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Zurich YourCare

Secure your loved ones' future with a life term plan from Zurich International Life. This product isn't available to new customers.

What you get with a Zurich YourCare policy

A high level of cover

Get cover between AED 500,000 to AED 1,000,000.

No medical test

Get covered in 3 easy steps online, with no need to take a medical test. Once your policy is issued, any claims will follow the policy terms.

Flexible terms

Choose cover for 5 or 10 years.

What's covered

Choose between cancer only cover, 10 critical illnesses (including cancer) or 10 critical illnesses and hospital cash benefits.

Essential

This policy will pay a cash sum if you're diagnosed with cancer during the policy term. Exclusions apply.

Plus

This policy will pay a cash sum if you're diagnosed with 1 of the 10 most common serious illnesses during the policy term. Exclusions apply.

  • Cancer
  • Stroke
  • Renal failure
  • Heart attack
  • Aorta graft surgery
  • Benign brain tumour
  • Cardiomyopathy
  • Open heart surgery
  • Coronary artery bypass graft
  • Heart valve replacement

Complete

This policy will pay a cash sum if you're diagnosed with 1 of the 10 most common illnesses, and an additional hospital cash benefit if you're hospitalised for at least 4 days. Exclusions apply.[@yourcarehospitalisation].

On all cover options, you'll get AED 50,000 of cover for children's cancer and a Medical Second Opinion service. You'll also get AED 20,000 to cover funeral expenses[@yourcarepaysum] if the policy owner dies during the policy term and no critical illness claim was made. 

What's not covered

Exclusions applicable to Critical Illness and Cancer Cover are:

  • If a claim is directly or indirectly attributable to a pre-existing condition - a condition for which the insured received medical treatment, care, advice, or medication within the 12 consecutive month period before the commencement date of coverage
  • If the life insured dies within the 30 day Survival Period from the diagnosis of the condition


For the full list of exclusions please refer to the policy T&Cs.

Premium example

Here are some examples of a premium you might pay with YourCare Essential cover.
Profile Coverage Requirements YourCare Essential premium
35 year-old age next birthday, male and non-smoker Sum assure of AED500,000 up to age 45 Annually: AED1,629
Daily: AED4.5
35 year-old age next birthday, female and non-smoker Sum assure of AED500,000 up to age 45 Annually: AED1931
Daily: AED5.3
Here are some examples of a premium you might pay with YourCare Essential cover.
Profile 35 year-old age next birthday, male and non-smoker
Coverage Requirements Sum assure of AED500,000 up to age 45
YourCare Essential premium Annually: AED1,629
Daily: AED4.5
Profile 35 year-old age next birthday, female and non-smoker
Coverage Requirements Sum assure of AED500,000 up to age 45
YourCare Essential premium Annually: AED1931
Daily: AED5.3

Things to know

This product is currently not on sale to new customers.

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Additional information

    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 and 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.


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