LIFE & CRITICAL ILLNESS INSURANCE IN UAE

What is Critical Insurance Plan?

A critical illness Insurance policy provides financial security against some specific life-threatening diseases such as cancer, heart attack, kidney failure and so on. This smart term plan provides financial security to their family in case of the unexpected demise during the term plan tenure. A Critical Illness Plan in UAE covers a lump sum that can be used for the treatment expenses.

Critical illness pack is one of the Best Financial Planning in Dubai, which provides safety against serious illnesses such as paralysis, heart attack, organ transplant, cancer, bypass surgery, coma, kidney failure, stroke and so on.

The sum will be certainly paid out as lump sum post-hospitalization.

  1. In general, a multi-day grace period will be applicable after diagnosis, with compensation being paid out on endurance during this period.

  2. Over a specific age limit, pre-medical check-ups required for individuals

  3. Daycare treatments can likewise be covered, wherein treatment, for example, dialysis that should be possible within a couple of hours will be covered.

  4. Previous diseases are not covered in this medical coverage plan; however, most insurers permit coverage for prior ailments on consummation of a specific time of continuous premium installment

  5. Most insurers will have a roll of cashless system emergency clinics where treatment can be benefited without the instalment of money


Why Critical Illness Policy is much important?

Personal financial planning is depending on the one of Top priority is family welfare and security. Knowing that feature will be taken care whether we are there not. Life Insurance plans are most important for every individual life it will protect Childers future and family financial security.
Generally there two plan are available under the life and critical illness plan

  1. Term Insurance Plan
  2. Whole of life Insurance Plans

Whole of life Insurance Plans:

A whole life policy provides a set amount of coverage for your entire life. As long as you pay premiums, your beneficiary will receive the benefit amount upon your death. Whole life policies also build up "cash value" from part of the premium being invested. It's possible to access that cash value as the funds grow.

  1. Flexible in premium payment
  2. Premiums can increase and decrease any time
  3. In case of emergency partial withdrawals available
  4. The life cover can increase and Decrease any time
  5. We can add the additional benefits any time during the policy.
  6. Over the plan gives the more flexible

There are 3 best Whole of life Insurance Plan Available in UAE.

1. Zurich Futura - Whole of life Insurance Plan

Futura is a Whole of life insurance policy , Worldwide cover and it gives the life cover and Critical illness Cover up to age of 95 Years.
Under this Plan both options are available.

  1. Single life Plan
  2. Joint life Plan

Covers as standard; Life cover, free terminal illness benefits and free aeroplane cover.In addition, Futura offers a number of below optional covers including:

  • Critical Illness Benefit
  • Cancer Cover
  • Permanent and Total Disability Benefit
  • Family Income Benefit
  • Fixed Term Income Benefit
  • Accidental Death Benefit,
  • Dismemberment Benefit
  • Hospitalisation Benefit
  • Waiver of Premium benefit
  • Free Second medical opinion

2. Metlife Future Protect - Whole of life Insurance Plan.

Future Protect is a Whole of life insurance policy it gives the life cover and Critical illness Cover up to age of 95 Years.
Under this Plan both options are available

  1. Single life Plan
  2. Joint life Plan

Covers as standard; Life cover, free terminal illness benefits and free aeroplane cover.In addition, Futura offers a number of below optional covers including:

  • Critical Illness Benefit
  • Permanent And Total Disability Benefit
  • Accidental Death Benefit
  • Dismemberment Benefit
  • Waiver Of Premium Benefit

3. Salama Hyat Plus - Whole of life Insurance Plan

Worldwide Coverage till Age 100.Customize the benefits as per your life requirement by choosing from a wide choice of Optional Benefits such as:

  • Accidental Death Benefit
  • Permanent And Total Disability
  • Critical Illness
  • Family Income Benefit
  • Hospital Cash Benefit
  • Waiver Of Contribution
  • Accidental Total Or Partial Permanent Disability
  • We are here to help you to calculate the available Life Insurance Plans in UAE which is suitable for your insurance needs.

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