Zurich Critical Illness Insurance

Zurich's plans are designed to suit diverse needs, providing flexibility and extensive coverage during challenging times. Zurich ensures that you and your family members can remain financially secure, allowing you to focus on recovery without the added stress of financial worries.

Why Choose Zurich Critical Illness Insurance?

Zurich International Life is part of the Zurich Insurance Group, a global insurer headquartered in Switzerland with more than 150 years of experience in insurance and financial services. In the UAE, Zurich is licensed and regulated by the Central Bank of the UAE. The company has been serving customers across the Middle East for over 40 years.

Some of Zurich’s key achievements include:

• Serving more than 252,000 customers across the Middle East
• Over USD 6.64 billion in assets under management
• More than USD 67.98 billion in insurance cover across the region
• Over 600 employees representing 37 nationalities
• 97% of life insurance claims paid over the last three years
• Average claim settlement time of 72 hours
• More than USD 255 million paid in benefits to customers across the Middle East

Benefits of Zurich Critical Illness Insurance

Zurich critical illness cover is designed to provide financial support when you're diagnosed with a covered illness during your policy term.

• Choose a flexible coverage length from 5 years to 35 years
• Select your preferred currency
• Make flexible payments in monthly or yearly instalments
• Insure your partner
• Option to increase the insured amount during the policy period

Need of the Hour ⏰

In the UAE, our fast paced modern lifestyles are leading to a rise in critical illnesses. And guess what? The age at which people are developing these conditions is dropping at an alarming rate. Millennials are now susceptible to serious health issues like cancer, heart attack and stroke as compared to the previous generations. A critical illness policy bridges this financial gap by providing a one-time cash payout after a covered diagnosis. This sum allows you to: Replace lost income while you're unable to work Cover expenses not paid by your health insurance Access specialist treatment if required Continue paying home loan EMIs, rent, school fees, and other financial commitments Focus on recovery without worrying about immediate financial pressure This makes critical illness insurance an important complement to your existing health insurance rather than a replacement.

Types of Zurich Critical Illness Cover

Zurich offers two types of Critical Illness Protection. You can choose the level of cover that best suits your healthcare and financial needs.

1. Cancer Cover

• Pays out your selected sum if you are diagnosed with any qualifying type of cancer, benign brain tumours, or ductal carcinoma in situ of the breast. The policy covers:
• Cancer (excluding less advanced cases)
• Benign brain tumour resulting in permanent symptoms
• Ductal carcinoma in situ (DCIS) of the breast with specific treatment (partial benefit)

2. Comprehensive Critical Illness Cover

Pays out your selected sum if you are diagnosed with any of 34 critical illnesses, including: cancer, heart attack, stroke, kidney failure, major organ transplant, multiple sclerosis, paralysis, Parkinson's disease (before age 65), dementia (before age 65), liver failure, terminal illness, and several other serious medical conditions listed in the policy terms.

Coverage Amount for Both

Important: Zurich critical illness cover has a 90-day qualifying period from the start of the policy, reinstatement, or any increase in cover. Claims for illnesses diagnosed during this period are not payable. In addition, the insured person must survive for 30 days after diagnosis for the claim to be eligible.

Zurich Critical Illness Insurance UAE- Inclusions

The inclusions of the policy includes:

• A lump sum payout if you’re diagnosed with a serious health condition during the policy period
• Cover between AED 525,000 and AED 7.4 million
• Coverage for 34 critical illnesses
• Covers 3 types of cancers

Get additional coverage without paying any premium:

• Funeral coverage of USD 5,000
• Child’s illness critical cover or child’s cancer of USD 15,000 (Applicable to up to 3 children between 1-18 years of age)
• Option to increase your cover during the policy term (subject to approval)
• Policy can continue if you permanently move overseas, subject to Zurich's business acceptance rules

What's Not Covered in Zurich Critical Illness Plan?

