Personal Accident Insurance

Your Policy. Our Promise.

Zurich Insurance Middle East S.A.L

Welcome
Thank you for choosing to purchase your personal accident
insurance from Zurich.
We have 140 years experience of protecting our customers against the unexpected,
and we pride ourselves on providing high quality insurance solutions in more than
170 countries.
Zurich has been serving customers in the Middle East for over 25 years. Our
commitment to the region has seen us develop our business in Oman, Kuwait,
Lebanon, Bahrain and the UAE.
As a Zurich customer, youll benefit from being with one of the leading and most
secure financial services groups in the world. Our global expertise combined with
our regional understanding means that you can be sure you will benefit from
products and services tailored to your individual needs.
We hope you are happy with the your policy and look forward to having the
opportunity to be your preferred insurance provider for many years to come.

Contents
Making a claim............................................................................................................ 5
Personal accident insurance cover................................................................................ 6
Part 1: Definitions........................................................................................................ 7
Part 2: Important information...................................................................................... 9
Part 3: Benefits and covers.........................................................................................10
Part 4: General exclusions...........................................................................................14
Part 5: General conditions..........................................................................................17
Part 6: General provisions...........................................................................................18
Part 7: Our complaints procedure...............................................................................24

Making a claim
Please notify us within thirty days of any occurrence likely to give rise to a claim.
If you wish to make a claim, please contact us on:

800 ZURICH (987 424)

Alternatively, you can email us at:

claims.me@zurich.com

Personal accident insurance cover

Individual
Benefit

Bronze

Silver

Gold

Platinum

Accidental Death

100,000

250,000

500,000

1,000,000

Accidental Death
(common carrier)
Permanent Partial
Disablement
Permanent Total
Disablement

500,000

1,250,000

2,500,000

5,000,000

110,000

275,000

550,000

1,100,000

110,000

275,000

550,000

1,100,000

Individual & Spouse

Benefit

Bronze

Silver

Gold

Platinum

Accidental Death

100,000

250,000

500,000

1,000,000

Accidental Death
(common carrier)
Permanent Partial
Disablement
Permanent Total
Disablement

500,000

1,250,000

2,500,000

5,000,000

110,000

275,000

550,000

1,100,000

110,000

275,000

550,000

1,100,000

Benefit

Bronze

Silver

Gold

Platinum

Accidental Death

100,000

250,000

500,000

1,000,000

Accidental Death
(common carrier)
Permanent Partial
Disablement
Permanent Total
Disablement

500,000

1,250,000

2,500,000

5,000,000

110,000

275,000

550,000

1,100,000

110,000

275,000

550,000

1,100,000

Family

Part 1: Denitions
Certain words have specic meanings when they appear in this policy.
These meanings are shown below or in the section where they apply.
They are printed in bold type. Any other words not appearing in the
denition section will follow the English language denition:
Accident a sudden, unforeseen and unusual specic event that happens
unexpectedly caused solely and directly by violent, external and visible means
which occur at an identiable time and place resulting in injury and which is
the sole and direct cause of accidental death or disablement.
Accidental death loss of life due to an accident as determined by a
physician/medical practitioner.
Beneciary The person or persons nominated by the insured person as stated
on the policy schedule, if not mentioned then the beneciary will be the legal
heirs of the insured person.
Children/child Biological off-springs, legally adopted or fostered children of the
insured person who are not in full-time employment, unmarried, not pregnant,
without children, primarily dependent on the insured person for support and who
are between the ages of three (3) months and eighteen (18) years. Or under twenty
three (23) years of age if a full time student
Close relative Spouse, parent, parent-in-law, grandparent, son or daughter,
son or daughter-in-law, brother or sister, brother or sister-in-law, grandchild,
legal guardian, children or anc(e) of the insured person.
Country of residence Your normal place of residence or dwelling in the
United Arab Emirates of which you are a citizen or hold a valid resident status as
of the time of the policy issuance.
Excess The rst amount of any claim for which you are responsible to pay for
any one event. Or the amount we will subtract from any covered loss that we pay.
Or the time period during which any claim will not be paid. If claims are made under
two or more covers, for loss or damage caused by the same insured incidence at the
same time, excess shall apply for each section as stated in the policy schedule.
Family The insured person, spouse and unlimited dependent children.
Injury Bodily injury sustained in an accident directly and independently of all
other causes.
Insurance period The date specied in your policy schedule.

