About Zurich YourCare
Zurich YourCare is a critical illness term policy that gives you the cover you need if you're diagnosed with a specific, serious medical condition during your policy term. It's different to medical insurance, which usually covers general medical expenses.
What you get with a Zurich YourCare policy
A high level of cover
Get cover between AED 500,000 to AED 1,000,000.
No medical test
Get covered in 3 easy steps online, with no need to take a medical test. Once your policy is issued, any claims will follow the policy terms.
Flexible terms
Choose cover for 5 or 10 years.
What's covered
Choose between cancer only cover, 10 critical illnesses (including cancer) or 10 critical illnesses and hospital cash benefits.
Essential
This policy will pay a cash sum if you're diagnosed with cancer during the policy term. Exclusions apply.
Plus
This policy will pay a cash sum if you're diagnosed with 1 of the 10 most common serious illnesses during the policy term. Exclusions apply.
- Cancer
- Stroke
- Renal failure
- Heart attack
- Aorta graft surgery
- Benign brain tumour
- Cardiomyopathy
- Open heart surgery
- Coronary artery bypass graft
- Heart valve replacement
Complete
This policy will pay a cash sum if you're diagnosed with 1 of the 10 most common illnesses, and an additional hospital cash benefit if you're hospitalised for at least 4 days. Exclusions apply.Footnote link 1.
On all cover options, you'll get AED 50,000 of cover for children's cancer and a Medical Second Opinion service. You'll also get AED 20,000 to cover funeral expensesFootnote link 2 if the policy owner dies during the policy term and no critical illness claim was made.
What's not covered
Exclusions applicable to Critical Illness and Cancer Cover are:
- 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
- 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.
Premium example
| Profile | Coverage Requirements | YourCare Essential premium |
|---|---|---|
| 35 year-old age next birthday, male and non-smoker | Sum assure of AED500,000 up to age 45 | Annually: AED1,629 Daily: AED4.5 |
| 35 year-old age next birthday, female and non-smoker | Sum assure of AED500,000 up to age 45 | Annually: AED1931 Daily: AED5.3 |
| Profile | 35 year-old age next birthday, male and non-smoker |
|---|---|
| Coverage Requirements | Sum assure of AED500,000 up to age 45 |
| YourCare Essential premium | Annually: AED1,629 Daily: AED4.5 |
| Profile | 35 year-old age next birthday, female and non-smoker |
| Coverage Requirements | Sum assure of AED500,000 up to age 45 |
| YourCare Essential premium | Annually: AED1931 Daily: AED5.3 |
Things to know
Who can apply?
You can apply for Zurich YourCare if you:
- Live in the UAE when you apply Footnote link 3
- Are aged 21 to 49
- Want cover for 1 person (the policy owner can only insure 1 life at any time)
- Already bank with HSBC Bank Middle East Limited
Get started
Already bank with us? Log on to online banking to start your application with Zurich.
- Log on to online banking and select 'Apply for YourLife and YourCare' from the menu, under 'Quick links'
- Select 'Continue' and you'll be redirected to Zurich's website
- Select 'YourLife' if you're applying for term insurance, or 'YourCare' for critical illness cover
- Enter your basic details and the type of cover you need to get a quote
- Add the policy holder and beneficiary's details, then complete the eligibility questions
- Upload your Emirates ID and complete your face verification
- Pay your premium using a credit or debit card. Your policy will be sent to you once you're finished
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Additional information
- Weekly benefit amount chosen by the customer as part of their chosen Critical Illness cover. After at least 4 days in hospital, the customer makes a claim and is paid an amount which equals the number of days in hospital multiplied by the weekly hospital cash benefit. Multiple claims can be made under this benefit up to 365 paid days per policy, irrespective of number of claims.
- The policy will pay either the selected sum assured or the funeral expense benefit once during the policy term.
- The policy will lapse if you become permanently resident in a country outside the GCC.