After my two of job in abudhabi, i was introduced to salama insurance by one of my relative. The salesperson approached me, telling me that he has a 7 years islamic plan(HYAT PLUS), where i can invest money each month. This is pure life insurance plan. I was told that the first 3 years i wont be able to withdraw cash, but later i can. And they will be investing my hard earned cash on islamic bonds.I signed up, believing that it is a savings account, and i can get the cash any time after three years. But now, after 20 months of investments, due to personal problems, i have stopped contributing, and i have checked their documents, and asked their customer care about the plan. I have been totally cheated by their salesman, coz the first two years of my investment value is nil, and i wont get a penny from this.. And im not practically guaranteed any profit from the profit of the bonds they invest in.. This is a real scam.. Please guys, i have lost my money, and if you are gonna invest your money with this insurance, pls be careful.. Never trust their representative.. Tell them to give full plan details.. before signing the documents..
Customers reviews and complaints
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Salama Insurance Reviews & Complaints
Dear Sir, i want to bring one complaint into your notice which is on going by 45 days. Our company Muhammad Saad Nawaz Est. added a new employ into their team as per new laws Saudi laws his medical insurance has to be done from the same insurance company as of the other employs. So we contacted Salama Insurance company as we do always and the person we contacted was Mr. Syed Fasih as per my information and emails are attached below. Your Company (salama insurance ) charge as the full year amount of cash of that person as per your system error. we paid the cash but when we receive the policy it was for 2 months only. We asked for refund the person Agreed but still we didn”t receive any. He is trying to play with us and now i am wanting for your action. Hope that this issue will be resolved soon. Looking forward for your prompt action. The previous Email conversation is as below. Dear Zaid, For your record. Sent from my Samsung Galaxy smartphone. ——– Original message ——– From: Faisal Javed Date: 02/08/2018 4:30 pm (GMT+03:00) To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: Re: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) REMINDER!!! Regards, Faisal Javed [protected] From: [protected]@sancontracting.com Sent: Monday, July 30, 2018 2:16 PM To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: Re: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Fasih, Our pro rata charge issue has not been solved from your side as we requested since 12th of June, its more than 45 days and still this issue has not been solved, even you didn”t replying about this issue. Kindly solve this issue within 7 working days. Looking forward for positive & professional response and deduct your SR. 157 from our outstanding balance. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi Sent: Monday, July 30, 2018 2:04 PM To: Faisal Javed Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Please find attached invoice and clear the outstanding payment. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: Faisal Javed [mailto:[protected]@sancontracting.com] Sent: Monday, July 23, 2018 12:27 PM To: Syed Fasih Hashmi ; Zaid Dawood Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Fasih, Find attached new form as requested. Kindly update his policy in the system today, its 7 days delay now. Waiting for your prompt response. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Sunday, July 22, 2018 2:11 PM To: Faisal Javed ; Zaid Dawood Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Urgent Please find attached herewith New Health Declaration Form. Kindly filled this form with stamp and revert to us as soon as possible. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: Faisal Javed [mailto:[protected]@sancontracting.com] Sent: Sunday, July 22, 2018 11:29 AM To: Zaid Dawood Cc: Syed Fasih Hashmi ; ms.[protected]@sancontracting.com Subject: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Zaid, Kindly find attached all the documents and check the email below sent to Mr. Fasih. Looking forward for update his insurance in system as soon as possible. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Faisal Javed [mailto:[protected]@sancontracting.com] Sent: Tuesday, July 17, 2018 1:51 PM To: “Syed Fasih Hashmi” Cc: “ms.[protected]@sancontracting.com” Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Syed, Kindly find attached filled form for one employee who is transferred to our establishment on 9th of July 2018 and new addition request document along with iqama copy & GOSI print. Please update his insurance in system as early as possible. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Tuesday, June 5, 2018 11:38 AM To: Faisal Javed Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Please find attached DN as requested. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: Faisal Javed [mailto:[protected]@sancontracting.com] Sent: Monday, June 4, 2018 6:05 PM To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Syed, Find attached new scanned copies for both members as requested. Please note: do update policies in the system by 11AM tomorrow as I have appointment after that. