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Zurich Insurance in Dubai offers life insurance products and savings plans. Zurich Insurance plans also include an option for coverage in the event of critical illness. The provider’s team will also work with potential customers with pre-existing conditions to find coverage solutions.
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Are you trying to get all of your insurance needs in Dubai squared away? Pacific Prime has you covered, so keep reading.
In this article, we will explain the basics of life insurance offerings from Zurich Insurance in Dubai and how a broker can help you through every stage of your insurance decision. If you’re ready to start your insurance purchase, compare insurance quotes for a more personalized estimate here.
If you’re still looking for assistance with your healthcare needs in Dubai, check out our information about healthcare and medical insurance in Dubai. If you’re ready to compare insurance quotes for a more personalized estimate, use our free quote tool.
Zurich Insurance in Dubai
Zurich Insurance has more than 150 years of experience in the insurance industry and an outstanding track record of paying 98.1% of life insurance claims in the last three years. Zurich also offers specialized support for life insurance customers in Dubai.
Denied claims from Zurich insurance are because of false claims or undisclosed health conditions. To avoid these denials, only file legitimate insurance claims and don’t hide or lie about any medical history.
Plan Options from Zurich Insurance in Dubai
Zurich Insurance offers a variety of coverage options in Dubai such as critical illness protection, term assurance, Futura flexible life and disability insurance, as well as saving plans. Explore in details about Zurich Insurance’s offerings in Dubai below:
Zurich’s Critical Illness Protection Plan
Critical Illness Protection through Zurich Insurance in Dubai pays a lump sum when you are diagnosed with a serious medical condition like organ failure, cancer, or heart attack. This lump sum is intended to help you cover living expenses while you are being treated and while in recovery.
This is a term insurance product. That means you must pay regular premiums and renew your policy accordingly for coverage.
Coverage with Critical Illness Protection includes:
- Lump sum payment for serious illness
- Terms of 5 years up to 35 years
- Select whether you want comprehensive critical illness coverage or more limited coverage for specific types of cancer
- Certain coverage benefits for children’s critical illness at no additional cost
Uncovered circumstances with Critical Illness Protection:
- Unpaid premiums disqualify you from being able to file claims
- You become ill before your policy begins or after the coverage ends
- Claims that do not meet the conditions set forth in your policy
- Any evidence of dishonesty on your application, including information about your health and lifestyle
Zurich’s Term Assurance Plan
Term assurance is a life insurance policy that pays out in the event of your death. The cash lump sum paid out upon death depends on your policy coverage amount. There are two types of Term assurance products through Zurich: International Term Assurance and International Decreasing Term Assurance.
Coverage with term assurance policies include:
- Options for coverage if you pass away
- Options to cover you in the event of critical illness
- Coverage options range from short-term up to 35 years
- Payment to beneficiaries like a loved one or a bank if you have a mortgage or other loan
Policy exclusions with term assurance policies:
- Unpaid premiums will result in denied claims
- Death before or after the policy term is in effect
- Self-inflicted injuries and suicide in the first year of the policy
- Dishonesty on your application can result in denied claims
Zurich’s International Term Assurance (ITA) Plan
International Term Assurance (ITA) pays a lump sum amount upon death during the policy term as long as you have paid your premiums. The ITA lump sum benefit amount remains the same for the duration of the life insurance policy.
Zurich’s International Decreasing Term Assurance (ITDA) Plan
International Decreasing Term Assurance (ITDA) pays a lump sum amount upon the policyholder’s death to the selected beneficiary. The ITDA lump sum benefit amount decreases over the term of the policy at a rate selected by the policyholder.
International Decreasing Term Assurance is appropriate when you need to cover a specific loan debt in the event of death.
Futura
Futura is a flexible life insurance and disability insurance product available in Dubai through Zurich Insurance. Coverage is available for death, disability, or critical illness. Claims are paid out as a lump sum.
Premiums with the Futura plan are invested in funds of your choosing. The value of these funds is then used to cover your insurance benefit costs. You can choose a premium payment structure as short as 7 years or as long as 50 years.
Futura has the longest coverage option because it can cover you for your entire lifetime or only for a specific timeframe. You can get coverage for the rest of your life by making premium payments for as little as 10 years.
Coverage Exclusions with Futura:
- Claims will not be covered if you fail to pay your premiums as agreed
- Self-inflicted injuries and suicide during the first year of your policy
- Dishonesty during the application process
- Withdrawal of policy value or a balance of zero
Savings Plans through Zurich Insurance
Zurich Insurance also offers savings plans to its customers in Dubai. These savings plans include Simple Wealth, Wealth Accumulation Plan, Regular Savings Plan, and Global Choice.
Using a Broker to Purchase Insurance in Dubai
Anytime you purchase an insurance product in Dubai or anywhere else in the world, work with an insurance broker to secure free advice and the best policy terms for your situation. Insurance brokers can work with clients in the insurance area of specialty.
Pacific Prime is an international health insurance expert. We provide advice and comparison services to clients for free. We partner with top insurance partners so that we can offer our clients the best deal from a wide range of products.
A broker offers additional support and advice between their clients (you) and their insurance partners.
Brokers can specialize in insurance products ranging from home and auto to life insurance or medical insurance. You’ll find top-notch and trustworthy brokers in every insurance industry.
Additional Resources for Expats in Dubai
Don’t miss all of the great guides and advice gathered by Pacific Prime to benefit expats in Dubai! Pacific Prime offers up-to-date blog posts with information geared toward the needs of clients like expats.
Don’t miss the Best Places for Expats to Live in Dubai or the Best Places for Expats to Live in Abu Dhabi.
Need a job in Dubai? Consult our guide for finding a job as an expat in this Emirate. We also have job search advice tailored for Americans, Canadians, and citizens of the United Kingdom who are job hunting in Dubai.
Need more information about the cost of living in Dubai? How about the average price of rent in Dubai? Check out What to Expect–Living in Dubai.
Frequently Asked Questions
Is Zurich Insurance International?
Zurich Insurance provides insurance products and related services in more than 215 countries and territories. Zurich Insurance provides contact information for regional locations around the world. Customers include individuals and corporations.
Does Zurich still exist?
Zurich Insurance Group is the new name of what was previously called Zurich Financial Services. The global company still exists and is growing steadily, with hundreds of thousands of clients in more than 215 countries.
How much does life insurance cost in Dubai?
Life insurance costs in Dubai depend on your age, health, term length, benefit amount, and other conditions. For lower rates overall, buy life insurance policies as young as possible and select a term for as long as possible.
Conclusion
Zurich Insurance in Dubai offers life insurance products and savings plans for residents in the UAE and the surrounding region. These plans can help expats continue to make ends meet in the event of death or critical illness abroad.
Don’t forget that you’ll also need health insurance in Dubai! Find out more about the best health insurance companies in Dubai in this blog post, or check out more information about Allianz Insurance in Dubai.
Need information about health insurance in the UAE for visitors? Read this blog post for more information on getting insurance in the UAE as a visitor.
If you have any questions about health insurance and medical coverage for expats in Dubai, contact an insurance expert at Pacific Prime for free support.
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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