This post provides the updated Zurich Futura Critical Illness List.
Zurich Futura Critical Illness Benefit protects loss of income due to a major illness or loss of independent existence.
What does it do?
The Critical Illness Benefit pays a cash sum if you are diagnosed with one of the defined illness or disabilities. Or if you undergo a medical procedure covered by your policy( Major Organ transplant). The claim payment is made as a single lump sum.
Entry Age: The Entry age for this benefit is between 18 and 59. Most of the critical illnesses are covered until age 95.
Deferment Period: Zurich Futura Critical illness benefit has a deferment period of 90 days. Which means that this benefit does not start until 90 days from the date of risk commencement or the policy start date.
Maximum Amount: The maximum amount of critical illness benefit available on Futura is the lower of $1,250,000 or the life cover selected.
Inclusive Benefit: The Critical Illness Benefit on Zurich Futura is an inclusive benefit, which means that the amount of critical illness claim paid, reduces the life cover to that extent.
For Eg: If a UAE resident has a Zurich Futura with $500,000 life cover and $400,000 critical illness cover. If they are paid a claim of $400,000 on the diagnosis of a critical illness, their life cover will come down to $100,000, after deducting the critical illness claim.
Subsequently, in the event of death, their beneficiary will receive $100,000 as a death claim.
Full list of critical illnesses - (Click here to view a detailed critical illness guide)
- Aorta graft surgery – for disease and trauma.
- Aplastic anaemia – resulting in permanent symptoms.
- Bacterial meningitis – resulting in permanent symptoms
- Benign brain tumour – resulting in permanent symptoms
- Blindness – permanent and irreversible
- Cancer – excluding less advanced cases
- Coma – with permanent symptoms
- Coronary artery bypass grafts – with surgery to divide the breastbone
- Creutzfeldt-Jakob disease – requiring continuous assistance
- Deafness – permanent and irreversible
- Dementia (including Alzheimer’s disease) before age 65 – resulting in permanent symptoms
- Ductal carcinoma in situ of the breast – with specific treatment (partial payment)
- Liver failure – end stage
- Lung disease – end-stage/respiratory failure – of specified severity
- Heart attack – of specified severity
- Heart failure
- Heart valve replacement or repair – with surgery to divide the breastbone
- HIV infection – caught in a specified country from a blood transfusion, a physical assault or work in an eligible occupation
- Kidney failure – requiring dialysis
- Loss of independent existence – resulting in permanent symptoms
- Loss of hands or feet – permanent physical severance
- Loss of speech – total, permanent and irreversible
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis – with persisting symptoms
- Open heart surgery – with surgery to divide the breastbone
- Paralysis of limbs – total, permanent and irreversible
- Parkinson’s disease before age 65 – resulting in permanent symptoms
- Primary pulmonary arterial hypertension – resulting in permanent symptoms
- Stroke – with permanent symptoms
- Systemic lupus erythematosus – of specified severity
- Third-degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area
- Traumatic head injury – with permanent symptoms
- Children’s critical illness