Critical Illness Protection
Zurich Critical Illness Protection is underwritten by Zurich International Life Ltd and can offer you and your loved ones financial support should you unexpectedly fall ill.
What is Critical Illness Protection?
The product pays a lump sum on diagnosis of a specified illness to help support you and your family. Whether it's used to clear any outstanding debt, pay towards rehabilitation costs or to help you get back on your feet.
Why you'll want Critical Illness Protection
Cover amounts of up to USD 2,000,000
34 Critical Illnesses covered
Portable plans which can move with you1
Get high levels of coverage for relatively low premiums, based upon your circumstances
The minimum monthly premium is $25
Free cover of USD 15,000 for 3 of your children
Cover term between 5 to 35 years
Select full comprehensive cover or Cancer only cover
Select between Own life (the policy owner is the insured) or Joint lives, first illness claim
34 serious illnesses are covered including:
Cancer - excludes less advanced cases
Alzheimers / Dementia
Please refer to the product Key Features document for the full list of illnesses covered and a fuller description of the illnesses described above.
What's not covered?
As with all insurance policies, terms and conditions, exclusions and limitations will apply.
The product won’t cover you within the first 90 days of the policy start date or if you don’t survive for a period of 30 days from the date of diagnosis.
For full details of cover, download the Critical Illness Protection key feature document.
How to apply
Are you eligible?
You can apply for Critical Illness Protection if you:
- are a UAE national or resident
- are between 21 and 59 years old
- you are an existing customer of HSBC Bank Middle East Limited
Things you should know
- Life Insurance policies have no cash-in value.
If you would like more information on Critical Illness Protection, please take the time to read the following. You may also want to save some of these documents for future reference.
Frequently asked questions
What is considered a critical illness?
Can I cancel my Critical Illness Protection?
Does critical illness insurance cover pre-existing conditions?
How much Critical Illness Protection do I need?
How much does Critical Illness Protection pay if I need to claim?
1The portability of a product is subject to Zurich International Life Ltd business acceptance rules at the time. If your country or region of residence changes, you must tell us and Zurich International Life Ltd as soon as possible, as this may impact what products and services will be available, or continue to be available, to you in accordance with applicable laws and regulations. HSBC Bank Middle East Limited in the U.A.E. is only a distributor of Zurich International Life Ltd's insurance products and is not responsible for claims, processing or otherwise. Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid.
All Life Insurance plans are provided and underwritten by Zurich International Life Ltd. This is only general information and does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Brochures, Product Summary and Benefit illustration in deciding whether to buy this product. You can ask for these documents from any of our Branches. Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid.
Product terms and conditions, exclusions and eligibility criteria apply. The terms & conditions applicable to these products will be of Zurich International Life Ltd and HSBC will not be responsible for claims, processing or otherwise. For the avoidance of doubt, HSBC does not provide tax advice and you should seek your own external tax advice in relation to this product.