need? Reach out to our team directly.
Not yet. We're building and preparing Chhaya for a UAE launch, but no plans, pricing or registrations are live today. Join our notify list to hear the moment that changes.
We're planning health, motor, travel and wellness cover for individuals and families, with group cover for businesses to follow. Exact product details will be confirmed closer to launch.
We haven't finalised UAE pricing yet, so we won't guess here. When plans go live, costs will be shown clearly in AED before you ever commit to anything.
Not yet. We're working through the regulatory approvals required to operate in the UAE and won't offer any product before that process is complete.
Chhaya is digital-first: online sign-up, plain-language terms and paperless claims, already used by tens of thousands of members in our existing markets.
Leave your email below or on our contact page — we'll email you as soon as registration opens.
Be first to know when we launch.
Leave your email and we'll let you know the moment Chhaya opens registration in the UAE — nothing else, no spam.