Zurich Term Insurance in UAE
Zurich Term Insurance in the UAE is designed to protect your loved ones if something happens to you. This plan offers flexible options like life cover, critical illness cover, and income protection. You can choose how your coverage works, whether it stays the same, increases, or decreases over time.
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Qualified Policybazaar expert will assist you Why Should You Buy Zurich Term Insurance in the UAE?
Zurich Term Insurance offers peace of mind and quick support when your family needs it the most. If you pass away during the policy term, Zurich pays a lump sum amount to your family or nominee. You can even include your partner in the same plan for extra protection.
- Trusted Worldwide: Zurich Insurance has been helping families in over 200 countries for more than 40 years
- Proven Track Record: Serving over 277,000 customers in the UAE
- Fast & Reliable Claims: USD 210 million paid in benefits, with an average claim settlement time of just 72 hours
- Flexible premium payments: Choose to pay premium monthly or annually, whichever works the best
- Customisable plans: Tailor the plan as per your requirements and select the currency for coverage
- Efficient claims process: Benefit from a swift and straightforward life insurance claim process
You can also check Zurich term insurance reviews online to make your comparison easier and better.
Best Term Insurance Plan in UAE
Some of the best Term Insurance quotes in UAE & Dubai are:
What are the Types of Zurich Term Life Insurance UAE?
Zurich offers two main term insurance products in the UAE. Let’s understand them one by one —
1. International Term Assurance (ITA)
ITA is a fixed-sum life insurance plan. The coverage amount (sum assured) stays the same throughout your chosen term. If you pass away or are diagnosed with a terminal illness (with less than 12 months to live), your beneficiaries receive a lump sum. You can also add optional benefits for broader protection.
Key benefits:
- Pays a cash sum if you die during the policy term or are diagnosed with a terminal illness.
- Optional Critical Illness (CI) cover: Lump sum payment if diagnosed with a covered illness.
- Optional Permanent and Total Disability (PTD) benefit: Payment if you can no longer work due to disability.
- Waiver of Premium option: Zurich pays your premiums if you are incapacitated for at least 180 days due to accident, illness, or injury.
- Coverage continues even if you move to another country (subject to Zurich’s acceptance rules).
Benefit Limits
|
Benefit |
Currency |
Min |
Max |
|---|---|---|---|
|
Life Cover |
USD |
100,000 |
20,000,000 |
|
AED |
350,000 |
70,000,000 |
|
|
GBP |
50,000 |
13,500,000 |
|
|
EUR |
70,000 |
20,000,000 |
|
|
Critical Illness |
USD |
50,000 |
1,250,000 |
|
AED |
175,000 |
4,500,000 |
|
|
GBP |
25,000 |
850,000 |
|
|
EUR |
35,000 |
1,250,000 |
|
|
PTD |
USD |
50,000 |
2,000,000 |
|
AED |
175,000 |
7,000,000 |
|
|
GBP |
25,000 |
1,000,000 |
|
|
EUR |
35,000 |
1,400,000 |
Minimum regular premiums:
|
Currency |
Monthly |
Yearly |
|---|---|---|
|
USD |
30 |
300 |
|
AED |
105 |
1050 |
|
GBP |
15 |
150 |
|
EUR |
20 |
200 |
Premiums depend on age, gender, health, smoker status, cover amount, term length, and chosen riders.
2. International Decreasing Term Assurance (IDTA)
IDTA is designed for situations where the amount you need to protect reduces over time, for example, a mortgage or loan. The life cover amount decreases every year until it reaches zero at the end of the term.
Key benefits
- Pays a reduced lump sum if you die during the policy term.
- You get optional Critical Illness (CI) cover and Permanent and Total Disability (PTD) benefit.
- Waiver of Premium option: Zurich pays your premiums if you can’t work for at least 180 days due to accident, illness, or injury.
- Free temporary life cover (up to USD 250,000 / AED 1 million) while your application is being processed.
