Document background
The Claim Denial Letter is a critical document in UAE insurance operations, used when an insurance company determines that a submitted claim does not meet the requirements for payment under the policy terms or applicable regulations. This document must be drafted in compliance with UAE Federal Law No. 6 of 2007 and related Insurance Authority resolutions, particularly regarding fair claims handling practices and consumer protection requirements. The letter serves multiple purposes: it communicates the denial decision, explains the rationale with reference to specific policy provisions or legal requirements, outlines the claimant's rights to appeal, and creates a formal record of the insurer's decision. The document must be clear, comprehensive, and drafted in a manner that both protects the insurer's interests and fulfills regulatory obligations for transparent communication with policyholders.
