Critical Illness

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Why Zurich Critical Illness?

While it’s easier to explain the importance of life cover, one scenario people often overlook is what would happen if they were diagnosed with a critical illness.

Critical illness cover gives your client a financial cushion to help them absorb the impact of a serious illness. It pays a single lump sum if they’re diagnosed with one of the conditions covered by their policy. It does this as soon as possible after their diagnosis, so that they have the money to hand while they’re being treated.

They can use this money however they want. It can be used to pay off their mortgage. Or they can live on it and support their family, so they don’t have to go back to work before they’re ready. Above all, it can be used to ease any extra worries at a tough time. That means they can focus on getting better, and on spending time with the people who matter.

We’ve built our critical illness cover in a way that lets your client choose the cover they need, and change it when their life changes.

Zurich Life Protection Platform

  • Summary of cover

    Taking out Zurich Critical Illness or Zurich Critical Illness Select will help support your client through life’s ups and downs. Select is the most comprehensive level of cover we offer, for extra support for them and their family.

    They can choose to add critical illness and critical illness select when they take out their cover.

    Critical illness cover

    In addition to all that’s included in life cover, your client will be covered for:

    • 40 serious conditions
    • 2 additional payment conditions
    • 7 Advanced payments
    • Free critical illness cover during underwriting
    • Free critical illness cover until mortgage completion
     
    Additional benefits that can be added on to the policy at an extra cost:

    • Critical illness select
    • Children’s benefit
    • Total permanent disability
    • Waiver of premium
    • Renewal option
    • Multi-fracture cover

    Critical illness select cover

    In addition to all that’s included in Zurich Critical Illness, your client will be covered for:
     
    • 51 serious conditions
    • 48 additional payment conditions
    • 10 advanced payments
    • 10 benefit uplift payments
    • 5 complications of pregnancy conditions

    Additional benefits that can be added on to the policy at an extra cost:
     
    • Enhanced children's benefit
    • Total permanent disability
    • Waiver of premium
    • Renewal option
    • Multi-fracture cover

    Choose the cover that’s right for your client

    • Choice of life cover or life cover with critical illness (both options include terminal illness)
    • Monthly or annual premiums
    • Guaranteed premiums (unless cover changes or increases)
    • Choice between level, decreasing or increasing cover
    • Increasing cover options of 3%, 5% or RPI
    • Choice of decreasing interest rate between 2% and 18% (at 2% intervals)
  • Details of cover

    Eligibility

    • Minimum premium £5 a month or £50 a year
    • Minimum age at entry 16
    • Maximum age at entry 69
    • Maximum age at end of term 74
    • Minimum term 1 year
    • Maximum term 50 years
    • UK resident

    Included benefits

    Included benefits Description
    40 serious conditions If your client is diagnosed with 1 of 40 serious conditions, including cancer, heart attack, stroke and multiple sclerosis, we’ll pay them their cover amount.
    2 additional payment conditions We’ll pay your client up to £25,000 if they are diagnosed with less advanced cancer of the breast or prostate.
    7 advanced payments If your client is put on a NHS waiting list for 1 of 7 major operations to treat one of these conditions, we’ll pay the cover amount straight away.
    Free critical illness cover during underwriting Cover for up to £150,000 during underwriting.
    Free critical illness cover until mortgage completion Cover for up to £350,000 between exchange of contracts and completion.

    Additional benefits

    Additional benefits Description
    Critical illness select
    • Your client will be covered for a total of 51 serious conditions.
    • If your client is put on a NHS waiting list for 1 of 9 major operations to treat one of these conditions, we’ll pay your client’s cover amount straight away.
    • If your client is put on a NHS waiting list for bowel disease surgery, we’ll pay the additional payment amount straight away.
    • If your client is diagnosed with 1 of the 10 life-changing conditions included in the cover before your client’s 50th birthday, we’ll pay up to £100,000 on top of your client’s cover amount.
    • Your client will be covered for 48 additional payment conditions, including type 1 diabetes and less advanced cancers.
    • If your client is diagnosed with 1 of 5 complications of pregnancy conditions before the age of 45, we’ll pay £5,000.
    Children’s benefit

    If your client adds children’s benefit to their critical illness policy – whether they’re natural, step or adopted, they will be covered for the following:

    • Covered from birth to their 22nd birthday.
    • Covered for the 42 conditions under critical illness.
    • £5,000 children’s death benefit (from 30 days to 22nd birthday).
    • Each child can take out a policy of their own up to £25,000 of cover after their 16th birthday free of underwriting.
    Enhanced children’s benefit

    If your client chooses critical illness select and wants to add children’s benefit they will get enhanced children’s benefit.

