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Critical Illness Insurance in UAE

What if, one day, things suddenly stopped going according to plan and you were diagnosed with a critical illness? Your health insurance would provide some assistance with medical bills but what about daily bills? Bills such as rent, children education fees, grocery will not stop. If you are unable to work whilst receiving treatment, paying your day-to-day expenses can become a major problem.
Critical Illness insurance in Dubai, UAE, pays out a lump sum of cash when you are diagnosed with a critical illness. It buys you peace of mind knowing that if the worst should happen, you and your family would be financially stable. This means you can focus on your recovery without worrying about your financial situation.
Critical Illness Insurance in UAE


At Platinum, we recommend our clients to take long-term Critical Illness coverage complemented with Life Insurance which will ensure that the clients have the resources available to help with recovery in an event from a serious illness. Critical illness insurance can put your mind at ease. Unlike Medical Insurance, your critical illness policy will make a one-off payment. This payout can be used to pay for critical medical services/procedures that might otherwise be unavailable. This payout can also be used to pay for your mortgage, rent, or debts. Alternatively, you may choose to use your payout to make necessary alterations to your home, such as wheelchair access, should you need it. We offer our services to people in Dubai, Abu Dhabi, Sharjah, Ajman, Umm Al-Quwain, Fujairah & Ras Al Khaimah, and the entire UAE
  1. Aorta graft surgery – for disease and trauma
  2. Aplastic anaemia – resulting in permanent symptoms
  3. Bacterial meningitis – resulting in permanent symptoms
  4. Benign brain tumour – resulting in permanent symptoms
  5. Blindness – permanent and irreversible
  6. Cancer – excluding less advanced cases
  7. Cardiomyopathy
  8. Coma – resulting in permanent symptoms
  9. Coronary artery bypass grafts – with surgery to divide the breastbone
  10. Creutzfeldt-Jakob disease – requiring continuous assistance
  11. Deafness – permanent and irreversible
  12. Dementia (including Alzheimer’s disease) before age 65 – resulting in permanent symptoms
  13. Ductal carcinoma in situ of the breast – with specific treatment (partial payment)
  14. Encephalitis
  15. Liver failure – end stage
  16. Lung disease – end stage/respiratory failure – of specified severity
  17. Heart attack – of specified severity
  18. Heart failure
  19. Heart valve replacement or repair – with surgery to divide the breastbone
  20. HIV infection – caught in a specified country from a blood transfusion, a physical assault or work in an eligible occupation
  21. Kidney failure – requiring dialysis
  22. Loss of independent existence – resulting in permanent symptoms
  23. Loss of hands or feet – permanent physical severance
  24. Loss of speech – total, permanent and irreversible
  25. Major organ transplant
  26. Motor neurone disease – resulting in permanent symptoms
  27. Multiple sclerosis – with persisting symptoms
  28. Open heart surgery – with surgery to divide the breastbone
  29. Paralysis of limbs – total, permanent and irreversible
  30. Parkinson’s disease before age 65 – resulting in permanent symptoms
  31. Primary pulmonary arterial hypertension – resulting in permanent symptoms
  32. Stroke – with permanent symptoms
  33. Systemic lupus erythematosus – of specified severity
  34. Third-degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area
  35. Traumatic head injury – with permanent symptoms
  36. Children’s critical illness

Full list of critical illnesses as per Zurich International Life Limited.

Other Life Insurance Products

Whole Of Life

Provides a guaranteed sum assured payable on the life assured’s passing with an investment element, which builds up a cash value as well.

Term Life

Provides a guaranteed sum assured payable on the life assured’s passing during a given point in the policy term.

Endowment Plan

Provides a sum assured should the life assured pass during the policy term or a maturity value should the life assured survive the policy term.

Business Keyman Protection

Provides a sum assured payable to the business should any high-ranking employees pass away during the policy term to assist with any financial responsibilities for the business.

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