Insured person/you/your/yours Each person specied as an eligible person in the

policy schedule and for whom the appropriate insurance premium has been paid
and accepted for coverage.
Medical condition The unforeseen and emergent occurrence of symptoms for a
disease, illness or injury which, unless treated immediately by a physician, may lead
to death or serious impairment of your health.
Paraplegia Permanent loss of use of both legs and the permanent loss of use of
part of or whole of the lower half of the body.
Permanent total disablement Disablement which for fty two (52) consecutive
weeks immediately following an accident entirely prevents the insured person from
attending their usual occupation if employed. Or if not employed, from attending
employment of any and every kind. Disablement at the end of that time should be
beyond reasonable hope of improvement, total, continuous and permanent.
Permanent partial disablement Disablement which for fty two (52) consecutive
weeks immediately following an accident prevents the insured person from
attending their usual occupation at full physical capacity if employed. Or if not
employed, from attending employment of any and every kind at full physical capacity.
Partial disablement at the end of that time should be beyond reasonable hope of
improvement, total, continuous and permanent.
Physician/medical practitioner A person other than the Insured person or close
relative of the insured person, who is qualied by degree in western medicine and
legally authorized in the geographical area of his/her practice to render medical and
surgical services.
Policy schedule All policy documents issued by us outlining information and policy
details such as, but not limited to, terms and conditions, premium, covers/benets
and limits, enclosed cover(s), extensions, exclusions and conditions, along with any
endorsements issued.
Pre-existing medical conditions The insured person received medical treatment,
diagnosis consultation or prescribed drugs, or medical condition for which the
insured person is on a waiting list for hospital in-patient treatment. Or an ongoing
or recurring medical condition for which medical advice or treatment was
recommended by a medical practitioner within a two (2) year period preceding the
original inception of the policy.
Public common carrier Any mechanically propelled conveyance operated by a
company or an individual licensed to carry passengers for hire, including but not

limited to aircraft, bus, coach, ferry, hovercraft, hydrofoil, ship, train, tram or
underground train.
Quadriplegia Permanent loss of use of both arms and both legs.
Spouse A person who has a legitimate marital contract to the insured person as
recognized by United Arab Emirates laws between the ages of eighteen (18) years
and seventy (70) years.
Sum insured Maximum amount payable under each cover of the policy schedule
as set to be payable by the policys terms and conditions.
We/us/our/ours Zurich Insurance Middle East S.A.L.

Part 2: Important information

Conditions and exclusions
There are conditions and exclusions which apply to individual sections of the policy
and general conditions and exclusions which apply to the whole policy. Please make
sure that you read these as well as the cover shown in each section.

Eligibility
To be eligible for this insurance:
You must be a valid resident of the United Arab Emirates; and
have a valid business, employment or residency visa in the United Arab Emirates;

Age limit
You must be between the ages of eighteen (18) years and seventy (70) years at the
commencement date of this policy.

Chosen plan
There are four (4) available plans to choose from and your policy schedule will show
the plan you have chosen.
You may elect to extend your plan to include your spouse or your family as per
the terms, conditions and limits set forth in this policy and provided the premium is
paid for the appropriate extension and we agree to accept it.

Geographical areas
Unless specically mentioned in the schedule, your cover does not apply to Iraq
and Afghanistan and in countries where war has been declared or after it has
been recognized as a war zone by the United Nations.

Policy information
If you require information or advice on any aspect of this policy please
contact us on 0800 ZURICH (987 424)

Part 3: Benets and Covers

These covers only apply if shown in the policy schedule and up to the maximum
amount shown.