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Monday, June 4, 2018 11:50 AM To: [protected]@sancontracting.com Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Kindly resend Iqama copies of the following members; 1. [protected] Rashid Ali Khan 2. [protected] Muhammad Harun Ali Khan Note: Iqama Copies of both should be scanned. Please send as soon as possible to avoid delay in addition. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: [protected]@sancontracting.com [mailto:[protected]@sancontracting.com] Sent: Monday, June 4, 2018 3:25 AM To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Syed, Kindly find attached all filled forms, new addition request document & payment receipt. Please update their insurance in system as early as possible & provide us VAT invoice. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Thursday, May 31, 2018 12:11 PM To: [protected]@sancontracting.com Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Thank you for your email. As also discussed earlier, SALAMA has the lowest rates in the market with no further provisions of discount. Unfortunately the rates are fixed in our system with no provision of any amendment. Furthermore, I am attaching herewith Screenshot which shows pricing per person. Hope its clarify, Note: If you need any assistance or have any further query please feel free to contact us. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: [protected]@sancontracting.com [mailto:[protected]@sancontracting.com] Sent: Wednesday, May 30, 2018 5:14 PM To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Syed, Previously the rates we get was much cheaper. Please provide the breakdown of each member with discount as requested by our management. Looking forward for the discounted price. Thanks & Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Wednesday, May 30, 2018 12:55 PM To: [protected]@sancontracting.com Cc: ms.[protected]@sancontracting.com Subject: RE: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Faisal, Please find attached herewith form which should be filled signed and stamped. Moreover, please also send request letter for addition of 11 person on your letter head. The premium due is SR. 4, 925/- Including VAT. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected] syed.[protected]@salama.com.sa From: [protected]@sancontracting.com [mailto:[protected]@sancontracting.com] Sent: Wednesday, May 30, 2018 5:34 AM To: Syed Fasih Hashmi Cc: ms.[protected]@sancontracting.com Subject: New Addition for Medical Insurance (Muhammad Saad Nawaz Est.) Dear Mr. Syed, Kindly find attached iqama copies of new addition to our establishment (No. [protected]) Please send the competitive rates for them & document requirements as early as possible. Regards, Faisal Javed 966-[protected] Email reply From: Syed Fasih Hashmi [mailto:Syed.[protected]@Salama.com.sa] Sent: Monday, December 11, 2017 10:44 AM To: [protected]@sancontracting.com Subject: Receipt Dear Mr. Faisal, Please find the attached receipt as requested. Thanks & Regards, Syed Fasih Ul Kalam Sales Accounts Manager SALAMA Logo Small Tel: +[protected] Fax: +[protected] Mob: +966 [protected]
Salama Insurance Reviews & Complaints
Dear sirs, Sub: non-approval of hernia surgery for card#[protected] – policy med/1372/2016 I understand from mednet that the request for approval from nmc speciality hospital was not approved till date.(medcnt-7726). Iam shocked to know that a false statement has been fabricated by salama arab islamic insurance for disapproving the surgical process. If salama arab islamic insurance can show me the documents received from zulekha hospital & nmc speciality based on your investigation, it would be helpful for me. I wanted to inform you that, im suffering from repeated hernia pain and because of your false assessment im not able to perform hernia surgery. Regards, Prem
Salama Insurance Reviews & Complaints
Hello Salama I am so much disappointed by the garage you referred to us. It is located in Al kabaisi road Abu hail deira Dubai near RTA service center. The just made my car worst and what’s more disgusting was I found all my tires soft and they can’t explain everything to me. I hope I could get an action to this issue cos every damaged of our car is being paid by the insurance and I don’t deserve bad repair. Please take some action on this. The garage contact number is 00971 [protected] his name is Nelson. My number is [protected] Albert. Please take some action on this and I want my car to be repaired again cos I’m not satisfied. Thank you so much
Salama Insurance Reviews & Complaints
I am following for the involuntary loss of job benefits from salama insurance for the last six months even after submitting the required documents. My case no.CLS-182180 and CLS-180735. I am not getting any support from them only a couple of mails informing that required amount have been sent to Dubai islamic bank which they say they have not received.my settlement given by my employer al futtaim has been blocked.pl help me. My name Denis gonsalves. Email.[protected]@hotmail.com