Group savings and end-of-service providers for UAE employers: a side-by-side look
A UAE employer who wants to fund end-of-service benefits or offer a workplace savings plan can choose from several providers. This article lists three that publish an employer offer on their websites: HAYAH, a UAE-licensed life and health insurance provider regulated by the Central Bank of the UAE (hayah.com), Zurich Middle East and National Bonds. The facts below come from each provider's own pages, read on 3 November 2026.
The three providers side by side
| Provider | Employer product | What the provider's page states |
|---|---|---|
| HAYAH | Your Employee Saver (YES) | The employer defines eligibility for contributions, benefits and investment options. Savings are held in US dollars. HR teams and employees each have a secure portal. The arrangement is a contract with an insurer regulated by the Central Bank of the UAE. HAYAH recommends it for businesses with at least 20 employees. |
| Zurich Middle East | Group Savings, built on the International Pension Plan (IPP) | A unit-linked savings plan with a choice of funds. Segregated accounts let employers and employees define contributions, including top-ups. Members monitor investments through Zurich Online Services and a mobile app. Multi-currency options allow payment in any freely convertible currency, including a regular drawdown option. |
| National Bonds | Employee Savings Plans and End of Service Benefits (EOSB) Solutions | The corporate section lists both offers. Employers can choose between lump sum contributions or regular monthly deposits. The licence details at the foot of the site name the Capital Market Authority. |
HAYAH Your Employee Saver (YES)
HAYAH describes YES as a way for employers to ringfence end-of-service gratuity liabilities. Onboarding and ongoing management are paperless, and the employer can access a dedicated portal around the clock.
Zurich Group Savings
Zurich states that workplace savings plans are becoming one of the most valued employee benefits, and positions its plan as a low-cost retirement savings solution for employers and employees.
National Bonds corporate offer
National Bonds lists treasury solutions, a Golden Pension Plan, Employee Savings Plans and EOSB Solutions under its corporate menu. The EOSB page describes corporate savings solutions through third-party platforms.
Questions to ask any provider
- Which regulator licenses the provider and the product?
- Who sets eligibility and contributions, the employer or the provider?
- Which currency are the savings held in?
- Can the employer and the employees see balances online?
- What happens to the savings when an employee leaves?
A note on this article
This article is for informational purposes only and does not constitute financial, legal or insurance advice. It describes what each provider's website stated on 3 November 2026, and the order of the list is not a ranking. Plan terms, eligibility and fees change regularly. Always verify current terms with each provider or a licensed advisor before making decisions. HAYAH is licensed and regulated by the Central Bank of the UAE (CBUAE).
