| Features | |
|---|---|
ADCB - Critical Guard Insurance
|
Features: No Salary Transfer, Protection Against Illness, Unlimited Tenor Cover |
Safeguard your and your family’s future with cover for 37 critical illnesses. Being diagnosed with a critical illness takes more than a physical and emotional toll; it also impacts your finances. That’s why we are introducing Critical Guard through ADCB. An insurance solution to protect you and your family, so you can continue to focus on what really matters, your health.
Features & Benefits:
- Lump sum cash benefit up to AED 350,000
- Unlimited tenor cover till age of 65 years
- Easy application process with no medical requirements*
- Protection against up to 37 critical illnesses
|
Cover Eligibility and Features |
|
|
Minimum Age at Entry |
20 years last birthday |
|
Maximum Age at Entry |
59 years last birthday |
|
Maximum Age at Maturity |
65 years last birthday |
|
Plan Term* |
10 years, Renewable till age of 65 years |
|
Minimum Sum Assured |
AED 100,000 |
|
Maximum Sum Assured |
AED 350,000 |
|
Sum Assured Payout |
Immediate (28 days after diagnosis) |
|
Waiting Period |
90 days from the date of policy commencement |
|
Fee Look Period |
30 days from issuane of policy |
|
Scope of Cover |
Worldwide |
|
Currency |
AED |
|
Payment Method |
Direct debit through ADCB account or through ADCB Credit Cad |
|
Payment Frequency |
Annually or Monthly |
|
Cover Options |
||||||
|
Age Group |
Annual Premium (AED) |
|||||
|
100,000 |
150,000 |
200,000 |
250,000 |
300,000 |
350,000 |
|
|
20-29 |
270 |
400 |
525 |
650 |
800 |
925 |
|
30-39 |
625 |
950 |
1225 |
1525 |
1825 |
2150 |
|
40-49 |
1300 |
1950 |
2600 |
3250 |
3875 |
4525 |
|
50-54 |
1900 |
2825 |
3800 |
4700 |
5650 |
6600 |
|
55-59 |
2375 |
3600 |
4750 |
5950 |
7125 |
8300 |
|
Cover Options |
||||||
|
Age Group |
Monthly Premium (AED) |
|||||
|
100,000 |
150,000 |
200,000 |
250,000 |
300,000 |
350,000 |
|
|
20-29 |
25 |
35 |
45 |
55 |
70 |
80 |
|
30-39 |
55 |
80 |
105 |
130 |
155 |
180 |
|
40-49 |
110 |
165 |
220 |
275 |
325 |
380 |
|
50-54 |
160 |
240 |
320 |
395 |
475 |
550 |
|
55-59 |
200 |
300 |
400 |
500 |
595 |
695 |
|
Critical Illness Covered |
|
| 1. Cancer | 21. HIV through blood transfusion |
| 2. Heart attack | 22. Occupationally acquired HIV |
| 3. Stroke | 23. Poliomyelitis |
| 4. Coronary Artery Bypass surgery | 24. Meningitis |
| 5. Kidney failure | 25. Encephalitis |
| 6. Major organ transplant | 26. Cardiomyopathy |
| 7. Heart valve surgery | 27. Aplastic anemia |
| 8. Aorta graft surgery | 28. Primary pulmonary hypertension |
| 9. Multiple Sclerosis | 29. Systemic Lupus Erythematosus |
| 10. Parkinson’s disease | 30. Major head trauma |
| 11. Motor neuron disease | 31. End stage lung disease |
| 12. Paralysis | 32. Terminal liver insufficiency |
| 13. Loss of limbs | 33. Creutzfeld-Jacob disease |
| 14. Blindness | 34. Progressive Scleroderma |
| 15. Coma | 35. Apallic syndrome |
| 16. Loss of hearing | 36. Severe myocarditis |
| 17. Loss of speech | 37. Progressive Supranuclear Palsy – resulting in permanent symptoms |
| 18. Severe burns | |
| 19. Loss of one limb and loss of one eye. | |
| 20. Benign brain tumor | |
*Terms & Conditions apply
Disclaimer:
This Product is offered by Orient Insurance PJSC for ADCB Clients and is subject to their approval. Insurance Products are made available to clients on request, based on an analysis of their needs. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (ADCB) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies. ADCB is not responsible for rejected applications or claims by any insurance company. Premiums received by ADCB for insurance plans are not bank deposits. Please refer to adcb.com for product Terms and Conditions. This web-page is for information purposes only and does not constitute an offer or solicitation to purchase insurance products.
