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.
#All savings and online discounts are provided by insurers as per IRDAI approved insurance plans | Standard Terms and Conditions Apply
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.
Term Plans
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.
Secure Your Family Future Today
₹1 CRORE
Term Plan Starting @
Get an online discount of upto 10%#
Compare 40+ plans from 15 Insurers
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
The following can be covered under the Zurich Life Insurance plan:
Individual or Self
Joint or Spouse
Children (optional)
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
Here is the full Zurich critical illness list covered under the policy:
| 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 |
| Less advanced cancer of the breast | Less advanced cancer of the prostate |
Here are the several additional benefits available under the Zurich Critical Illness Insurance:
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.
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.
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.
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.
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.
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
†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
Liverpool Victoria Life Insurance Company is one of the top
Read more
Over 50 life insurance is a type of life insurance policy
Read more
Mortgage protection insurance (MPI) is a type of income
Read more
Vitality Life Insurance offers comprehensive coverage designed
Read more
Aviva Critical Illness Life Insurance provides comprehensive
Read moreInsurance
Calculators
Payment Methods
Secured With
Follow us on
