Zurich Life Insurance in UAE: Plans, Benefits, Features & Why Investors Choose Zurich

Zurich Life Insurance: By the Numbers

Zurich has been part of life in the UAE, Bahrain, and Qatar for over 40 years. This means you get the backing of a global insurer, with a plan built around how people actually live and plan here.

*The remaining unpaid claims were primarily due to fraud or non-disclosure.

Why Choose Zurich Life Insurance in the UAE?

Zurich life insurance Dubai makes it simple and affordable to get the right protection. Here’s how —

• Trusted by Thousands – Zurich has been serving customers in the Middle East for more than four decades, helping individuals, families, and employers protect what matters most. Average applicant age is 39 years; 21% of couples opt for joint life policies.
• High Claim Approval Rate – Zurich reports that 97% of eligible life insurance claims are paid, demonstrating its commitment to honouring genuine claims.
• Strong and Reliable – Once all required documents are submitted, the average claim settlement time is around 72 hours. This helps families access funds quickly during difficult times.
• Plans That Fit You – From life cover to income protection and investment-linked options, there’s something for every need.
• Customer-First – Focused on helping families choose the right protection for their situation.

Types of Zurich Life Insurance Plans

Different financial goals require different types of life insurance.

Some people want affordable protection for a fixed number of years, while others prefer lifelong cover that also helps build wealth. Similarly, those concerned about rising healthcare costs may prioritise critical illness protection over traditional life coverage.

To meet these varying needs, Zurich offers three core life insurance solutions.

1. Critical Illness Protection

It’s a Zurich life insurance plan designed to give you a lump-sum payout if you’re diagnosed with a serious illness during the policy term. This includes cancer, heart attack, or organ failure. This payout gives you financial security at a time when you may not be able to work, helping you cover living expenses and focus entirely on treatment and recovery.

• Cover period: Choose between 5–35 years.
• Options:
  • Comprehensive Critical Illness – covers 34 illnesses
  • Cancer Cover – covers 3 types of cancer
• Extra benefits (no cost):
  • Child’s cancer/critical illness cover – USD 15,000 per child (up to 3 children)
  • Funeral cover – USD 5,000 to beneficiary
• Not covered: Illnesses diagnosed outside the policy term, unpaid premiums, excluded conditions, or dishonesty in application.

2. Term Assurance (ITA & IDTA)

Term Assurance is a customisable life cover that can also include critical illness protection. It can be tailored to your needs by allowing you to choose between covering just yourself or including your spouse under a single policy, and deciding whether you want a fixed or decreasing amount of coverage. The two main types are International Term Assurance (ITA) and International Decreasing Term Assurance (IDTA).

• ITA: Fixed cover amount throughout the term.
• IDTA: Decreasing cover over time (ideal for loan/mortgage protection).
• Cover period: Short term up to 35 years.
• Optional add-ons: Critical illness cover (cancer, heart attack, stroke).
• Not covered: Death after policy term, unpaid premiums, suicide in first year, dishonesty in application.

3. Futura

Zurich Futura is a comprehensive, investment-linked life insurance that adapts over your lifetime. It provides a lump sum payout upon death, but also allows you to add benefits such as critical illness or permanent and total disability cover.

Your premiums get invested in funds of your choice, and the returns help cover the cost of your insurance benefits. This combination makes Futura suitable for individuals who want their insurance policy to serve multiple purposes instead of simply providing a death benefit.

• Cover options: Lifetime or fixed term.
• Flexibility:
  • Pay premiums over 7–50 years.
  • Choose investment funds for your premiums.
• Add-ons: Critical illness, permanent & total disability benefits.
• Extra perks: Insure partner on same plan, choose currency, free medical second opinion.
• Not covered: Suicide in first year, dishonesty, or if policy fund value drops to zero due to withdrawals.

Key Highlights of Zurich Futura

Which Zurich Term Insurance UAE Plan Fits Your Investment Strategy?

Choosing the right policy depends on your financial priorities rather than simply selecting the most comprehensive cover.

The table below highlights the key differences between Zurich's three core protection solutions.

**For reference only; actual premiums may vary as per your financial profile and other factors

Where to Buy Zurich Life Insurance UAE?

You can apply for a Zurich life policy online via Policybazaar.ae. This website is your one-stop portal for all insurance-related solutions.

You can explore the aggregator portal for life insurance policies in UAE 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
• Other supporting documents

When Will Your Zurich Life Insurance Policy Claim Be Denied?

To protect the fund pool and operate transparently, Zurich does not pay claims under the following conditions:

1. Lapsed Premiums: If you stop paying and your policy fund value cannot sustain the insurance charges, your cover ends
2. Non-Disclosure/Fraud: If you give inaccurate health or lifestyle information during application (accounts for all 3% of unpaid claims)
3. Suicide/Self-Harm: Not covered during the first year of the policy
4. Outside the Term: For Term Assurance and CI, no payout is made if the illness or death occurs after the 5-35 year term expires

How to Initiate a Zurich Term Plan Claim?

After receiving the documents, Zurich processes standard claims in an average of 72 hours. To file, use these details:

• UAE Phone: +971 4 363 4567 (Mon–Fri, 8 AM – 5 PM)
• Overseas Phone: +44 1624 691 111 (Mon–Fri, 7 AM – 4 PM GMT)
• Email: benefit.claims@zurich.com

Alternatively, contact your dedicated financial advisor to manage the claims process on your behalf.

Final Word

Zurich Life Insurance UAE offers a complete range of plans. Starting from quick, no-medical-cover options to comprehensive lifetime protection with investment opportunities. With a proven track record, flexible plans, and easy online access, Zurich continues to be one of the most trusted names for life and critical illness insurance in the UAE.

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

FAQs for Zurich Life Insurance Dubai

Other Insurance Products

Motor Insurance Dubai | Best Motor Insurance in UAE | Medical Insurance | Medical Insurance Cost | Term Insurance UAE | Best Investment in UAE | Life Insurance Companies in UAE | Short Term Investment in UAE