• Convenient Claim Submission

    As a customer-centric insurer operating in the region for more than 50 years, we understand the kind of support our customers expect from us when making a claim. This period, we believe, is the most important part of our relationship with our customers. This page contains all claim-related information and documents across categories. 

    • AED 2 billion in claims paid every year
    • Super fast claim processing and payment
    • Winner of Most Customer-Centric Insurance Company in 2024

Motor

You will find below all information related to claim intimation and the ensuing steps to follow. Our claims team will make sure that you can get back on the road as soon as possible.

 

We will support you through every stage of the claims process. Our claims team will get your claim underway immediately and can ensure a fast and hassle-free claim settlement. Below, you can find a detailed guide on how to submit your claim, the documents you’ll need to keep ready, and the next steps in the claims process.

  • CLAIM INTIMATION

    Report the incident to the police immediately and obtain a police report (as applicable in each Emirate).

     

    The Claims Department is here to assist you at every step of the way. You can reach out to them via:

     

    Tharwatalwatan's 24/7 toll-free number: 800 405

    Email: motorclaims@tharwatalwatan.com

  • DOCUMENTS REQUIRED

    • Copy of the police report

    • Copy of the vehicle registration (both sides)

    • Copy of the driving license (both sides)

    • Copy of the Emirates ID card (both sides)

     

    Please send the above documents to our email address. You will also need to keep them ready if you wish to intimate us through our toll-free number.

     

    If you are registering claim through the myTharwatALwatan app, you will be guided at every step of the way.

     

    You may also refer to our garage list and mention your preferred garage to carry out the repairs.

     

    We may ask for additional documents as and when they are required for the claim processing.

  • CLAIM PROCESSING

    We’ll keep you notified through SMS and email at key stages of the claims process, from claim registration to repair completion.

    Drop off         
    Drop your vehicle at the assigned repairer’s location that we will send to you via SMS.

    Repair estimate       
    Repairer will prepare an estimate for the repair works and send it to Tharwatalwatan.

    Vehicle inspection    
    A surveyor from TharwatALwatan will inspect and approve the repair works.

    Repair works
    You will receive an SMS on the expected repair duration and upon completion of repair. You can pick your vehicle from the repairer after you receive the notification. Use the myTharwatALwatan app to track the status of your claim at every step.


    Feedback 
    Once you receive your vehicle back, you can share your feedback on our services through a survey questionnaire we will send to your email.

  • CLAIM SETTLEMENT

    In case the vehicle is declared as total loss or unrepairable, our team will advise you on the next steps.

     

    If the fault is attributed to your car, you will have to pay the deductible to the repairer as per your policy terms and conditions before picking it up.

Health

You can conveniently submit, track and manage your medical claim through our online portal or mobile app. We have provided all details regarding the claim process below. Further, you can click here to get the contact details of your nearest TharwatALwatan branch.

  • CLAIM INTIMATION

    Download the claim form by clicking here . You may submit the form in any one of these ways:

     

    • You may submit the completed form online by clicking here or through the myTharwatALwatan mobile app

     

    • It can also be delivered to any of our branches or dispatched through your broker 

     

    • Couriered to the below address:

    Medical Claims Department,
    TharwatALwatan,
    Unit No 12, Floor 12 Al Sila Tower, ADGM Square,
    Al Maryah Island
    Abu Dhabi, UAE

     

    Retain a copy of all the documents submitted for your future reference.

  • DOCUMENTS REQUIRED

    Upload the following documents along with a completed, stamped and signed claim form to the myTharwatALwatan app or portal
     
    • Original invoices/bills showing payment confirmation
    • Medical and/or lab test reports
    • All claims submitted must be in original and translated to either English or Arabic for settlement
    • Healthcare insurance card copy of the claimant
    • Summary table of invoices from the Reimbursement Claim Form (completed)

    We require original versions of the documents mentioned above for claims amounting to over:

     

    • Abroad: AED 5,000 

    • UAE: AED 10,000 

     

    We may ask for additional documents as and when they are required for the claim processing.

  • CLAIM PROCESSING

    Make sure that the form is submitted within 120 days of the treatment to ensure timely processing. Both you and the attending doctor must fill the form for each visit or course of treatment.

    Remember that only one claim submission is allowed per person and therefore, family members must apply individually.

    You can update your International Bank Account Number (IBAN) on our myTharwatALwatan app or myTharwatALwatan portal for faster payment processing.

  • CLAIM SETTLEMENT

    We will try our best to pay all eligible claims within 3 weeks of submission of the form.

    You will be reimbursed as per the customary prices in our network. This means that if your doctor charges a general consultation fee of AED 400 when the average consultation fee is AED 250 in your applicable network, we will only reimburse the AED 250.

    Moreover, if applicable, co-insurance will be levied along with your network deductible. The usual co-insurance rate stands at 20%. So, in the above example, considering that your network deductible is AED 50, we will apply 20% co-insurance on AED 200, and reimburse AED 160.