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. 

Choose between cancer only cover, 10 critical illnesses (including cancer) or 10 critical illnesses and hospital cash benefits.

This policy will pay a cash sum if you're diagnosed with cancer during the policy term. Exclusions apply.

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

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.[@yourcarehospitalisation].

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 expenses[@yourcarepaysum] if the policy owner dies during the policy term and no critical illness claim was made. 

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.

Already bank with us? Log on to online banking to start your application with Zurich. 

1. Log on to online banking and select 'Apply for YourLife and YourCare' from the menu, under 'Quick links'
2. Select 'Continue' and you'll be redirected to Zurich's website
   
3. Select 'YourLife' if you're applying for term insurance, or 'YourCare' for critical illness cover
   
4. Enter your basic details and the type of cover you need to get a quote
   
5. Add the policy holder and beneficiary's details, then complete the eligibility questions
   
6. Upload your Emirates ID and complete your face verification
   
7. Pay your premium using a credit or debit card. Your policy will be sent to you once you're finished