Zurich Life Insurance UAE | Buy Zurich Life Insurance Plan at Lowest Price

It’s no hidden fact that life is uncertain. To confront obstacles in their face, be it a permanent disability, a critical illness, or death, it is important to secure a life insurance cover. With this insurance type, you can financially secure yourself and your loved ones amidst unfortunate situations.

One of the best life insurance policies you can buy is the Zurich life policy. With Zurich, you can get 3 major life insurance plans — Critical Illness Protection, Term Assurance, and Futura.

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Benefits of Buying Zurich Life Insurance

Zurich Life Insurance has curated its insurance products to bring to you the best solutions, backed by years of industry experience, forward thinking, and a commitment to excellence.

Here’s why you should buy a Zurich life insurance policy.

Prompt claim settlement process with 98% life claims paid out
Serves over 230,000 customers
Customisable life insurance plans
Life insurance of up to 10 times your annual salary

Top Zurich Life Insurance Company’s Policies

Zurich Life Insurance offers a range of plans that secure not just you but also your family’s future. With comprehensive yet flexible options, you can easily find a plan that suits your financial goals at each life stage.

Here are the best Zurich life insurance plans —

Critical Illness Protection	Term Assurance	Futura
Financially covers critical illnesses like cancer, a heart attack, or organ failure The policyholder receives a lump sum amount that can be used for the treatment and living expenses	This Zurich life insurance plan can be divided into 2 categories — International Term Assurance (ITA) — Premium fixed for the whole team International Decreasing Term Assurance (IDTA) — Premium decreases over the policy tenure by a rate that you select	A unit-linked Zurich life cover that financially protects you and your loved ones for your lifetime Your premiums are partly invested in funds that you select, while the other part works as a life insurance policy

Critical Illness Protection

Term Assurance

Futura

Financially covers critical illnesses like cancer, a heart attack, or organ failure

The policyholder receives a lump sum amount that can be used for the treatment and living expenses

This Zurich life insurance plan can be divided into 2 categories —

International Term Assurance (ITA) — Premium fixed for the whole team
International Decreasing Term Assurance (IDTA) — Premium decreases over the policy tenure by a rate that you select

A unit-linked Zurich life cover that financially protects you and your loved ones for your lifetime

Your premiums are partly invested in funds that you select, while the other part works as a life insurance policy

Features of Zurich Life Insurance Company’s Policies

Having learnt about the top Zurich Life insurance plans, let’s dive deeper into the features and benefits that these plans have to offer —

Critical Illness Protection	Term Assurance	Futura
Compensation in case the policyholder is seriously ill Flexible tenure from 5 to 35 years Select the type of coverage — The comprehensive plan covers 34 illnesses including cancer, organ failure, heart attack, and more 3 types of cancer cover Funeral coverage with no extra cost Children’s cancer or critical illness cover — for up to 3 children with no additional cost	Lump sum payment of sum assured as life cover Flexible policy tenure of up to 35 years Flexibility to choose the beneficiary Options for Add-ons — Critical illness benefits for diseases like cancer, heart attack, lung disease, organ failure, loss of speech, coma, benign brain tumour, and more Permanent and total disability benefit Waiver of premium benefit	Funeral coverage Live Cover Cover for terminal illness Aeroplane cover Second medical opinion Optional benefits include — Accidental death benefit Critical illness benefits or cancer cover Dismemberment benefit Fixed-term income benefit Permanent and total disability Family income benefit Hospitalisation benefit Waiver of premium

Critical Illness Protection

Term Assurance

Futura

Compensation in case the policyholder is seriously ill
Flexible tenure from 5 to 35 years
Select the type of coverage —

The comprehensive plan covers 34 illnesses including cancer, organ failure, heart attack, and more
3 types of cancer cover

Funeral coverage with no extra cost
Children’s cancer or critical illness cover — for up to 3 children with no additional cost

Lump sum payment of sum assured as life cover
Flexible policy tenure of up to 35 years
Flexibility to choose the beneficiary
Options for Add-ons —

Critical illness benefits for diseases like cancer, heart attack, lung disease, organ failure, loss of speech, coma, benign brain tumour, and more
Permanent and total disability benefit
Waiver of premium benefit

Funeral coverage
Live Cover
Cover for terminal illness
Aeroplane cover
Second medical opinion
Optional benefits include —

Accidental death benefit
Critical illness benefits or cancer cover
Dismemberment benefit
Fixed-term income benefit
Permanent and total disability
Family income benefit
Hospitalisation benefit
Waiver of premium

Exclusion of Zurich Life Insurance Plans

While Zurich Life Insurance offers comprehensive coverage, it’s important to be aware of the exclusions associated with these plans. While such conditions are often overlooked at the time of policy purchase, being aware of them can help you make a smart choice.

Here are the general exclusions of Zurich Life Insurance plans —

Critical Illness Protection	Term Assurance	Futura
Non-disclosure of a critical illness Life insured’s involvement in any of the following — War or warlike operation Terrorism or conspiracy Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more Criminal act Addiction and substance abuse In case the policyholder stops paying the premium	Death outside the policy tenure Suicide or self-inflicted injuries Death due to life insured’s involvement in any of the following — War or warlike operation Terrorism or conspiracy Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more Criminal act Addiction and substance abuse Undeclared health conditions	Treatment for chronic alcoholism, allergy or nervous or mental disorder, drug addiction, and more Cosmetic or plastic surgery Claim related to homoeopathic or Ayurvedic treatment Dental examinations, X-rays, or general dental care Pregnancy and related complications Optical care Injury or illness due to nuclear fission or fusion Routine or other medical examinations Non-disclosure of pre-existing medical conditions

