Compare, apply & pay for your cover — all in Chhaya.

Get a quote in seconds, verify on WhatsApp, upload your documents once, and pay securely. Your policy is issued by our CBUAE-licensed insurance partner — you stay with us the whole way.

Health + Motortwo product lines

WhatsAppverify in seconds

Instante-policy on payment

HealthFor you & family

MotorFor your vehicle

Backed by a licensed brokerCBUAE-licensed · broker arranges, insurer issues

What we cover

Two covers for life in the UAE

Mainly South Asian families

Health insuranceDHA-compliant health plans — built for migrant workers & families.

Open to every nationality

Motor insuranceThird-party & comprehensive car cover — for everyone on UAE roads.

Operating under a licensed broker

Chhaya is the appointed digital channel of [Licensed Broker Name], a CBUAE-licensed insurance broker (Licence No. [—]). Chhaya provides the technology, language support and customer experience; the broker arranges your cover and the insurer underwrites, collects the premium and issues your policy.

How it works

One seamless journey.

Chhaya hosts the journey; the licensed insurer underwrites, is paid directly and issues your policy.

Choose & quote

Upload documents

Verify on WhatsApp

Pay & get covered

Live demo

Try the full journey.

Chhaya · Get CoveredStep 1

Chhaya OpsInternal · Option B

Synced via Insurer API

3,610

Applications

▲ 14% this week

2,588

Paid & issued

72% of apps

AED 3.4M

Premium placed (GWP)

▲ 19%

AED 372K

Commission earned

11% avg

Health 71%

Health vs Motor mix

Motor 29%

Policy no.	Holder	Type	Plan	Premium	Status (insurer API)	Issued by

Reference	Applicant	Type	Emirate	Stage	Updated

Premium placed (GWP)

Last 6 months · AED thousands

Product & plan mix

Share of issued policies

By emirate

Where policies are issued (rules differ per emirate)