Zurich Critical Illness Cover

In today's unpredictable world, safeguarding our financial well-being has never been more crucial. With medical emergencies and critical illnesses lurking around the corner, having comprehensive insurance coverage is paramount. Among the various insurance products available, Zurich Critical Illness Cover emerges as a beacon of financial security and peace of mind for individuals and families alike. 

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What is Zurich Critical Illness Cover?

Zurich Critical Illness Cover is a robust term insurance product designed to provide financial protection in the event of a critical illness diagnosis. Unlike traditional health insurance plans that primarily cover medical expenses, Zurich's Critical Illness Cover offers a lump sum payment upon the diagnosis of a covered critical illness, helping policyholders mitigate the financial impact of their illness.

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What are the Cover Options Offered Under the Zurich Life Critical Illness Insurance?

The Zurich Life and Critical Illness Insurance offers the following cover options:

  • Life Cover: Under this Zurich Life Insurance cover option, your nominee will receive the death benefit on your death or you will receive the chosen cover amount on the diagnosis of a terminal illness.

  • Critical Illness Cover: In this cover option, the policy will pay the cover amount on the diagnosis of a critical illness covered under the plan.

  • Life Cover and Critical Illness: With this cover option, the sum assured will be paid on the death of the policyholder, diagnosis of terminal illness, or diagnosis of a critical illness covered under the policy.

In the latter two cover options, you can also opt for the Additional Payment Conditions, under which less severe conditions can be covered at an additional premium, and a lower amount will be paid out. On the diagnosis of an Additional Payment Condition, £25,000 or 25% of the sum assured (whichever is lower) will be paid, and the policy will continue as normal.

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What are the Types of Cover Offered With Zurich Life Insurance Critical Illness?

The Zurich Life Critical Illness cover offers the following 3 cover options:

  • Level Cover: The premiums and the sum assured remain constant throughout the policy term

  • Increasing Cover: The sum assured will increase yearly at a fixed rate decided by the insurer, 3%, 5%, or the retail price index. For every 1% increase in the sum assured, the premiums will increase by 1.5%.

  • Decreasing Cover: The premiums under this stay the same while the cover decreases every month, in line with the loan or mortgage repayment

Who Can Get Coverage Under the Zurich Life Critical Illness Insurance?

The following can be covered under the Zurich Life Insurance plan:

  • Individual or Self

  • Joint or Spouse 

  • Children (optional)

What are the Key Features of the Zurich Life and Critical Illness Cover?

The following are the key benefits of the Zurich life insurance critical illness cover:

  • This life insurance policy pays the sum assured on death, diagnosis of terminal or critical illness

  • You can spend the benefit amount on anything like medical expenses or take care of other financial needs

  • This Zurich life critical illness covers you against a range of 39 full payment critical illnesses and 2 Additional Payment Conditions

  • You can enhance the coverage up to £25,000 for your children

  • Opt for a single policy or choose to cover your spouse and yourself under the same Zurich critical illness cover

List of Critical Illnesses Covered under the Zurich Life Insurance

Here is the full Zurich critical illness list covered under the policy:

  1. 39 Full Payment Conditions

    Aorta graft surgery Aplastic anaemia Bacterial meningitis Benign brain tumour Blindness
    Brain injury Cancer Cardiac arrest Cardiomyopathy Coma
    Coronary artery bypass graft Creutzfeldt-Jakob disease Parkinson plus syndromes Dementia, including Alzheimer’s disease Loss of speech
    Major organ transplant Motor neurone disease and specified diseases of the motor neurones Heart-valve replacement or repair Interstitial lung disease Removal of an eyeball as a result of injury or disease
    Liver failure Loss of hand or foot Encephalitis Heart attack Heart surgery
    Multiple sclerosis Paralysis of limb Deafness Parkinson’s disease Pneumonectomy
    Pulmonary artery replacement Pulmonary hypertension Systemic lupus erythematosus Respiratory failure Spinal stroke
    Stroke Kidney failure Terminal illness Third-degree burns
  2. 2 Additional Payment Conditions

    Less advanced cancer of the breast Less advanced cancer of the prostate

What are the Additional Benefits Offered Under Zurich Critical Cover Life Insurance?

Here are the several additional benefits available under the Zurich Critical Illness Insurance:

  1. Children’s Benefit by Zurich Life and Critical Illness

    Zurich's Children’s Benefit provides coverage for policyholders' children until age 22, including:

    • Children’s Critical Illness Cover: Up to £25,000 or 50% of the sum assured for critical illnesses.

    • Children’s Death Benefit: £5,000 payout if the child passes away after 30 days.

    • The policy continues unchanged after a claim, but each child can only claim under one Full Payment condition.

  2. Children’s Conversion Benefit

    Zurich's Children’s Conversion Benefit allows children covered under the policy to start their own Critical Illness Cover or Life Cover and Critical Illness policy between ages 16 and 22. They can receive coverage up to £25,000 or 50% of the sum assured on the parent's policy without needing to disclose personal circumstances if they haven't made a claim under the parent's policy.

  3. Multi-Fracture Cover

    Zurich's Multi-Fracture Cover offers financial protection for fractures, dislocations, ruptured tendons, or torn ligaments. Depending on the location of the injury, policyholders can receive payouts of £2,000, £4,000, or £6,000, with a maximum payout of £6,000 per policy year. This benefit is available from age 16 to one day before the 64th birthday and automatically ends on the day before the 70th birthday. Exclusions apply to certain activities like sports, and claiming under this benefit does not affect other policy cover.

  4. Milestone Benefit

    Zurich's Milestone Benefit allows policyholders to increase their coverage within 90 days of significant life events such as moving house, getting married, or having a child. There's no need to disclose changes in health or personal circumstances, and the policyholder must be 54 years or younger to make this change. The maximum increase in coverage is capped at the lower of the original sum assured, or £200,000.

  5. Separation Benefit

    Zurich's Separation Benefit allows policyholders with joint policies who undergo separation, divorce, or dissolution of their civil partnership to cancel the joint policy and start individual policies without providing additional details about their health or personal circumstances.

What are Some Alternative Ways For NRIs to Get Critical Illness Cover? 

You can get critical illness coverage in term insurance from India, by buying an NRI term insurance in the UK and adding the critical illness rider to the base plan. Here is how you can buy the term insurance with critical illness cover from India:

Step 1: Visit the Policybazaar Term Insurance for NRIs in India page 

Step 2: Fill out your details like Name, gender, date of birth, and email address

Step 3: Select the right options for annual income, occupation type, smoking habits, and educational qualifications

Step 4: Choose the most suitable Policybazaar NRI term insurance and proceed to pay

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