Section A: Accidental death

We will pay the appropriate compensation applicable to the insured person up to
the maximum amount shown on the policy schedule and in accordance with the
percentage stated in the compensation table hereunder, less any other amount paid
or payable under the policy for Section C and/or Section D arising from the same
accident, if, during the insurance period, a covered injury which solely and
independently of any other cause results in death of the insured Person within
fty two (52) consecutive weeks after the date of the accident.
Subject to the following extensions: Under this section, we extend to pay;
Disappearance clause: If the body of the insured person has not been found
within fty two (52) consecutive weeks after the date of the disappearance and
a death certicate issued from the country of residence ofcials due to
disappearance, sinking or wrecking of the aircraft or other public common carrier
in which the insured person was travelling at the time of the accident and under
such circumstances as would otherwise be covered hereunder, it will be presumed
that the insured person suffered death resulting from an accident covered by
this policy at the time of such disappearance, sinking or wrecking.

Section B: Accidental death (public common carrier)

We will pay the appropriate compensation applicable to the insured person up to
the maximum amount shown on the policy schedule and in accordance with the
percentage stated in the compensation table hereunder, less any other amount paid
or payable under the policy for Section C and/or Section D arising from the same
accident, if, during the insurance period, the insured person suffers an injury
from an accident; when riding solely as a passenger (not as operator, pilot, or crew
member) in or on, boarding or alighting from any public common carrier outside
the country of residence, resulting in death of the insured person within fty two
(52) consecutive weeks after the date of the accident.

Section C: Permanent total disablement due to accident

We will pay the appropriate compensation applicable to the insured person up to
the maximum amount shown on the policy schedule and in accordance with the
percentage stated in the compensation table hereunder, less any other amount paid
or payable under the policy for Section D arising from the same accident, if, during
the insurance period, as a result of a covered injury, and commencing within
fty two (52) consecutive weeks after the date of the accident, an insured person is
totally and permanently disabled and such disability has continued for period of fty
two (52) consecutive weeks. The disability must be total, continuous and permanent
at the end of the period.

Section D: Permanent partial disablement due to accident

We will pay the appropriate compensation applicable to the insured person up to
the maximum amount shown on the policy schedule and in accordance with the
percentage stated in the compensation table hereunder, if, during the insurance
period, a covered injury which solely and independently of any other cause results in
anyone of the events outlined in the compensation table, under permanent partial
disablement, to the insured person within fty two (52) consecutive weeks after
the date of the accident.

Compensation Table
Events
1. Accidental death or accidental death
(public common carrier)
2. Permanent total disablement
A. Permanent paraplegia, quadriplegia or incurable
paralysis of all limbs
3. Permanent partial disablement
A. Permanent total loss of sight of both eyes
B. Permanent total loss of sight of one eye
C. Loss of or the permanent total loss of use of two limbs
D. Loss of or the permanent total loss of use of one limb
(i) Right hand
(ii) Left hand
(iii) One foot
E. Loss of speech and hearing
F. Permanent total loss of hearing in
(i) both ears
(ii) one ear
G.
Loss of speech
H. Loss of or the permanent total loss of use of four ngers
and thumb of
(i) Right hand
(ii) Left hand
I. Loss of or the permanent total loss of use of four ngers of
(i) Right hand
(ii) Left Hand
J. Loss of or the permanent total loss of use of one thumb
(i) both right joints
(ii) one right joint
(iii) both left joints
(iv) one left joint
K. Loss of or the permanent total loss of use of ngers
(i) three right joints
(ii) two right joints
(iii) one right joint

Percentage of
maximum benets
100%
100%
100%
100%
25%
100%
70%
50%
70%
100%
75%
15%
50%

70%
50%
40%
30%
30%
15%
20%
10%
15%
10%
7.50%

 (iv) three left joints

(v) two left joints
(vi) one left joint
L. Loss of or the permanent total loss of use of toes
(i) all one foot
(ii) great both joints
(iii) great joint
(iv) other than great each toe
4. Permanent partial disablement
not otherwise provided for under Event 3.

10%
7.50%
5%
20%
7.50%
5%
2%
Such percentage
of the lump sum
amount as we in our
absolute discretion
shall determine and
being in our opinion
not inconsistent with
the compensation
provided under Event
3. Event 4 is limited
to 75% of the
maximum amount
shown in the policy
schedule.

