• Convenient Claim Submission

    As a customer-centric insurer operating in the region for more than 45 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 Customer Satisfaction & Happiness Award 2020

    Brighter Future

Personal Accident

You will find below all details on how to submit your claim and the ensuing processes in the claim management. There will be no complications and we will assure a speedy claim settlement.


    Contact our claims department on:


    Tel.: +971 4 233 7463/464

    UAE toll-free number: 800 SUKOON (785666)

    Email: generalinsuranceclaims@sukoon.com


    You may, if you prefer, also visit one of our offices to file your claim.


    You will need to:
    a. Request a claim form along with the completion instructions
    b. Complete the claim form and return it to us together with the required original supporting documentation
    c. Give brief details of the loss circumstances


    Please remember that you must submit your claim within 30 days from the date of the accident. When you contact us, you will be prompted for your policy number, which you can find in the Policy Schedule.

    We will try our best to pay all eligible claims within 5 working days of receiving the required documents. All claims will be settled via bank transfer. Alternatively, you may request the payment to be made by cheque.


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 Sukoon branch.


    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 mySukoon 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,
    Omar Bin Al Khattab Street, Next to Al Ghurair Mall,
    Deira, PO Box 5209
    Dubai, UAE


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


    Upload the following documents along with a completed, stamped and signed claim form to the mySukoon 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.


    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 mySukoon app or mySukoon portal for faster payment processing.


    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.