Zurich Futura Critical Illness List - Updated with details

This post provides the updated Zurich Futura Critical Illness List.

What is Critical illness Benefit?

The 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

For those who are unable to get the critical illness benefit due to pre existing conditions, they may apply for a Cancer Cover. it Provides a lump sum amount if the life insured is diagnosed with one of the cancers covered by the policy  conditions, or undergoes a medical procedure covered under the policy.

Like Critical Illness Benefits, Cancer claims are also paid as an advance of the life cover sum insured, so in the event of a claim the life cover sum insured will be appropriately reduced 

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