All covers and benets provided under this policy will be subject to the following
provisions and limitations:
Should more than one (1) of the covers occur from the same accident and/or injury,
the total indemnity payable shall be computed by adding the indemnity payable
corresponding to each cover with 100% as the highest compensation payable.
No indemnity will be paid under any circumstances for more than one of the losses
payable for section A or section B.
The insurance for any insured person under this policy shall terminate upon the
occurrence of any compensation for which total indemnity is 100% payable, but
such termination shall be without prejudice to any claim originating out of the
accident causing such loss.
When a limb or organ which had been partially disabled prior to an injury covered
under this policy and which becomes totally disabled as a result of such injury, the

Percentage of maximum benets payable shall be determined by us having regard

to the extent of disablement caused by the injury. However, no payment shall be
made in respect of the loss of a limb or organ which was totally or partially
disabled prior to the injury.
Total and irremediable functional loss of use of a limb or organ shall be
considered as total loss thereof. For reduced functional use, the percentage of
maximum benets as stated in the compensation table shall be reduced in
proportion to the lost functional use.
If the insured person is left-handed and has specically mentioned this on the
application, the percentages set out above from Events 3(H) 3(K) for the various
disabilities of right hand and left hand will be transposed.
If a claim is payable for loss of or loss of use of a whole part of the body a claim
for any component part of that part cannot also be made.
Compensation to children being limited to 10% of the sum insured and up to a
maximum of AED 90,000 and subject to the Percentage of Maximum Benets as
stated in the Compensation Table.

Part 4: General Exclusions

Applicable to all sections of the policy, we will not cover loss, injury, damage or legal
liability caused by, sustained, or arising directly or indirectly from:
1. Any pre-existing condition, congenital and hereditary condition;
2. Any illegal or unlawful act by the insured person or conscation, detention,
destruction by customs or other authorities;
3. The insured person is not taking all reasonable efforts to avoid injury to
minimize any claim under this insurance;
4. Riding or driving in any kind of motor racing, or engaging in a sport in a
professional capacity or where the insured person would or could earn income
or remuneration from engaging in such sport;
5. Willful or deliberate exposure to danger (except in an attempt to save human life),
suicide or attempt thereat, or intentional self-inicted injury;

6. Insanity, mental or nervous disorders including, but not limited to, anxiety
disorders, eating disorders, psychotic disorders, affective disorders, personality
disorders, substance use disorders, somatoform disorders, dissociate disorders,
psychosexual disorders, adjustment disorders, organic mental disorders, mental
retardation and autism;
7. (a)

any condition under the inuence of alcohol, drugs or narcotics

(unless such drugs or narcotics were administered by a medical practitioner
or unless prescribed by and taken in accordance with the directions of a
medical practitioner);

(b) alcohol abuse, alcoholism, substance abuse, solvent abuse, drug abuse or

addictive conditions of any kind;
(c) an insured person being under the inuence of alcohol with more than the
legal limit of alcohol in his/her blood or breath;
8. Any condition resulting from pregnancy, childbirth or miscarriage, abortion,
pre-natal care as well as post-natal care and other complications arising
therefrom, venereal disease, services and supplies related to the diagnosis or
treatment of infertility or other problems related to inability to conceive a child;
birth control, including surgical procedures and devices;
9. Congenital anomalies and conditions arising out of or resulting there from,
and hernia;
10. Air travel where the insured person is acting as pilot or part of the aircraft crew
other than as a fare-paying passenger on a regular scheduled airline or licensed
chartered aircraft;
11. Flying in any aircraft owned, leased or operated by or on behalf of an insured
person or close relative;
12. Engaging in any kind of occupational activities underground or aerial
photography; handling or requiring the use of explosives; naval, military or
airforce service or operations or armed force services (including being in service
or on duty with or undergoing training with any military or police force, or militia
or paramilitary organization);
13. Any Injury, illness, death, loss, expense or other liability attributable to HIV
(Human Immunodeficiency Virus) and/or HIV-related illness including AIDS and/or
any mutant derivative or variations thereof however caused or however named;
14. Any sexually transmitted or transmissible disease, or infection or virus of any sort
emanating from a sexually transmitted or transmissible disease;

