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Written by Money Mata - aka - Damodhar Mata
on July 22, 2014

This post provides the updated Zurich Futura Critical Illness List.

What is Critical illness Benefit?

Zurich Futura Critical IllnessThe critical illness benefit of Zurich Futura, aims to protect loss of income due to a major illness or loss of independent existence.

It pays a cash sum if you are diagnosed with one of the defined illness or disabilities; Or if you undergo a medical procedure covered by your policy (Major Organ transplant). The claim payment is made as a single lump sum.

Click here to read the detailed review of Futura

Entry Age: The Entry age for this benefit is between 18 and 59. Most of the critical illnesses are covered until age 95.

Deferment Period: Zurich Futura Critical illness benefit has a deferment period of 90 days Which means that this benefit does not start until 90 days from the date of risk commencement or the policy start date.

Maximum Amount: The maximum amount of critical illness benefit available on Futura is the lower of $1,250,000 or the life cover selected.

Inclusive Benefit: The Critical Illness Benefit on Zurich Futura is an inclusive benefit, which means that the amount of critical illness claim paid, reduces the life cover to that extent.

For Eg: If a UAE resident has a Zurich Futura with $500,000 life cover and $400,000 critical illness cover. If they are paid a claim of $400,000 on the diagnosis of a critical illness, their life cover will come down to $100,000, after deducting the critical illness claim.

Subsequently, in the event of death, their beneficiary will receive $100,000 as a death claim.

Full list of critical illnesses - (Click here to view a detailed critical illness guide)

  1. Aorta graft surgery – for disease and trauma.
  2. Aplastic anaemia – resulting in permanent symptoms.
  3. Bacterial meningitis – resulting in permanent symptoms
  4. Benign brain tumour – resulting in permanent symptoms
  5. Blindness – permanent and irreversible
  6. Cancer – excluding less advanced cases
  7. Cardiomyopathy
  8. Coma – with permanent symptoms
  9. Coronary artery bypass grafts – with surgery to divide the breastbone
  10. Creutzfeldt-Jakob disease – requiring continuous assistance
  11. Deafness – permanent and irreversible
  12. Dementia (including Alzheimer’s disease) before age 65 – resulting in permanent symptoms
  13. Ductal carcinoma in situ of the breast – with specific treatment (partial payment)
  14. Encephalitis
  15. Liver failure – end stage
  16. Lung disease – end-stage/respiratory failure – of specified severity
  17. Heart attack – of specified severity
  18. Heart failure
  19. Heart valve replacement or repair – with surgery to divide the breastbone
  20. HIV infection – caught in a specified country from a blood transfusion, a physical assault or work in an eligible occupation
  21. Kidney failure – requiring dialysis
  22. Loss of independent existence – resulting in permanent symptoms
  23. Loss of hands or feet – permanent physical severance
  24. Loss of speech – total, permanent and irreversible
  25. Major organ transplant
  26. Motor neurone disease
  27. Multiple sclerosis – with persisting symptoms
  28. Open heart surgery – with surgery to divide the breastbone
  29. Paralysis of limbs – total, permanent and irreversible
  30. Parkinson’s disease before age 65 – resulting in permanent symptoms
  31. Primary pulmonary arterial hypertension – resulting in permanent symptoms
  32. Stroke – with permanent symptoms
  33. Systemic lupus erythematosus – of specified severity
  34. Third-degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area
  35. Traumatic head injury – with permanent symptoms
  36. Children’s critical illness

To know more about Zurich Futura Critical illness benefit, please call me at +97150-2285405 or Register to arrange a Free Initial Meeting.

Click Here to Arrange a Free Consultation

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