including Cancer, Heart Attack, Stroke, Bypass Surgery, Renal Failure, Coma, Paralysis, Loss of Limbs, Major Organ Transplant and Multiple Sclerosis.
We all have people we care about, and it’s human nature that we want to protect them even when we’re not around.
The Union Insurance Life Insurance policy is perfectly tailored to support your loved ones meet their financial commitments, whether they include mortgage repayments, school fees, unpaid debt or other expenses. Our comprehensive coverage is designed to provide your family with firm support through every contingency.
Your health matters. Managing finances after being diagnosed with a critical illness is often difficult, if you don’t have the right insurance solution, which is why it’s always a good idea to protect yourself preemptively. When it comes to a serious ailment, it is crucial to receive support as soon as possible. Smart Critical Illness policy benefits are paid on the first occurrence of any of the covered critical illnesses.
including Cancer, Heart Attack, Stroke, Bypass Surgery, Renal Failure, Coma, Paralysis, Loss of Limbs, Major Organ Transplant and Multiple Sclerosis.
applicable 24x7 during the policy term.
for any diagnosis of a critical illness mentioned under the policy terms or not specifically excluded by the policy.
with the added comfort of a fixed premium and a hassle-free annual payment mode.
that doesn’t require medical tests or examinations
An experienced operations team to implement processes and programs that ensure helpful solutions, tailored to our clients’ specific needs.
A strong technical and analytical underwriting (UW) team with rich experience in risk assessment and analysis, to help both individuals and employees purchase health insurance products.
A dedicated client services team that fulfills our client-centric approach through its dedication to providing support to clients, incorporating their feedback.
A highly experienced claims team that develops and executes a highly efficient claims process without delay.
Within 30 days from the date of diagnosis of the critical illness.
In the event of a death, documents should be submitted within 90 days unless an extension has been provided by the company.
Individuals between the ages of 18 and 60, holding a valid United Arab Emirates residence visa. Please note the plan will be terminated when you reach the age of 65.
A lump sum payment on the diagnosis of a covered critical Illness, or one not excluded under the terms of the policy. The illnesses covered include:
Yes. If you find the plan does not suit you, you may request a cancellation through the Free Look Cancellation Form which is provided with your policy. It should be signed by policyholders and received by us within the free-look period, i.e. 30 days from the policy commencement date. Please note that while you will receive a full refund, Union Insurance reserves the right to decline a second application should you change your mind.
The date on which Union Insurance receives your signed application form with the receipt for the first premium payment. You will, of course, receive an acknowledgement.
Yes, but only in the following situations:
This plan is independent of any other critical illness policies you hold.
The life assured or their legal representative.
You can cancel the policy anytime, and 50% of the unearned premium shall be refunded for the remaining months of cover.
Payments are made in annual instalments.
UIC's private health insurance offers you both choice and flexibility to help you find a healthcare plan that suits your requirements perfectly, as well as those of your family. From diagnosis to medical treatment, our coverage is carefully designed to secure your health and with it, your peace of mind.
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