Critical Illness Cover | Zurich

Get critical illness cover for peace of mind

The good news is that the illnesses that used to be fatal are now survivable. However, it makes sense to protect you and your family from the financial fallout, as you'll need time out to recover and that can have a big impact on you and your family.

Boy and grandmother using stethoscope

Why consider critical illness cover?

Critical illness cover pays out a cash sum if you get one of the many critical illnesses covered by the plan – illnesses such as cancer, a heart attack or a stroke (subject to your plan’s terms and conditions). Bear in mind, not all conditions are covered.

A cash sum can help remove some of the financial and emotional stress associated with a critical illness – to enable you to take the time off work, to help pay for specialist treatment and help cover day- to-day household bills such as childcare or to pay for that once in a lifetime big holiday.

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Why get critical illness cover with Zurich?

Add critical illness cover when you buy your Zurich life insurance for greater peace of mind.

  • Trust us, we'll pay out all valid claims. Our statistics speak for themselves - in 2016, we paid out 90% of our critical illness claims.

  • We cover 85 critical illnesses including cancer, heart attack and stroke. For more details about the illnesses and conditions, read 'Your guide to your cover'.

  • Covers your children too. We realise the financial cost as well as the emotional cost of a child suffering a critical illness. So, if you have critical illness cover, we'll cover your children too.

  • Free, professional, counselling support for you and your immediate family.

I want life insurance for...

Compare our life plans

Here’s a snapshot of the main features and benefits of each of our life insurance plans.

​Features Level Protection Plan Decreasing Mortgage Cover Plan Income Protection Plan Adaptable Life Plan
    Plan details Plan details   Plan details   Plan details
Apply online Yes Yes  No
(apply through financial adviser)
Pays out when you die (1) Yes Yes  No Yes
Add critical illness cover (2) Yes  Yes No No
Includes terminal illness (3) Yes  Yes No Yes
Type of cover Stays the same or can increase Decreasing in line with mortgage Stays the same or can increase Stays the same or can increase
How long does cover last? Selected number of years Selected number of years Selected number of years Throughout lifetime
Access to counselling services (4)
Yes Yes Yes Yes

(1) Life insurance pays out if you die during the plan's term.

(2) You can add critical illness cover to your life insurance. Critical illness cover pays out if you are diagnosed with a critical illness as defined in your plan's key facts document.

(3) If you are diagnosed with a terminal illness during the plan's term and not expected to live for more than 12 months, your life insurance will pay out.

(4) We offer a range of confidential telephone based customer counselling services surrounding basic lifestyle events – such as legislative and taxation enquiries, family and work-related issues including relationship problems, financial difficulties, stress and anxiety, substance abuse and bereavement.

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