Critical Illness Protection

Term Assurance

Futura

Non-disclosure of a critical illness
Life insured’s involvement in any of the following —

War or warlike operation
Terrorism or conspiracy
Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more
Criminal act
Addiction and substance abuse

In case the policyholder stops paying the premium

Death outside the policy tenure
Suicide or self-inflicted injuries
Death due to life insured’s involvement in any of the following —

War or warlike operation
Terrorism or conspiracy
Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more
Criminal act
Addiction and substance abuse

Undeclared health conditions

Treatment for chronic alcoholism, allergy or nervous or mental disorder, drug addiction, and more
Cosmetic or plastic surgery
Claim related to homoeopathic or Ayurvedic treatment
Dental examinations, X-rays, or general dental care
Pregnancy and related complications
Optical care
Injury or illness due to nuclear fission or fusion
Routine or other medical examinations
Non-disclosure of pre-existing medical conditions

Note: Always read the fine print carefully before buying a Zurich life policy.

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Add- Ons of Zurich Life Cover Plans

You can easily customise your Zurich life cover plans by including optional benefits to make them more comprehensive. Here are the add-ons for different plans —

Critical Illness Protection	Term Assurance	Futura
Pay premium monthly or annually Select the preferred currency Insure the spouse at the same time Increase the sum assured during the policy tenure	Pay premium annually or monthly Select the preferred currency Insure your spouse along with you Include waiver of premium cover at an additional cost	Monthly or annual premium payment Option to choose the payment currency Complimentary second medical opinion Insure your spouse with you

Critical Illness Protection

Term Assurance

Futura

Pay premium monthly or annually
Select the preferred currency
Insure the spouse at the same time
Increase the sum assured during the policy tenure

Pay premium annually or monthly
Select the preferred currency
Insure your spouse along with you
Include waiver of premium cover at an additional cost

Monthly or annual premium payment
Option to choose the payment currency
Complimentary second medical opinion
Insure your spouse with you

Eligibility Criteria to Buy Zurich Life Policy

Find below the major eligibility criteria for buying Zurich Life Insurance policies —

Critical Illness Protection	Term Assurance	Futura
Minimum age to apply — 18 years Maximum age to apply — 59 years	Minimum age to apply — 18 years Maximum age to apply — 74 years	Minimum age to apply — 18 years Maximum age to apply — 74 years

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Where to Buy Zurich Life Insurance?

You can apply for a Zurich life policy online via Policybazaar.ae. This website is your one-stop portal for all insurance-related solutions. Explore the aggregator portal for life insurance policies from top providers like Zurich.

The application process is pretty simple —

Select the ‘Life Insurance’ option from the ‘Insurance’ tab on the home page.
Fill out the lead form.
You will be directed to the life insurance quotes page.
Go through all the Zurich life insurance policies and select a plan suitable to you.

How to File a Claim for Zurich Life Insurance Plan?

Follow these steps to file a claim for Zurich life insurance —

Notify Zurich Life Insurance Company: Contact the insurer as soon as possible to inform them about the claim using the provided contact details.
Complete the Claim Form: Carefully fill this form and provide all the requested information to avoid delays.
Submit the Claim: Send the completed claim form and supporting documents to the insurance company through the designated channels.
Provide Additional Information: If the insurer requests more information or documents, provide them promptly to facilitate the claim process.
Claim Assessment: Zurich will assess the claim based on the provided information, documentation, and policy terms. The company may also investigate the claim, if necessary.
Claim Settlement: Once approved, the Zurich Life Insurance Company will provide the settlement amount as per the policy terms. This is typically done through bank transfer or cheque.
Seek Assistance if Required: If you encounter difficulties or have questions, reach out to the insurance company's customer service or claims department for help.

Note: Some steps may vary as per the plan and the terms of the policy.

To make the process smooth, provide the following documents to support your Zurich life policy claim -

Original policy document
Claim form (provided by the company)
Medical records (if applicable)
Death certificate (in case the policyholder passes away)
Identity proof
Other supporting documents

Here are some claim assistance contact details that can come in handy when you file the Zurich life insurance claim —

Contact Number: +971 4 363 4567 (Monday to Friday, 08:00 am to 05:00 pm)
Email Address: benefit.claims@zurich.com

Facts about Zurich Life Insurance Claims
Customer claims worth over USD 210 million paid till now 98.1% of life insurance claims paid out (over the previous 3 years) Unpaid claims mainly due to non-disclosure or fraud

Go through the following frequently asked questions section to know more about Zurich Life Insurance Company.

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Frequently Asked Questions

The life insurance policy covers the policyholder. In the case of a joint life insurance plan, both policyholders are covered.

The factors influencing the cost of a life insurance plan include your profile, the type and the level of cover, policy term, and more.

You can pay the premium annually, monthly, quarterly, or half-yearly. You can make the payment via direct debit. Cheque, credit card, or standing order.

The plan covers —

Aorta graft surgery
Bacterial meningitis
Blindness
Cardiomyopathy
Coma
Creutzfeldt-Jakob Disease
Dementia (before the age of 65 years)
Encephalitis
Heart failure
HIV infection
Liver failure
Loss of independent existence
Lung disease
Motor neurone disease
Open heart surgery
Parkinson’s disease (before the age of 65 years)
Stroke
Third-degree burns
Aplastic Anaemia
Benign brain tumour
Cancer
Children’s critical illness
Coronary artery by-pass grafts
Deafness
Ductal Carcinoma in Situ of the Breast
Heart attack
Heart valve replacement or repair
Kidney failure
Loss of limbs
Loss of speech
Major organ transplant
Multiple Sclerosis
Paralysis
Primary pulmonary arterial hypertension
Systemic Lupus Erythematosus
Traumatic head injury

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