15. Chronic fatigue syndrome or myalgic encephalomyelitis (M.E.) (anticardiolipin

antibody positively);
16. (a) any pre-existing medical condition; or
(b) any cardiac or cardio vascular or vascular or cerebral vascular illness or

conditions or sequelae thereof or complications that, in the opinion of a

medical practitioner appointed by us, can reasonably be related thereto, if
the insured person has received medical advice, treatment or prescribed

medication for hypertension within 2 years prior to the commencement of
the insurance period;
17. Any event arising from war, invasion, act of foreign enemy, hostilities (whether
war is declared or not), civil war, rebellion, revolution, insurrection, labor
disturbance, riot, strike or lockout, military force or coup;
18. Any expenses, consequential loss, legal liability or loss of or damage directly or
indirectly arising from:
ionising radiation or contamination by radioactivity from any nuclear fuel or

from any nuclear waste from the combustion of nuclear fuel;

the radioactive, toxic, explosive or other hazardous properties of any nuclear

assembly or nuclear component;

19. The release, the dispersal or application of pathogenic or poisonous biological or

chemical materials;
20. Deliberate violation of criminal law;
21. Consequential loss of any kind or nancial loss and/or expense not otherwise
specically covered;
22. Any type of adventure sports or extreme adventure sports (such as but not
limited to, sky diving, parachuting, hand gliding, bungee jumping, scuba diving,
mountain climbing, martial arts or all forms of motor racing);
23. Any terrorist act or bomb incident or threat thereof;
24. The intentional use of military force to intercept, prevent, or mitigate any known
or suspected terrorist act;
25. any terrorist or member of a terrorist organization, narcotics trafcker, or
purveyor of nuclear, chemical or biological weapons;
26. Notwithstanding any other terms under this insurance contract, no insurer shall
be deemed to provide coverage or will make any payments or provide any service

or benet to any insured or other party to the extent that such cover, payment,
service, benet and/or any business or activity of the insured would violate any
applicable trade or economic sanctions law or regulation.

Part 5: General Conditions

The following conditions apply to this policy
1. If the same insured person/Family is insured by more than one (1) voluntary
insurance policy underwritten by us and our affiliated companies respectively and
claims for the same cover under such policies due to any one (1) accident or loss,
only the policy with the greatest compensation for the same cover shall apply
and our aggregate liability under such policies shall not exceed the sum insured
of the same cover under the policy with the greatest compensation.
2. The insured person must give us all the documents needed to deal with any
claim. we will not be responsible for any costs involved in doing this.
3. The insured person must agree to have a medical examination if requested by
us. If insured person die, we are entitled to have a post-mortem examination.
4. We may refuse to reimburse you for any expenses for which you cannot provide
receipts, bills or any claim supporting documents deemed necessary to process
the claim.
5. If any claim is covered by any other insurance, we will not pay for more than our
share of that claim.
6. We can, at any time, do the following: Take over the defence or settlement of
any claim. Try to recover expenses or compensation from any other third party at
any time in your name or in the name of anyone else claiming under this policy.
Reserve the right to access any of your current or prior medical records in order
to nalize and/or proceed with the assessment of a claim and/or render medical
assistance. By virtue of this clause, the insured person shall be deemed to have
given us written consent to access any of his/her current or prior medical records.
Additionally any items which become the subject of a claim for damage must be
retained for our inspection and shall be forwarded to our Agents upon request
at your or your legal personal representatives expense. All such items shall
become our property following nal settlement of the claim.

7. No insurance provided by this policy shall become effective as to an insured

person if such insured person is hospital conned, disabled, or receiving
payment for a claim when such insurance would otherwise take effect.
The coverage on such person shall take effect thirty-one (31) days after such
hospital connement or disability terminates, or payment of claim ceases,
whichever is the latter.
8. If a family is insured by this policy, our maximum liability to any one (1) accident
for such family shall not exceed AED 2,270,000 under this policy.

