Idikhar Plus Savings Plan

'Idikhar Plus Savings Plan'* is designed to serve as an efficient vehicle to help you reach your financial goals swiftly and effortlessly. The Plan smartly works alongside to keep you on track and make the most of your investment and protect your wealth, all in a Sharia Compliant way. It facilitates you to be disciplined towards your goals and protects your family.

Idikhar Plus helps you achieve your financial goals while protecting your family against any unforeseen events and provides flexibility in managing your savings, all at the same time. It empowers you to go that extra mile by keeping your financial goals on track.


  • Upfront Bonus Allocation up to 75% of first year contribution on Day 1
  • Loyalty Bonus from 3rd year onwards
  • Built In Terminal Illness with Family Takaful Benefit
  • Higher Entry age - Up to 74 years
  • Offers a wide range of optional protection Benefits
    - Critical Illness Benefit
    - Waiver of Contribution
    - Accidental Death Benefit
    - Permanent and Total Disability Benefit
    - Family Income Benefit
    - Hospital Cash Benefit
    - Accidental Total or Partial Permanent Disability
  • Payment Options - Monthly, Quarterly, Semi Annually & Annually
  • Choice of two currencies AED & USD
  • Charge Free Partial Withdrawals after 3 years
  • Option to decrease contribution after 2 years
  • Wide range of global fund choice to suite different risk profiles i.e. Conservative, Balanced & Aggressive
  • Free Fund Switching / Redirection
  • Plan start with a minimum contribution of AED 500 OR USD 150 on monthly basis
  • Competitive Charging structure

* Idikhar Plus Savings Plan is provided by SALAMA - Islamic Arab Insurance Company, Emirates Islamic is only a distributor for this product


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