Benefit limits
Life Cover (compulsory)
|
Currency |
Min |
Max |
|---|---|---|
|
USD |
100,000 |
20,000,000 |
|
AED |
400,000 |
80,000,000 |
|
BHD |
40,000 |
8,000,000 |
|
QAR |
400,000 |
80,000,000 |
|
GBP |
60,000 |
12,000,000 |
|
EUR |
80,000 |
16,000,000 |
CI & PTD (optional, must match Life Cover amount)
|
Currency |
Min |
Max |
|---|---|---|
|
USD |
100,000 |
2,000,000 |
|
AED |
400,000 |
8,000,000 |
|
BHD |
40,000 |
800,000 |
|
QAR |
400,000 |
8,000,000 |
|
GBP |
60,000 |
1,200,000 |
|
EUR |
80,000 |
1,600,000 |
Minimum regular premiums
|
Currency |
Monthly |
Quarterly |
Half-yearly |
Yearly |
|---|---|---|---|---|
|
USD |
25 |
75 |
150 |
250 |
|
AED |
100 |
300 |
600 |
1,000 |
|
BHD |
10 |
30 |
60 |
100 |
|
QAR |
100 |
300 |
600 |
1,000 |
|
GBP |
15 |
45 |
90 |
150 |
|
EUR |
20 |
60 |
120 |
200 |
Key Rules & Risks
- Total payout cap: Combined claims for Life, CI, and/or PTD cannot exceed original Life Cover amount.
- No guarantee to match mortgage balance: payout is based on the policy's sum insured at the time of claim.
- Non-disclosure: may result in claim refusal.
- Premium reviews: Critical Illness benefit premiums reviewed periodically.
- No value on maturity: policy ends without payout if you survive the term.
Optional Benefits (for both ITA and IDTA)
- Critical Illness (CI)
- Lump sum if diagnosed with a covered illness after a 90-day waiting period.
- Reduces the life cover amount when claimed.
- Permanent and Total Disability (PTD): Lump sum if you can’t work again after being disabled for 180 consecutive days.
- Waiver of Premium (WOP): Zurich pays your future premiums if you are incapacitated for at least 180 days.
Comparison Table – Zurich Term Life Insurance UAE
Here’s the tabled comparison to help you choose a suitable plan —
|
Feature |
ITA (Level Term) |
IDTA (Decreasing Term) |
|---|---|---|
|
Coverage |
Fixed throughout term |
Reduces yearly |
|
Best for |
Family/business income protection, fixed debts |
Mortgages, reducing loans |
|
Optional Benefits |
CI, PTD, WOP |
CI, PTD, WOP |
|
Minimum Term |
5 years |
5 years |
|
Maximum Term |
35 years |
35 years |
|
Max Age at End of Term |
79 |
79 |
|
Free Temporary Cover |
No |
Yes, up to USD 250,000 / AED 1M |
What are the Features of Zurich Term Insurance in Dubai?
The following are the primary features of Zurich term life insurance in UAE —
- Sum assured is paid if the policyholder passes away during the policy tenure
- Option to choose your beneficiary to receive your pay out in case of your absence
- You can add riders like critical illness cover if diagnosed with diseases like heart attack, stroke, cancer, and more
- Leverage to insure your partner under the same policy
What is Not Covered Under Zurich Term Life Insurance?
The following are the exclusions of Zurich term life insurance in Dubai -
- Failure to pay your premiums
- Death outside the policy tenure
- Suicide and self-inflicted injuries
- Non-disclosure of health and lifestyle information
Who Can Buy Zurich Term Insurance?If you are the sole breadwinner in the family, you should consider buying a Zurich term life insurance. It is better to buy term insurance at an early age to build coverage throughout the tenure. |
|---|
How to File a Claim against Zurich Term Insurance Dubai?
To file a claim for Zurich term insurance settlement, follow these steps —
- Go to Zurich term insurance login and inform them about the claim.
- Or you can connect via the customer care number - +971 4 363 4567 or email ID - helppoint.uae@zurich.com.
- Fill in the claim form precisely and mention the requested information. Make sure to provide all the required information without delay.
- Submit the claim form and affix the supporting documents including —
- Original policy document
- Death certificate (in case of the insured person’s demise)
- Identification documents like Emirates ID, Passport, UAE residence visa, and address proof
- Duly completed claim form
- Medical records (if applicable)
- Other supporting documents requested by the insurer
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