2.0 16 Reviews
Company name
Ground Floor, Block A, Spectrum Building. Oud Metha, Sheikh Rashid Road, Box No. 10214, Dubai, UAE
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Phone Number
+971 4 5203300
+971 4 2670870
Working hours
Tuesday: 9:00 AM – 3:00 PM  See All


16 Reviews
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the Big Scamm
I have been introduced to this product through Dubai Islamic bank and as a Muslim, I thought it is nice. But after contributing my hard earned money for 18 months and due to some family circumstances I went to cancelled one plan ( because the sale guy who sold me this product singed me for two plans and I believe these people will be punished for what they did to people (cheating). Salama, just bunch of liers sitting there and taking our money.
Cheated by Emirates Islamic bank by SALAMA investment plan
Big name big fraud beware.
I trusted Emirates Islamic bank relation ship manager by giving wrong information that your money will be back in 18 months .
So I took Salama investment plan 4000 aed per month. Total I paid ******** AED as in between I resign and moved to my country due to some family personal issues.
Trusting Emirates Islamic bank I was confident that I will get my invested amount back as It was bank staff commitment but after visiting bank and after meeting top management came to know that you won't be getting back your invested amount as policy lapse and that relationship manager we kicked him out due to his wrong committed words to client.
But in the end it's not about staff it's again Emirates Islamic bank.
I request for helping me out to get my paid amount without any profit.
Salama life
I have gone through number of review, where most persons gave negative remarks about Salama. My experience is different. I purchased Salama policy in 2013, unfortunately, in January 2015 was diagnosed with prostate cancer. I had undergone robotic surgery in one of Delhi,s hospital and had to spend good amount of money. After I returned to Dubai, I had no idea that I will get any claim by Salama. By chance the agent through whom i got the policy came to me for some references. I told him i just came from Delhi and had some surgery done.After inquiring about my disease he asked if i had any documentary proof, I told him what he will do with that, he asked me to submit a claim, with no curiosity i handed over medical reports to him, to my surprise I received a call from Salama after 25 or 30 days most probably in Feb or March 2015 and told me to take a claim cheque of Dhs 100,000/- My policy is of 7 years locking period and is active till now. I believe, Salama is the best Company.
Hi!can you tell me how to claim the money?
Total scam. Legal Islamic scam.
How it works? They convey this as saving & investment plan same time and tie you to long term 5 years or so. Any time if you want to break the contract, ideally you should be getting your principal money that you paid them back. Ever if no additional profits. But no. They won't give you a penny. And if you choose to go Legally, authorities will not listen to you. They tell you that it was contract signed between you guys. Even after end of contract, I see reviews that Salama never pays your principal amount. They say hat shares were low and again you can't go against them legally.
I don't write reviews. But I do so today to help someone else of not making mistake of what I did. Better invest your money in stocks or keep it at home save.
The worst insurance company ever. BE CAREFUL GUYS!!! They've tricked me into an investment and protection plan TAKAFUL and then after two years i discovered that i lost most of my money instead of getting profit. BAD EXPERIENCE!!!
They dont even deserve a 1 star!!
Very bad experience.. it is ascam, they claim it is a saving plan and at the end of so many months of paying them, you get zero in return...its a big gamble where you are going to loose. I would sugest you to dump ur money, or burn it but never invest in salamah. It would have been much better if i had given it to a needy or poor.
Really liked the product depth of Salama. I totally disagree with the kind of experience these guys stated. In fact the policies and the information is very well provided if you enquire about the same.
Its better people go for the plan and check the experiences themselves.
Metlife and other

One should give a try to their products without any hesitation.
Do you really do now? Answer me after one year.
Real scam! Lost all my savings of 2 years in this company. Was informed of a savings plan, but later came to know it was a insurance plan, with very complex terms n conditions.
I would like to say that one of the best customer service experience i had is with SALAMA. No doubt they keep to the promise they given. My car insurance was settled in 48 hours of the casualty. Thank you again
My experience with Salama has been very disappointing. My motor claim was open and amount was approved too BUT the company is not releasing the LPO and therefore my car agency is not able to go ahead with the repairs!!! I have been following up with the insurance company but no help thus far from their end. i have sent emails to claims department which of course are bouncing back!!! Every time i call their office i am told that someone will call me back and update me on the status of LPO approval but no one calls back!!!
Also, i have heard from people that salama has earned the reputation of not paying the claims!! this worries me a lot.
my car service agency has made it very clear to me that it will be my responsibility to ensure that salama pays them; they went to the extent of saying that they will not release my car if i dont get money out of salama!!! disappointed!!
Really liked the product depth of Salama. I totally disagree with the kind of experience these guys stating. Infact the policies and the information is very well provided if you enquire abiut the same.

One should give a try to their products without any hesitation.
HI Faisal

if you really like Salama product, so be so generous and show the proof.

Thank you.

