Ramzi Ghurani

Ramzi Ghurani CERT. II, Managing Partner of Petra Insurance Brokers UAE, has taken on the leadership role of this UAE insurance institution which has been around since the 1960’s. With 20 years of experience in insurance, risk management, brand building, and business development, Ramzi's mission is to bring people clarity when it comes to the complicated world of insurance.

top insurance plans for the new year

Top Insurance Plans for the New Year – Protecting Your Interests in 2026

A new year is the perfect moment to match your cover to real life. Prices shift, regulations evolve, and families take on new commitments. In the Middle East, many of us live across emirates, travel often, and balance personal priorities with entrepreneurial goals. The right insurance removes friction from everyday decisions and protects savings when …

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health insurance for domestic workers and private sector employees in uae

Step‑by‑Step: How to Get Health Insurance for Domestic Workers and Private‑Sector Employees in the UAE

Whether you’re a household sponsor, a domestic worker, or a private‑sector employee, your UAE health insurance now moves in lockstep with your residency visa.. With the 2025 rules tying coverage to visa processing across MOHRE, ICP, and GDRFA systems, the fastest way to stay compliant is to follow a clear checklist. This guide explains how …

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risks of non compliance with uae health insurance

What Happens if You Don’t Comply with the 2025 Health Insurance Mandate?

Starting 1 January 2025, a new federal rule takes effect: before any UAE residency visa can be issued or renewed, every salaried resident expatriate, payroll freelancer, and sponsored domestic worker—along with their dependents—must be covered by a DHA‑ or DOH‑approved Basic Health Insurance plan that is registered through the MOHRE‑ICP Unified Health‑Insurance Gateway. Emirati citizens …

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uae insurance brokers regulatory sandbox cbuae

Regulatory Sandboxes: How UAE Insurance Brokers Can Innovate Within CBUAE Guidelines

Balancing innovation with strict regulations can be challenging in the UAE’s insurance industry. However, “regulatory sandboxes” introduced by the Central Bank of the UAE (CBUAE) offer a middle ground, letting brokers experiment with new ideas while still protecting consumers and the market at large. These specialized environments encourage creative problem-solving under close regulatory supervision, so …

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estate planning with life insurance in the uae

Advanced Estate Planning with Life Insurance in the UAE

Estate planning plays a crucial role in financial security, helping to preserve wealth and distribute it according to personal wishes. While traditional tools like wills and trusts are fundamental, life insurance in the UAE has become a powerful component in advanced estate planning. In the UAE, where financial regulations and inheritance laws are shaped by …

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how cbuae regulations impact insurance brokers in uae

How CBUAE’s New Regulations Will Impact Insurance Brokers in the UAE

In July 2024, Federal Decree Law No. 48 of 2023 was published, marking a pivotal shift in how insurance is regulated across the UAE. This legislation transfers oversight of insurance operations to the Central Bank of the UAE (CBUAE) (a change that stems from the merger of the UAE Insurance Authority under Federal Decree Law …

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