Term Insurance with Critical Illness and Accidental Disability Policy

Table of Content

What is Term Insurance with Critical Illness and Accidental Disability?
What are the Major Term Insurance Riders?
What are the Reasons to Buy Term Insurance with Critical Illness Cover and Accidental Disability Rider?
Which Diseases are Covered under Term Insurance with Critical Illness and Accidental Disability?
What is Covered Under Term Insurance with Critical Illness and Accidental Disability?
Things to Remember Before Buying Term Insurance with Critical Illness Cover and Accidental Disability
Why Buy Term Insurance with Critical Illness and Accidental Disability via Policybazaar.ae?

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A basic term plan only offers death benefits, which leaves gaps in coverage for other life-altering situations. This is where term policies with riders come in.

By adding critical illness and accidental disability riders, you ensure protection against severe medical conditions like cancer or heart disease and permanent disabilities caused by accidents. These riders provide financial support, covering medical expenses and compensating for loss of income during tough times.

By investing in such a plan, you can guarantee that your family remains financially secure in challenging circumstances and enjoy peace of mind and long-term stability.

What is Term Insurance with Critical Illness and Accidental Disability?

As mentioned earlier, pure term insurance doesn’t cover critical illness or accidental disability. To protect yourself in such situations, you can choose a term plan with critical illness and disability riders.

Critical Illness Rider	Accidental Disability Rider
This rider offers a lump sum payment if you're diagnosed with a critical illness while the policy is active. Illnesses covered may vary by insurer but usually include Cancer, heart disease, kidney failure, and tumours. The payout helps your family cover medical expenses and ensures you get the necessary care.	It provides financial support if an accident causes permanent disability within a specific period. It also offers benefits to the nominee if the policyholder passes away due to the accident, helping cover the loss of income.

Critical Illness Rider

Accidental Disability Rider

This rider offers a lump sum payment if you're diagnosed with a critical illness while the policy is active. Illnesses covered may vary by insurer but usually include Cancer, heart disease, kidney failure, and tumours.

The payout helps your family cover medical expenses and ensures you get the necessary care.

It provides financial support if an accident causes permanent disability within a specific period.

It also offers benefits to the nominee if the policyholder passes away due to the accident, helping cover the loss of income.

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What are the Major Term Insurance Riders?

Here is an overview of the major term insurance riders in the UAE —

Critical Illness	This add-on ensures that the life assured is covered when diagnosed with a critical illness like heart attack, Cancer, kidney failure, stroke, and so on.
Permanent and Partial Accidental Disability	This rider benefit covers the life assured if they meet an accident and become permanently or partially disabled. The provider pays a fixed amount for a specific tenure after the accident and the amount is usually decided according to the sum assured.
Accidental Death Rider	If the life assured passes away during the policy tenure due to an accident, as per this rider, the provider pays the beneficiary an additional payout along with the basic sum assured.
Premium Waiver	In case you are unable to pay future premiums owing to income loss or disability, this add-on will waive the remaining premiums while keeping the plan active.

What are the Reasons to Buy Term Insurance with Critical Illness Cover and Accidental Disability Rider?

When you buy critical illness cover and accidental disability riders for your term insurance plan, you get the following benefits —

Financial support - A term plan with critical illness and disability riders offers financial help to your family during tough times. It covers hefty medical bills and other expenses when there's a loss of income.
Extensive coverage - While a basic term plan only provides death benefits, riders extend coverage to critical illnesses and accidents for an extra premium. This covers more than just death-related income loss.
Affordable premiums - Adding these riders to your term plan is more cost-effective than buying separate policies.
Peace of mind - It ensures your family is financially protected from the burden of medical expenses during critical illnesses or accidents.

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Which Diseases are Covered under Term Insurance with Critical Illness and Accidental Disability?

The following critical illnesses are generally covered under term insurance with critical illness and accidental disability —

Cancer
Heart Transplant
Open Chest CABG
Open Heart Replacement/Heart Valves Repair
Stroke
Blindness
Apallic Syndrome
Aplastic Anaemia
Encephalitis
Chronic Recurrent Pancreatitis
Creutzfeldt-Jakob Disease
Benign Brain Tumour

Lung Failure
Loss of Limbs
Viral Hepatitis
Kidney Failure
Parkinson’s Disease
Third-degree Burns
Motor Neuron Disease
Cardiomyopathy
Major Surgery of the Aorta
Myocardial Infarction
Primary Pulmonary Hypertension
Alzheimer’s Disease

Bacterial Meningitis
Deafness
Coma
Liver Failure
Loss of Speech
Loss of Independent Existence
Major Head Trauma
Major Organ Transplant
Permanent Disease of Limbs
Muscular Dystrophy
Severe Rheumatoid Arthritis

What is Covered Under Term Insurance with Critical Illness and Accidental Disability?

A critical illness policy provides a lump sum amount that can cover major life-threatening diseases and related treatment costs, such as surgery. You can use the amount for —	An accidental disability policy protects you if you become disabled due to an accident. Most permanent disabilities are covered, including —
Hospital admission fees Medication expenses Doctor’s consultation fees Surgery costs Treatment expenses until recovery	Neurotic disorders Permanent deafness Permanent blindness Full-body paralysis Leg paralysis Loss of speech

Things to Remember Before Buying Term Insurance with Critical Illness Cover and Accidental Disability

When you proceed to buy a term insurance plan with critical illness cover and accidental disability, take note of the following points —

Assess your needs - Evaluate how much coverage you need. For this, consider your financial responsibilities and future goals.
Choose coverage - Opt for term insurance with a critical illness rider for added protection if needed.
Complete the application - Fill out the form precisely, go through a medical exam (if required), and thoroughly review the policy details.
Make payment - Pay your premiums through your preferred method to activate the coverage and secure your family’s future.

Why Buy Term Insurance with Critical Illness and Accidental Disability via Policybazaar.ae?

You can easily buy term insurance plans with critical illness and accidental disability rider benefits on Policybazaar.ae. The website is easy to use and hosts a plethora of plans from the major insurance companies in the UAE. In just a few clicks or taps, you can compare the plans and select the best one that suits your requirements.

When you apply for a plan on our website, you get the following benefits —

Compare and select the best-suited plan
Access to free credit score
Customise the plan as per your requirements
24/7 customer care service
Assistance from industry experts

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