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)
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.