    • Covered from birth to their 22nd birthday.
    • Covered for 99 conditions under critical illness select plus 6 child specific conditions.
    • £5,000 children’s death benefit (from 24th week of pregnancy to 22nd birthday).
    • Each child can take out a policy of their own up to £25,000 of cover after their 16th birthday free of underwriting.
    • Double the child’s benefit amount up to a maximum of £50,000 if the child is diagnosed with cancer or requires overseas treatment for any of the covered conditions.
    Total permanent disability

    We’ll pay your client their cover amount if they can't do their current job ever again before their 60th birthday, because of illness or injury.

    Waiver of premium

    We’ll pay the premiums on the policy if your client is too ill or injured to work for more than 6 months and they can’t perform their current job. For joint policies, this benefit can be added for either or both lives assured.

    Multi-fracture cover

    If your client breaks a bone, dislocates a joint, ruptures their Achilles tendon or tears a cruciate ligament in their knee, we could pay them up to £6,000 each policy year. For joint policies, this benefit can be added for either or both lives assured. Find out more on the Multi-fracture cover page.

  • Flexibility

    We’ve built our products in a way that lets your clients choose the level of cover they want, and change it when their life changes. And we’ve made it much easier to do. So where we can, we’ve made it possible for you to make changes without having to go through underwriting and asking your clients questions about their health, or changes in their personal circumstances.

    As an adviser you will have the ability to make changes to your client’s personal protection policy. You can access this through our online adviser portal.

    Milestone benefit

    A lot can happen between the day your client takes out critical illness cover and the day they need to make a claim. They might get married, have a child, change jobs or get a promotion. They’ll need cover that reflects these changes.

    When significant events happen, your client can change their sum assured using the milestone benefit without answering any questions about their health. If your client uses the milestone benefit, their premiums will change.

    The significant events are:

    icon Mortgage

    Take out a mortgage or increase the mortgage they already have

    icon Become a parent

    Starting a family

    rings Marriage

    Get married or enter a civil partnership

    icon Pay rise

    Get a pay rise of 10% or more

    icon Separation

    Divorce, separate or dissolve a civil partnership

    The maximum increase your client can make to their sum assured is the lower of their original sum assured or £200,000.

    This benefit must be used within 90 days of the significant life event and can only be used if your client is 54 years old or younger.

    Policy changes requiring underwriting

    • Increase the sum assured
    • Increase the policy term
    • Change from critical illness to critical illness select
    • Add waiver of premium
    • Add total permanent disability
    • Review the premium if your client previously smoked

    Policy changes not requiring underwriting

    • Reduce the sum assured
    • Reduce the policy term
    • Change from critical illness select to critical illness
    • Add/remove children’s benefit
    • Remove waiver of premium
    • Remove total permanent disability
    • Remove renewal option
    • Remove increasing cover
    • Change the rate on increasing cover
    • Increase/reduce interest rate
    • Add/remove multi-fracture cover

    Did you know?

    Your client can make changes to their policy at specific points during the term.

    To find out more, take a look at our Flexibility of cover guide.

  • Additional support

    Zurich Support Services

    Zurich Support Services is so much more than just a counselling service. We understand that there are things going on at home that can affect your client’s work-life, and also things that are going on at work that affect their personal life. Zurich Support Services aim to help them achieve a positive work-life balance.

    Talk to the team about anything at any time

    Your client can talk to them about anything, from daily worries to major life events. Even if the team can’t help on the call, they can point them in the direction of someone who can. Here are just some of the things people pick up the phone to talk about:

    iconDaily worries

    • Looking for a job
    • Paying back debts
    • Managing household bills
    • Checking consumer rights

    iconBig life events

    • Planning a wedding
    • Facing separation or divorce
    • Dealing with bereavement or loss
    • Moving to a new house

    icon Emotional support

    • Coping with anxiety or depression
    • Living with illness or disability
    • Revisiting life goals
    • Asking about therapy

    iconWork

    • Dealing with pressure or stress
    • Balancing work with a private life
    • Facing bullying or harassment
    • Understanding employment rights

    Zurich Support Services are available to your client 24 hours a day 365 days a year and can be used from the moment they take their policy out.

    Find out more

  • Making a claim

    If your client needs to make a claim, or someone needs to make a claim for them, they’ll have a lot going on, so we’ve made it as easy as we can. They’ll have their own dedicated claims specialist who’ll be with them every step of the way.

    For critical illness claims

    Call us on: 0370 243 0827 

    Or email: technicalclaims@uk.zurich.com


    For more information on making a claim, visit our claims page.

  • Reasons why paragraphs

    Below are a selection of reasons why paragraphs for you to use in letters to your clients.

    Why Zurich?

    We agreed that confidence in whoever is going to provide your protection solution is important to you. With this in mind, I’m able to provide some background information about Zurich which reflects their standing in the market.

