SANADAK (Insurance Ombudsman): Who Qualifies and What You Get
Learn how to resolve disputes with insurance companies through the SANADAK service provided by the Central Bank of the UAE.
SANADAK is an official service designed to provide a way for people to settle disagreements with their insurance providers.
Who it's for
This scheme is specifically for insurance policyholders who are currently facing disputes. If you hold an insurance policy and find that you cannot reach a satisfactory agreement with your provider regarding your coverage or your specific insurance claims, you may qualify for this assistance.
What you get
The service provides formal dispute resolution for insurance claims. This means that if your insurer has denied a claim or if there is a disagreement regarding the terms of your policy, this body acts as an intermediary to help reach a resolution regarding the matter at hand.
What it costs you
There is no fee to use this service. It is free for policyholders to access this dispute resolution process.
The catch to know
The most important thing to understand is the required sequence of events. You cannot skip directly to this service when a problem arises. You must first exhaust the insurance company's internal complaint process. This means you are required to file a formal complaint with your provider and allow them to complete their internal investigation and provide a response before you are eligible to bring the matter to the ombudsman.
How to apply
- Contact your insurance provider to file an official complaint regarding your specific dispute or claim.
- Allow the insurance company time to complete their internal investigation and issue a final decision.
- If the internal process does not resolve your issue, prepare your documentation regarding the dispute.
- Access the official portal to submit your case for review by the ombudsman.