Zurich YourCare

• single life policy
  
• you can apply for Zurich YourCare if you are above the age of 18 and up to 49 years old
  
• a UAE Resident (at point of sale)³
  
• you are an existing customer of HSBC Bank Middle East Limited 

Provides you with cover that will pay⁴ a cash sum if:

• you are diagnosed with Cancer during the term of the policy, or
  
• if Plus cover option is chosen, Zurich will pay you a cash sum if you are diagnosed with a critical illness from the below list during the policy term:
  - Cancer
  - Stroke
  - Renal Failure
  - Heart Attack
  - Aorta Graft surgery
  - Benign Brain Tumor
  - Cardiomyopathy
  - Open Heart surgery
  - Coronary Artery Bypass Graft
  - Heart Valve Replacement
• if Complete cover option is chosen, Zurich will pay you a cash sum if you are hospitalized⁵ for at least 4 days, equivalent to the per week benefit amount multiplied by the duration of the customer’s time in hospital.

The figures are for illustration purposes only. Insurance eligibility and premiums are subject to underwriting.

¹Essential: Cancer only Critical Illness cover,

Plus: Prime Critical Illness benefit covering 10 most common serious illnesses :Cancer
Stroke, Renal Failure , Heart Attack, Aorta Graft surgery, Benign Brain Tumor, Cardiomyopathy, Open Heart surgery, Coronary Artery Bypass Graft ,Heart Valve Replacement.

Complete: Prime Critical Illness benefit covering 10 most common serious illnesses in addition to a hospital cash benefit

²The policy will pay either the selected sum assured or the funeral expense benefit once during the policy term

³The policy will lapse if you become permanently resident in a country outside of the UAE.

⁴Exclusions applicable to Critical Illness and Cancer Cover:

1) if a claim is directly or indirectly attributable to a pre-existing condition. A condition for which the insured received medical treatment, care, advice, or medication within the 12 consecutive month period before the commencement date of coverage; 

2) if the life insured dies within the 30 day Survival Period from the diagnosis of the condition. For the full list of exclusions please refer to the policy T&Cs.

⁵Weekly benefit amount chosen by the customer at outset as part of choice of
Critical Illness cover amount. After a period of hospitalistion that was at least 4 days in duration, the customer makes a claim and is paid an amount of NUMBER OF DAYS IN HOSPITAL X (PER WEEK HOSPITAL CASH BENEFIT / 7). Multiple claims can be made under this benefit up to a cap of 365 paid days per policy, irrespective of number of claims.

The life insurance plans are provided and underwritten by Zurich International Life (Zurich). Product terms and conditions and exclusions apply.

All Life Insurance plans are provided and underwritten by Zurich International Life. This is only general information and does not constitute an offer to buy or sell an insurance product or service. It is also not intended to provide any insurance or financial advice. A person interested in this product should read and consider the Product Brochures, 
Key Features Document, Policy Conditions, Product Summary and Benefit illustration provided by Zurich in deciding whether to buy this product. You can ask for these documents from any of our Branches. Buying a life insurance plan is a long-term commitment. An early termination of the plan usually incurs high cost and the surrender value payable (if applicable) may be less than the total premiums paid.

Product terms and conditions, exclusions and eligibility criteria apply. The terms & conditions applicable to these products will be of Zurich International Life and HSBC will not be responsible for claims, processing or otherwise. For the avoidance of doubt, HSBC does not provide tax advice and you should seek your own external tax advice in relation to this product.