Zurich Term Insurance in UAE

About Zurich Term Insurance

Zurich term insurance in UAE is a term life insurance plan that offers a sum assured as a death benefit to the nominee in case of the policyholder’s demise during the plan’s tenure. 

Under this term insurance, the insurance company pays a cash lump sum in case of the policyholder’s demise. You also have the option to include coverage for your partner in the policy. 

What are the Types of Zurich Term Life Insurance UAE?

Zurich Insurance in UAE offers 2 products under Zurich Term Assurance -

• International Term Assurance (ITA) - This is a type of level term life insurance plan designed to pay a fixed sum if the policyholder passes away during the policy term. This sum assured remains fixed from the start. This type of Zurich term life insurance offers compulsory life coverage and has an option to add riders for additional benefits. 
• International Decreasing Term Assurance (IDTA) - This type of Zurich term insurance in UAE is a pure protection policy where the life cover amount reduces annually throughout the policy tenure, eventually reaching ‘0’. This type of term insurance can be used in a scenario such as repaying a mortgage. In addition to providing a mandatory life cover, you can also opt for riders. 

Why Should You Buy Zurich Term Insurance in the UAE?

The following are the reasons you should buy Zurich term life insurance -

• Flexible premium payments: Choose to pay premium monthly or annually, whichever works the best
• Customisable plans: Tailor the plan as per your requirements
• Currency Selection: Select the currency for coverage
• Efficient claims process: Benefit from a swift and straightforward life insurance claim process

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
• Choose the policy tenure of up to 35 years
• Option to choose your beneficiary to receive your pay out in case of your absence
• 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 Life Insurance?

To file a claim against Zurich's term insurance in Dubai, follow these steps-

• Connect with Zurich Insurance in UAE as early as possible and inform them about the claim. 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 -

1. Original policy document
2. Death certificate (in case of the insured person’s demise)
3. Identification documents like Emirates ID, Passport, UAE residence visa, and address proof
4. Duly completed claim form
5. Medical records (if applicable)
6. Other supporting documents requested by the insurer