Zurich’s 2025 Claims Report: A Wake-Up Call for the Uninsured

When a father doesn’t come home one evening...
Or a mother’s heart suddenly stops without warning...
Or a friend, who always seemed strong, hears the words, “It’s cancer.”

These aren’t just events. They’re disasters.

Moments of sudden disruption—tearing the fabric of life, leaving families to pick up the pieces.

They derail futures, shatter plans, and leave loved ones reeling.

Yet so many of us pretend...

“It won’t happen to us.”

🚨 According to Zurich’s claims report 2025:

🚗 6% of all death claims are from road accidents. (10% for men, 8% for women.) Many of these could have been avoided. These are people who left for work or errands and never returned home.

Source: Zurich-claims-report-2025

💔 Heart attack and stroke claims for women have jumped 50% since 2020. Smoking and stress are major contributors.

“We dug a little deeper into this and figured out that smoking as an incident has gone up in women,” said Shilpa Chitanand, Head of Retail Distribution - Zurich.

A recent study by the University College of London indicated that there is a much higher risk of heart-related ailments in smoking women as compared to smoking men. And as far as lifestyle changes are concerned, we are quite inactive in the hustle of life today.

👉 Ladies & Gents—smoking is not cool at all.

Image Source: www.usatoday.com

🏥 Half of all deaths are from cancer or heart disease. This isn’t just a number—it’s a call to action.

📊 Critical illness claims far exceed death claims. The average age for a critical illness claim is 55, with many claims from people in their 30s and 40s—when responsibilities and financial pressures are at their highest.

💰 Zurich has paid over USD 241 million in claims over the last three years. 98% of all life claims were paid out.

💡 From My Experience as a Financial Advisor

In 13 years, I’ve seen the patterns. I’ve helped many clients claim for critical illnesses—heart attack, stroke, and cancer. These are survivors, dealt a tough hand, but they came out strong on the other side. At least money wasn’t a worry for them.

Fortunately, I’ve never had to process a death claim, and I hope I don’t have to for a very long time...

This tells me:

🔹 The probability of critical illness is much higher than death.
🔹 The average age for these claims is 55—when responsibilities and financial dependencies are at their peak: mortgages, kids, aging parents.
🔹 Some claims come from people in their 30s and 40s—proof that it’s never “too early” to prepare.

• A heart attack doesn’t wait for you to finish paying the mortgage.
• Cancer doesn’t care about who you are and what responsibilities you have 
• A car crash doesn’t come with a warning.

🛡️ Here’s What You Can Do Today

• Get coverage. Not just life insurance—critical illness cover that helps when you’re still here, still fighting.

• Prioritize your health. Move more and stretch more and Quit smoking. Eat well. Get checkups.

• Create a Financial plan. It gives your future plans a framework and structure

• Talk to your family. Sit down. Discuss what happens if life changes overnight.

If the disaster strikes—you’ll not be unprepared.

📊 Zurich’s Latest Claims Report (Detailed)

Here’s a closer look at the detailed claims data for the Middle East (2022–2024):

• Total Claims Paid: USD 241 million
• Life Claims Paid: 98% of all life claims were paid out
• Critical Illness Claims: Far outnumber death claims, with leading causes including cancer (51%), heart attack and stroke (23%), and others (18%)
• 72 hrs. Average time to pay a claim. 
• Zurich have paid claims in 73 countries. 

🔎 Take your first step today, start here.

Let’s make a plan together. I’m here to help you secure a protection plan that fits your life, and give you the clarity you need to move forward.

📅 Book your free consultation today. Let’s make sure your family’s future doesn’t depend on hope, but on action.

🔗 Click here to schedule your consultation now.