critical illness Insurance

PROTECT YOUR FAMILY’S FUTURE

If you were to become seriously ill, would your family be able to cope financially?

Critical Illness Insurance pays out an assured sum in the event that you are diagnosed with a specified illness during the term of the policy. We can identify the best deal for your personal circumstances and needs.

Call us on +971 4 396 1878 or use the button below to get a free no-obligation quote.

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Critical Illness Insurance

What is Critical Illness Insurance?

Critical illness cover pays out when you fall ill with a listed condition. So if you take out a 25-year policy with a sum insured of $200,000 only to develop cancer soon after, you would be able to claim the money. In effect, this type of policy offers a financial lifeline in times of family crisis.

You can spend the money however you wish. You could use it to clear debts, pay medical costs or bills, or adapt your home to your particular needs.

Which illnesses or conditions are covered?

The list of conditions varies between providers. Critical Illness Insurance often covers diseases such as:

Cancer, a Heart Attack or Heart Failure, Alzheimer’s Disease, Parkinson’s Disease, Stroke, Deafness, Kidney or Liver Failure and many more.

Give yourself the best chance to recover from these major traumatic events and minimise the financial disruption to you and your family.

critical illness cover

Do I need Critical Illness Insurance?

The need for critical illness insurance has increased in line with life expectancy. The longer we live, the more likely we are to battle illness, and this means incurring increased expenses that can seriously deplete your personal savings quickly.

If you answer ‘no’ to any of the following questions, you should consider arranging a protection plan that can help if your circumstances should change.

  • Would your employer support you financially if you were being treated for a serious illness?

  • Would your loved ones be able to financially maintain their lifestyle if you were unable to work?

  • Could you cover your monthly outgoings such as rent, a mortgage or car payments if you became seriously ill and unable to earn a living?

  • Would your children be able to fully complete their education if you we unable to help fund it?

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Are there other options to consider?

Yes, quite a few in fact. Let’s take a look.

  • You can get a Joint Policy by including your spouse or partner when creating your policy.

  • You can opt to include Term Life Insurance, so that you’ll receive a pay-out if you were to pass away during the term of the policy.

  • You can opt to include Total & Permanent Disability Benefit (TPD), so that you’ll receive a pay-out on the diagnosis of a total and permanent disability.

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What about Whole Life Insurance?

Whole Life Insurance offers coverage for the full lifetime of the insured. Premiums go toward both maintaining the policy’s death benefit and allowing the policy to build a cash value at a guaranteed rate.

The policy owner can borrow funds against that cash value or, in some instances, withdraw cash from it outright to help meet needs such as paying for a child’s college education or covering medical expenses.

IAE INSURE can help you choose the level of cover suited for your personal circumstances and needs.

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Why get Insurance through IAE INSURE?

We’ll find the right policy for your needs

We work with the leading Insurance providers and underwriters in the UAE so that we can tailor the best policy for your unique circumstances and needs.

Request a free no-obligation call back

Our fully qualified and highly experienced Life Insurance advisers are always happy to provide a free no-obligation quote and their expert advice.

Speak with us at a time that suits you.

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Hear from our recent customers:

IAE Insure are thoroughly professional and know the insurance market inside out to get you the best available deal.

John L. / Dubai
Jayne H.

Great service! Excellent customer experience. I would highly recommend their life insurance service to anyone.

Jayne H. / Dubai
Alexander T.

Process is painless and I honestly got a much better life insurance deal than expected. Highly recommended.

Alexander T. / Dubai
Lara W.

Everything was done fast and in an efficient way over email. The staff are friendly and will follow up with you.

Lara W. / Dubai
Richard S.

IAE Insure provided fabulous customer service, simply amazing! Thank you and keep up the excellent work.

Richard S. / Dubai
Mark W.

Great value for money and cost effectiveness with the options given. The after sales follow-up is appreciated.

Mark W. / Abu Dhabi

What do I need to get a free quote?

To get a free no-obligation Insurance quote, you’ll need to provide us with a few details, including:

  • Date of birth

  • Lifestyle habits, including whether you smoke

  • The type of policy you want

  • How long you want the cover for

  • How much cover you want

Call us on +971 4 396 1878 or use the button below to get a free no-obligation Insurance quote.

Get a free quote

Frequently Asked Questions (FAQ)

When's the best time to get covered?

The earlier you take out a Critical Illness Insurance policy the cheaper the policy is likely to be. This means it’s more efficient in the long run and it means that as soon as you get married or have any dependants they’re immediately protected.

Should I get Critical Illness & Life Insurance?

You can make your critical illness insurance cheaper by combining it with or buying it alongside normal life insurance. Some insurers do not even sell standalone critical illness cover. It is worth noting that there is normally only one pay-out, so if you make a claim for a critical illness, your family would not receive a further pay-out on death.

Most premiums are fixed, but some companies offer what are known as reviewable premiums – which have lower starting premiums that could rise during the policy term.

IAE Insure can quote you for both types of cover.

How many pay-outs am I covered for?

Most policies pay out only once, but some policies allow for a small payment if you are diagnosed with a less severe illness.

Your policy would then continue and, in theory, you could make a further claim down the line should you be diagnosed with a critical, more serious condition or illness.

Can I get cover if I've had health problems?

Everyone situation is unique, and as such every policy is underwritten for that individual and their circumstances. While personal and family health history is one of many key price indicators (along with current health, age and smoking habits), it doesn’t in any way prevent you from receiving quotes. Our experts have helped many happy applicants with pre-existing conditions and health challenges and have enabled them to obtain Critical Illness and Life Insurance that suits them.

Ready to get a free Critical Illness Insurance quote?

Protect what matters most to you. Get your free no-obligation quote now.

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