P. S

We know that you work there
After my two of job in abudhabi, i was introduced to salama insurance by one of my relative. The salesperson approached me, telling me that he has a 7 years islamic plan(HYAT PLUS), where i can invest money each month. This is pure life insurance plan. I was told that the first 3 years i wont be able to withdraw cash, but later i can. And they will be investing my hard earned cash on islamic bonds.I signed up, believing that it is a savings account, and i can get the cash any time after three years. But now, after 20 months of investments, due to personal problems, i have stopped contributing, and i have checked their documents, and asked their customer care about the plan. I have been totally cheated by their salesman, coz the first two years of my investment value is nil, and i wont get a penny from this.. And im not practically guaranteed any profit from the profit of the bonds they invest in.. This is a real scam.. Please guys, i have lost my money, and if you are gonna invest your money with this insurance, pls be careful.. Never trust their representative.. Tell them to give full plan details.. before signing the documents..
hi, good day to you! I just want to know if you made any legal action regarding this, as I am suffering the same as yours so I could have an idea what to do...
I paid total of 36,000 and completed 3 i lost my job and went to withdraw my when i went to withdraw my paid money, they are telling 20,000 dirhams is share value is only 16,000 dirhams.if i have any issue go and tell the rep of Rak bank,when i went to rak, they told that staff is no more working with the bank.while entering the representative told that we can withdraw full money after 3 years and will also get profit too.really disguisting.this salama insurance is very clearly cheating people.they are real scams.they save theirself by such a terms and condition which is just favourable for them.

Dear All,
The ''Islamic Arab Insurance CO.(SALAMA) is a big Scam.
They deal with Noor Islamic Bank, and they provide an''Edikhar Saving Plan" that you will pay an amount on monthly basis during 4 to 5 years and they promess 5% to 10% benifit at the end of the term, but they surprised me after 5 years contribution of 30% decrease of the total amount i save with them.
Now they are telling me it's according to market value.
Imagine i gave them a certain amount by paying 5 years and then they want to give me my money back less 30%.
Real Pirates.
Dear All,
I am regret to inform you that I have been struggling to get an update on my insurance request
I mate with an accident on 10th of april. I was not in the fault.
I called salama and asked for road side assistance but they informed that since 10th is Friday they closed and cannot assist me on this, I will have to take the car on my
own expenses to my place and call salama on Sunday. 12th April 26, 2015 at 8.00 AM in the morning I called the 800 SALAMA to open the case.
They helped me with the someone called mr. Arif’s number in RAK. Upon my request they have taken the car to Arif’s place in RAK on 12th april.
I also sent an email also to salama for the written proof of documentation. After 9 days and several follow ups all of sudden I have been informed that my claim has not
been open at all.
It was so frustrating for me , I have not been advised what should be done at the first place.
I spoke to Mr. Rami from salama on Thursday at 5.00 pm and he was very helpful to guide me through the salama procedure.
He was apologetic for the delay , and He asked me to go physically to Al qusais branch and open the claim. Then only the claim will open, It did that too on 19th April
around 9.00am.
But even after many of follow ups and calls I am still in dark corner, having no idea about my car. This is really not helping me anyway, I under tremendous financial
pressure and cant pay for my rent a car. I don’t know how to write more perfectly, but tried to explain what is happening with me.
I would be grateful you can help me to claim the rent a car bill to salama as I am suffering even being non faulty. .

I have been trying to reach their number for 5 days. No luck.
See All 16 Reviews

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Company Details

Location map
Ground Floor, Block A, Spectrum Building. Oud Metha, Sheikh Rashid Road, Box No. 10214, Dubai, UAE Get Directions
SALAMA – Islamic Arab Insurance Company is the world’s largest and oldest Sharia’h compliant Takaful solutions provider listed in Dubai Financial Market with paid up capital of AED 1.21 Billion (USD 330 Million). SALAMA has been a pioneer in the Takaful Industry right from its incorporation in 1979 to its present day distinction as the preferred Takaful provider.

SALAMA’s stability and success can be attributed to the strategy of keeping customers and partners at the heart of business and staying true to its values and principles. SALAMA has always designed and developed solutions that meet the ever changing demand of customers – this has given SALAMA the solid reputation of providing the most competitive and diverse Takaful solutions.

SALAMA serves both Individual and Institutional customers through its extensive global network. At present, with its Subsidiaries and Associates companies, SALAMA is providing solutions to customers in the UAE, Saudi Arabia, Egypt, Senegal, Algeria and Jordan with plans to further expand its geographical reach to all the GCC states, South East Asia, Far East and eventually Europe.

As the UAE’s specialized Takaful Company, SALAMA offers a comprehensive range of Family, General and Health Takaful solutions to Individuals and Corporates. Our high credibility, reputation for quality, high standards of services and access to Takaful best practices has won SALAMA many accolades over the years.
Working hours
Monday:9:00 AM – 3:00 PM
Tuesday:9:00 AM – 3:00 PM
Wednesday:9:00 AM – 3:00 PM
Thursday:9:00 AM – 3:00 PM
Saturday:9:00 AM – 3:00 PM
Sunday:9:00 AM – 3:00 PM

Verified Business

ISLAMIC ARAB INSURANCE CO. (SALAMA) - company profile is confirmed by company owner / representative person / directory administrator.
Last update: June 2020 - View Status



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