Zurich Life Insurance UAE & Dubai

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 

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

1. The comprehensive plan covers 34 illnesses including cancer, organ failure, heart attack, and more
2. 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 —

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

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

1. Accidental death benefit
2. Critical illness benefits or cancer cover 
3. Dismemberment benefit
4. Fixed-term income benefit
5. Permanent and total disability
6. Family income benefit
7. Hospitalisation benefit
8. Waiver of premium

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

1. War or warlike operation
2. Terrorism or conspiracy
3. Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more
4. Criminal act
5. 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 —

1. War or warlike operation
2. Terrorism or conspiracy
3. Invasion, mutiny, civil commotion, rebellion, hostilities, riot, and more
4. Criminal act 
5. 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

• 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

• 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