    Zurich Protection provides you with range of ways to protect yourself and your family against the financial impact of death, critical illness or loss of income through illness or injury. Zurich have built their products in a way that lets you choose the level of protection you need, and change it when your life changes.

    Zurich is a leading insurer that serves its customers in global and local markets. With about 54,000 employees, it provides a wide range of general insurance and life insurance products and services in more than 210 countries and territories. Zurich’s customers include individuals, small businesses, and mid-sized and large companies, as well as multinational corporations.

    Personal Protection - Critical illness

    You should also add Zurich Critical Illness to your life policy, which would pay this cover amount as a lump sum if you are diagnosed with one of 40 of their critical illness conditions which includes cancer, heart attack and stroke. It would also pay an additional payment on one of 2 additional payment conditions during the policy’s term.

    You would, at any time, be able to upgrade to Zurich Critical Illness Select which includes an increased total of 51 critical illness conditions and 49 additional payment conditions along with other benefits.

    Personal Protection - Critical illness select

    You should add Zurich Critical Illness Select to your life policy, which would pay this cover amount as a lump sum if you are diagnosed with one of 51 of their critical illness conditions including cancer, heart attack, stroke and mental illness. It would also pay an additional payment on 49 additional payment conditions during the policy’s term. 

    Of these 100 conditions, 10 benefit from advanced payments and 10 are eligible for uplifted payments.

    Personal Protection - Children's benefit

    You should add children’s benefit to your critical illness cover. Zurich would pay a lump sum if your natural, step or adopted children are diagnosed with one of 40 of their critical illness conditions which includes cancer and stroke. It would also pay an additional payment on one of 2 additional payment conditions during the policy’s term. 

    Your children would be covered from birth to their 22nd birthday, with the ability to take out a policy of their own of up to £25,000 of cover after their 16th birthday. The policy also includes a £5,000 child death benefit.

    Personal Protection - Enhanced children's benefit

    You should add enhanced children’s benefit to your critical illness select cover. Zurich would pay a lump sum if your natural, step or adopted children are diagnosed with one of 99 of their critical illness conditions including cancer and type 1 diabetes. In additions they would be covered for 6 child specific conditions including cerebral palsy and cystic fibrosis. 

    Your child’s benefit amount would be doubled up to a maximum of £50,000 if they are diagnosed with cancer or require overseas treatment for any of the covered conditions.

    Your children would be covered from birth to their 22nd birthday, with the ability to take out a policy of their own of up to £25,000 of cover after their 16th birthday. The policy also includes a £5,000 child death benefit.

     

    Personal Protection - Total permanent disability

    You should add total permanent disability to your personal protection policy. With this benefit Zurich will pay your cover amount if you can't do your current job ever again before your 60th birthday, because of illness or injury.

    Personal Protection - Waiver of premium

    You should add waiver of premium to your personal protection policy. With this benefit Zurich will pay the premiums on your policy if you’re too ill or injured to work for more than 6 months and you can't perform their current job.

    Personal Protection - Renewal option

    You should add the renewal option to your personal protection policy. This will allow you to extend your current policy with the same terms when your cover ends without answering any questions about your personal circumstances.

    Multi-fracture cover

    You should add Zurich Multi-fracture Cover to your policy. If you were to break a bone, dislocate a joint, rupture your Achilles tendon or tear a cruciate ligament in your knee, Zurich could pay you up to £6,000 per policy year. There is no limit to the amount of claims you can make and you’ll receive either £2,000, £4,000 or £6,000 depending on your injury. 

    Flexibility

    As we discussed, it’s important that your protection fits in well with your life. Zurich have built their products in a way that lets you choose the level of cover you want, and change it when your life changes. So where they can, Zurich have made it possible for you to add or remove benefits without having to answer questions about your health, or changes in your personal circumstances.

    Additional support

    With a Zurich policy, you will have access to Zurich Support Services, an independent team of counsellors, advisers and legal experts. They offer support in the following ways:

    • Free and confidential health and wellbeing service
    • Impartial help and support on a wide range of issues
    • An independent service provided by Zurich’s partner, Workplace Options
    • Up to six sessions of professional counselling
    • Not just available at claims stage – your can use this throughout the lifetime of your policy
    • Available to you and your family with no limit on queries or issues

    Zurich Support Services is available to your client, and their family, 24 hours a day 365 days a year and can be used from the moment they take their policy out.

  • Documents

Claims

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Need to make a claim on behalf of your client?

Underwriting

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Our expert underwriting team deal with each case individually

Tools and calculators

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We've created a range of tools to support you

F&TRC 2018 protection product ratings

F&TRC ratings are independent protection product ratings awarded to insurance providers. The medals are awarded based on the overall proposition of the protection providers as well as a range of underlying categories.

Zurich select Critical Illness
Zurich Core Critical Illness