HAYAH Insurance Company has introduced two measures that make financial resilience visible at the level of the market and the individual.
The measures are:
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PRISM (Protection and Retirement Index Sustainability Measures) is a recurring, market-level benchmark that brings together indicators across protection, savings, and retirement preparedness. It starts with the UAE and aims to expand across MENA. PRISM will show where the gaps are, how large they are, and how they change over time, giving insurers, employers, policymakers, and other stakeholders a consistent basis for action.
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FiRe, the HAYAH Number, is its individual counterpart: a financial resilience score that shows a person where they stand today and what would make them more resilient.
FiRe is one person's resilience. PRISM is the whole system's resilience.
HAYAH CEO Mr Mohamed Seghir said, "Resilience is no longer measured by what we can withstand. It's measured by how well we prepare. Across our region, people talk about the protection and retirement gaps, but few measure them consistently. With PRISM and FiRe, we want to give the market, and every individual, a clear view of where they stand, because you cannot close a gap you cannot measure."
“Rihla 2026”
The two measures are introduced in “Rihla 2026”, HAYAH’s flagship report covering retirement, investments, health, life, and AI.
Among the points raised in the report are:
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Life premiums grew by 19.46% across Arab markets between 2023 and 2024, according to GAIF data, pointing to rising demand for long-term protection.
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HAYAH's Protection & Future Security survey 2026 shows that people across the UAE feel more financially secure than their savings and coverage suggest, and that they value clear guidance more than discounts.
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End-of-service savings left uninvested carry a high cost. An employee who sets aside AED2,000 ($545) a month for 25 years accumulates AED600,000 if the money is not invested. In a funded plan growing at 5% a year, the same contributions reach about AED1.19m. The difference of nearly AED590,000 comes from investing what is already being set aside, not from saving more.
Contributors hail from across the industry, including General Arab Insurance Federation (GAIF), The PolySight, Kidbrooke, and WealthRise. The report also includes an long interview with Mr Patrick Choffel, HAYAH Board Member and former CEO of Oman Insurance Company, on what the next generation of insurance leaders should keep and what it should reinvent.
“Jalsa by HAYAH”
HAYAH, a UAE home-grown insurer focused on life, health and savings, built around a digital-first, customer-centric model, released “Rihla 2026” at the event, “Jalsa by HAYAH,” in Dubai on 24 September. The gathering brought together brokers, partners, and senior industry leaders around one question: how the UAE and the wider region can build real financial resilience for individuals, families, and businesses.
Mr Chakib Abouzaid, GAIF Secretary General, gave the keynote on the outlook for insurance across MENA. Sessions followed on the protection gap, life and health insurance, claims, and workplace savings. The morning closed with a panel moderated by Mr Seghir.
“Rihla 2026” is available here.