Sanadak: How to Resolve Insurance Disputes in 2026

The Ombudsman for You

If your insurance claim is unfairly rejected in 2026, you aren’t alone. Sanadak is the UAE’s independent Ombudsman unit designed specifically to resolve disputes between consumers and insurers. At CoverB, acting as your individual health insurance advisory firm, we guide you through the process of standing up for your rights.

The 3-Step Dispute Process

1. Internal Complaint: You must first file a formal complaint with your insurance company. They have 30 days to respond.
2. Sanadak Filing: If you are unhappy with their answer, you can file a case on the Sanadak website or app.
3. Resolution: Sanadak will review the evidence and issue a legally binding decision.

When to Use Sanadak

• If a claim for a surgery was denied without a clear medical reason.
• If there is a delay in issuing your insurance certificate for a visa.
• If you feel you have been discriminated against based on your health history.

No Cost for Consumers

Filing an initial complaint with Sanadak is free for individuals and SMEs. Only if you wish to appeal a decision further is there a small fee (refundable if you win). At https://coverb.ae/, we provide the documentation support you need to make your case strong.