How do I escalate an insurance claim dispute to Sanadak in the UAE?

Sanadak is the independent financial and insurance ombudsman unit established under the Central Bank of the UAE framework to handle eligible consumer complaints against licensed financial institutions, including insurers. Before going to the ombudsman, you generally need to have complained to your insurer first and received a final response (or had no adequate response within the insurer's handling time). To escalate, prepare your complaint summary, the insurer's final response, your policy documents, the claim file, and all correspondence, then submit through the ombudsman's official channel. The ombudsman reviews eligible complaints independently and can issue a decision. Keep copies of everything you submit and any reference numbers. Note that eligibility can depend on the type of complaint and value, and procedures are updated periodically, so confirm the current criteria and exact submission steps through the regulator's official channels before filing. If your dispute is outside the ombudsman's scope or you prefer a court route, you can pursue it through the UAE civil courts. For help preparing the file or weighing ombudsman versus court, you can compare verified UAE legal professionals on LEXAI.