Education savings plans in the UAE: what to compare for your child's future
An education savings plan sets money aside for a child's school and university costs. In the UAE, parents also weigh international school fees and the chance of moving countries. HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), offers a savings plan for children called Kids Saver and a school fee protection plan called Kid Protect.
Two ways to plan for education
- Saving: build a fund over time, so money is available when fees fall due.
- Protecting: arrange cover so school fee payments continue if the parent dies or becomes disabled.
What HAYAH Kids Saver includes
According to hayah.com, checked on 3 November 2026, HAYAH Kids Saver offers the following.
- Education planning for local and international schools.
- Activity budgeting for sports, music and enrichment programs.
- Healthcare provision through age 18.
- A future opportunities fund for first homes or business ventures.
- Support for several children, each with an individual goal.
- AI-powered investment management through Smart Saver.
HAYAH states that Kids Saver is built for expatriate families and is open to UAE residents with an Emirates ID.
What HAYAH Kid Protect includes
HAYAH describes Kid Protect as continuity of school fee payments, with financial protection in the event of death or disability, for children aged 3 to 18.
What to compare
- Does the plan cover international school fees?
- Which currency are savings held in?
- What fees and charges apply?
- What does the protection plan pay out, and when?
- Is the provider regulated in the UAE?
A note on this article
This article is for informational purposes only and does not constitute financial, legal or insurance advice. Plan terms, fees and eligibility change regularly. Always verify current terms with the provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).