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1-month’s premium free on life insurance with critical illness plan

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Critical Illness Protection

1-month’s premium free on life insurance with critical illness plan

Secure your family’s future with life insurance that includes critical illness

Don’t wait to get life insurance until you really need it. Leaving things to chance, especially with a family, is a risk you shouldn’t take. Our plans make sure your family’s taken care of, even if you no longer can.

Important Note

In compliance with the precautionary measures set by the authorities to ensure public health and safety, our internal processes have been realigned to carry out your banking transactions. You can execute your transactions, via your registered email and registered phone number, wherever it is applicable.

In some cases, a requirement for medical examination to complete the particular Life Insurance application may no longer apply. However, if you are required to undergo a medical examination, please be guided on the following:

  • Home visit service for medical examination has been temporarily suspended, as per the directives of Dubai Health Authority.
  • To comply with the above guideline, Zurich’s dedicated medical staff are available for appointments at designated clinics.
  • Your Relationship Manager or Insurance Specialist will be able to support you in booking such appointments.

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FAQs

  • Why do I need critical illness cover?

    Critical illness cover goes beyond life insurance, to protect you and your family from the impact of illnesses such as cancer or a heart attack with financial security.
    It covers situations such as:

    • Unable to work from illness
    • Adapting to disability
    • Support while recovering in hospital.
  • What is the best plan for me?

    Futura gives you coverage for the rest of your life.

    International Term Insurance is set for a specific term (5-35 years) – useful to cover your children’s school years, for example.

  • What are the available plans?

     

    • Futura gives you coverage for the rest of your life.
    • International Term Insurance is set for a specific term (5-35 years) – useful to cover your children’s school years, for example.
  • How much will it cost?

    Get critical illness coverage with:

    • International Term Assurance: USD 200/month or or USD 2,400/year
    • Futura: starting USD 750/month
  • Can I adjust my premium payments / details if my circumstances change?

    Yes. Discuss it with your Relationship Manager and you can adjust your plan.

  • Can I customise my plan?

    Yes, there are a range of options depending on the plan you choose, such as the ‘waiver of premiums benefit and children’s critical illness benefit.

Terms and conditions

  • Coverage for Critical Illness in Futura and International Term Assurance policies will only take effect 90 days post issuance of the said policy.
  • The promotion is not valid with other offers, privileges or promotions unless otherwise stated.
  • This promotion is valid from 20 February 2020 till 31 December 2020 (both days included), unless otherwise specified.
  • The Bank may vary, modify, add, delete or otherwise revise any of the terms and conditions governing the promotion.
  • The Bank reserves the right to determine at its sole and absolute discretion all matters arising out of or in connection with the promotion, including your eligibility for the Gifts and/or promotion and/or the amount of interest that you are entitled to receive. The Bank’s determination of all matters relating to this promotion shall be final and conclusive.
  • Only regular premium life insurance products are eligible for this promotion (Global Choice, Futura & International Term Assurance (ITA). The Wealth Accumulation Plan is excluded from this offer.
  • PRODUCT PREMIUM FREQUENCY MINIMUM PREMIUM REQUIREMENT
    Global Choice Futura Monthly USD 750
    International Term Assurance Monthly USD 200
    International Term Assurance Annual USD 2,400
    • For a Quarterly premium of USD 2,400, 2nd month’s equivalent premium of USD 800 will be credited to the customer’s account post the free look period (Formula would be USD 2,400/3 = USD 800).
    • For a Semi-Annual premium of USD 6,000, 2nd month’s equivalent premium of USD 1,000 will be credited to the customer’s account post the free look period (Formula would be USD 6,000/6 = USD 1000)
    • For an Annual premium of USD 24,000, 2nd month’s equivalent premium of USD 2,000 will be credited to the customer’s account post the free look period (Formula would be USD 24,000/12 = USD 2,000

Disclaimer

Insurance Products: These products are subject to individual risk profile and product suitability which is determined through completion of Customer Investment Profile and/or Insurance Financial Needs Analysis. Standard Chartered Bank does not offer insurance advice, nor does it underwrite or issue insurance policies. Insurance products are underwritten by third party insurance providers. An early termination of the policy usually involves surrender charges. In some instances the returns you may receive could be less than the premiums you have contributed. Standard Chartered Bank shall not be responsible for insurance provider’s actions or decisions, nor shall Standard Chartered Bank be liable regarding payment of claims or services under the policy/insurance contract or in any manner whatsoever regarding your application or the contract of insurance.