Your claim may not be paid in the following scenarios:

• The 90-Day Qualifying Period: You cannot claim for any illness diagnosed within the first 90 days of starting or reinstating your policy.
• The 30-Day Survival Period: You must survive for at least 30 days following your official diagnosis to receive the payout.
• Non-Disclosure: If you deliberately hide previous health conditions or lifestyle details (like smoking status) during your application, Zurich may reject your claim.
• No Cash-In Value: This is a pure protection policy. If you cancel it or reach the end of the term without a claim, no money is refunded.

Who Can Buy Zurich Critical Illness Insurance?

You can buy Zurich Critical Illness Protection as:

• Single Life Cover – where the policy owner and insured person are the same.
• Joint Life Cover – where both individuals are insured under the same policy, with the first valid critical illness claim ending the cover (except for eligible child benefits or funeral benefit where applicable).

Are you Eligible for Zurich Critical Illness Insurance?

• Zurich Critical Illness insurance in UAE is available for single and joint ownership
• The minimum entry age is 18 years
• The maximum age of the policyholder at entry or at the time of an increase of the sum assured must be 59 years old
• Maximum age at the end of the policy term is 69 years

Note:

• For a single policy, the insured individual is the owner itself
• For a joint policy, both the individuals are insured and the policy's owner

How Much Does Zurich Critical Illness Insurance Cost?

The premium you pay depends on several personal and policy-related factors, including:

• Your age
• Gender
• Overall health
• Smoking status
• Type of cover selected
• Sum assured
• Policy term

You can choose to pay your premiums monthly or annually.

Minimum Premium

*For reference only. Your financial adviser or insurance provider will provide a personalised quotation based on your profile.

How to File a Claim for Zurich Critical Illness Insurance Dubai?

Here’s how to do Zurich critical illness insurance settlement:

• Notify Zurich about the event

Claim Request Timelines:

• Claims should be requested within 90 days from the event date.
• Funeral coverage claims must be notified within 180 days from the death date of the life insured

Steps to Complete a Claim:

• Complete the claim form and
• Submit the necessary documents as per the checklist provided below

Document checklist:

✅The policy schedule
✅Life insured’s death certificate (where applicable)
✅Policyholder’s, claimant, or life insured’s identity and residence proof (whichever is applicable)
✅Age proof of the claimant or/and life insured
✅Information related to the claim via a medical consultant, doctor, or any third party

Zurich Critical Illness Insurance Provider- Contact Details

Given are the contact details of the Zurich Insurance in the UAE:

Online Means

🌐 You can reach out to the insurer’s chatbot via its official website- www.zurich.ae.
📩 Drop an email at:

• helppoint.uae@zurich.com (for any queries related to existing or new policy)
• benefit.claims@zurich.com (for all claim-related queries)

Offline Means

📞 You can call Zurich's UAE-specific toll-free helpline at 800 ZURICH (800 987424) or contact your insurance expert.

Alternatively, write to them at:

📍 Zurich International Life, Zurich HelpPoint, P.O. Box 50389, Unit 601, Level 6, Building 6, Emaar Square, Dubai, UAE

🔔Take Action Now: Visit Policybazaar.ae to explore Zurich's plans and secure the coverage that suits your needs.

Can You Make Changes After Buying the Policy?

Yes. Zurich allows certain changes after your policy starts. You can:

• Increase your sum assured on your policy anniversary, subject to underwriting and Zurich’s approval
• Continue paying the same premium or adjust your cover if Zurich reviews the premium after every five years

However, you generally cannot reduce your cover amount unless Zurich reviews your policy due to premium changes.

When Will Zurich Not Pay a Claim?

Your claim may not be paid if:

• The illness is diagnosed during the qualifying period
• The required survival period is not completed
• Premiums have not been paid, and the policy has lapsed
• The illness does not meet the policy definitions
• Incorrect or incomplete information was provided during the application
• Required documents are not submitted during the claims process
• The claim results from criminal activity by the insured or beneficiary
• The claim is linked to the misuse of alcohol or drugs, as specified in the policy terms

Always read the policy wording carefully to understand all exclusions before purchasing the policy.

FAQs for Zurich Critical Illness Policy