What documents do I need to dispute a rejected insurance claim in the UAE?

To dispute a rejected insurance claim in the UAE, build a complete evidence file before you escalate. Core documents include: your full policy, the policy schedule, and any endorsements showing exactly what is covered and excluded; the original claim form and everything you submitted with it; the insurer's written rejection stating the reason and the clause relied on; and all correspondence (emails, letters, app messages) with dates. Add supporting proof relevant to your claim type — for medical claims, invoices, reports, prescriptions and pre-authorisation records; for motor, the police report, repair estimates and photos; for property, valuations and incident evidence. A clear, dated timeline of events helps reviewers. Having this organised lets you cross-check the rejection reason against your actual policy wording, which is where many disputes are won or lost. With the file ready, complain formally to the insurer and request a written final response, then escalate to the Central Bank of the UAE's ombudsman, Sanadak, or to the courts if needed. Confirm exact submission requirements with each channel. For help assembling and arguing the file, you can compare verified UAE legal professionals on LEXAI.