Insurance policies are crucial in securing one’s future in the dynamic financial planning landscape. Zurich Futura, a comprehensive life insurance solution, provides financial protection and offers myriad additional benefits to enhance its value for policyholders. Let’s explore the additional benefits that make Zurich Futura stand out in life insurance.
Accidental Death Benefit:
Provides a cash payment in addition to the insured life coverage amount if the insured individual passes away due to an accident.
Critical Illness Benefit:
- Zurich Futura offers a cash sum when diagnosed with critical illness or on the completion of the medical procedure as prescribed under the policy. Hence, the insurer is issued a critical illness claim before the life cover sum insured claim. Therefore, in the event of a life cover sum insured claim, the overall insured sum is eventually reduced or terminated.
- The additional benefit that you can avail in the Zurich Futura is the cancer illness benefit for the children. This additional benefit starts from the child’s first birthday and terminates right one day before the child turns 19. The child will get an insured sum of a minimum USD of 15,000 or a critical illness sum of 10% when diagnosed with cancer illness or falls under the critical illness definition during the medical procedure. The insurer can claim three times upon this benefit and only once per child.
- Hence, it is also to be noted that a valid claim for a child’s illness under the critical illness benefit for children does not reduce the overall policy value or insured sum life cover.
Cancer Coverage:
- Zurich Futura offers a cash sum when diagnosed with cancer illness listed in the terms and conditions of our policy or upon completing the medical procedure as prescribed under the policy. Hence, the insurer is issued a cancer illness claim before the life cover sum insured claim. Therefore, in the event of a life cover sum insured claim, the overall insured sum is eventually reduced or terminated.
- The additional benefit you can avail in the Zurich Futura is the critical illness benefit for the children. This additional benefit starts from the child’s first birthday and terminates right one day before the child turns 19. The child will get an insured sum of a minimum USD of 10,000 or a critical illness sum of 10% when diagnosed with cancer illness. The insurer can claim three times upon this benefit and only once per child.
- Hence, it is also to be noted that a valid claim for a child’s illness under the cancer illness benefit for children does not reduce the overall policy value or insured sum life cover.
Dismemberment Benefit:
Provides a sum of the amount if the insured individual experiences the loss of sight or limb due to an accident, as outlined in the Policy Terms and Conditions.
Family Income Benefit:
Offers a series of regular payments upon the death of the relevant insured individual for the remaining duration of the chosen benefit term. The policyholder selects the coverage period and commences at the policy’s inception.
Fixed-Term Income Benefit:
Offers a sequence of regular payments in the event of the insured individual’s death before age 70. The policyholder chooses the duration of benefit payments and begins upon our acceptance of the date of death claim.
Hospitalization Benefit:
Becomes payable when the insured individual is hospitalized for a consecutive period of 4 days or more.
Permanent And Total Disability:
Issues a lump sum payment if the insured individual is diagnosed as permanently disabled according to the Policy Terms and Conditions definitions. A valid claim for permanent and total disability does not reduce the sum insured for life cover.
Waiver Of Premium:
Guarantees that we will cover the policy premiums if an insured individual is completely incapacitated due to illness or accident, as per the definitions in our Policy Terms and Conditions. It ensures the policy can proceed as initially planned.
Zurich Futura emerges as the best life insurance in Dubai solution that goes beyond traditional coverage, offering a range of additional benefits that truly distinguish it in the market. Zurich Futura is not just an insurance policy; it is a shield that evolves with the policyholder’s life. It offers peace of mind, financial security, and unwavering support during life’s unexpected turns. Choosing Zurich Futura is one of the investment plans in Dubai which offers a commitment to a resilient and adaptable financial future.