Part 6: General Provisions

The following provisions apply to this insurance
1. Entire Contract
This policy including application, policy schedule, riders, endorsements,
attachments and amendments, if any, will constitute the entire contract between
the parties. No agent or other person has the authority to change or waive any
provision of this policy. No changes in this policy shall be valid unless approved
by us and evidenced by endorsement of amendment.
2. Marketing
Should any discrepancies arise between the policy and any literature received by
the insured person, the terms, conditions, endorsements and exclusions in the
policy will govern in all cases.
3. Third Party
This policy is between us and the insured person only and all of its provisions and
conditions are for the sole and exclusive benet of those parties. Nothing in this
policy, expressed or implied, is intended to confer upon any other person any rights
or remedies of any nature whatsoever under this policy or any of its provisions.
Receipt of benets paid will be a valid discharge of our liability under this policy.
This policy cannot be ceded, assigned or in any way transferred to a third party.
4. Tax or Imposts
The onus will always be on the insured person to ensure, correctly admit and
pay any tax liability in consideration of any benet being paid that may incur tax
or imposts of any nature.

5. Age Limit
The insurance shall apply to an insured person who is eighteen (18) years to
seventy (70) years of age on the commencement date of this policy. When a
family policy is issued, the children must be aged between three (3) months and
eighteen (18) years, Or under twenty three (23) years of age if a full time student
6. Misstatement of Age
If the insured persons age has been misstated, the premium difference would be
returned or charged according to the correct age. In the event that the insured
persons age has been misstated and if, according to the correct age, the coverage
provided by this policy would not have become effective, or would have ceased
prior to the acceptance of each premium or premiums, then our liability during the
period that the insured person is not eligible for coverage shall be limited to the
refund of all premiums paid for the period covered by this policy.
7. Liability

We shall not be liable or responsible for: a) the negligence, wrongful acts and/or
omissions of any legal and/or health care professional or any other person or
persons or legal entity that provide direct or indirect service to the insured
person; b) The failure of any agent or broker to explain adequately the terms,
conditions, endorsements, terminations and exclusions of this policy.
8. Notice of Claims
Written notice of claim must be given to us within thirty (30) days of the date of
the incident causing such loss. In the event of accidental death, immediate
notice thereof must be given to us by the insured persons legal representative.
9. Proof of Loss
Written proof of loss must be furnished to us within thirty (30) days from our
receipt of the claim form provided by us. Failure to furnish such proof within the
time required shall not invalidate any claims if it was not reasonably practicable to
give proof within such time, provided that such proof is furnished as soon as
reasonably practicable, and in no event later than ninety (90) days from the time
when such proof is otherwise required. All certicates, information and evidence
in such form and of such nature and within such time as we may reasonably
require shall be furnished without expense to us.
10. Medical Examination
We shall be entitled in the case of non-fatal injury to call for examination by a
medical referee appointed by us whenever required and in the event of death to
have a post-mortem examination at our expense.

11. Payment of Claims

Indemnity for death of the insured person is payable to the beneciary of the
insured person. we shall not be liable for any claim arising under this policy that
occurs prior to the commencement date of this policy. Any payment made by us
pursuant to this provision shall fully discharge us to the extent of the payment.
12. Liability Claims
The insured person must not admit, deny, or settle a claim without our consent.
13. Misrepresentation
If the insured person or anyone acting for the insured person makes a
statement in the application form or in connection with any claim knowing the
statement is false or uses any fraudulent means or devices to obtain any benet
under this policy, we will not be liable for any claim, all covers under this policy
shall cease and no premium will be refunded. This policy shall be considered void
(at our discretion) in the event of misrepresentation, misdescription or nondisclosure by or on behalf of the insured person of any information material to
this policy.
14. Legal Action
No legal action against us shall be brought to recover on this policy before lling
a written claim on us in accordance with the procedures mandated by General
Provision 8 Notice of Claims set out above.
15. Subrogation
We have the right to commence or take over legal proceedings in the insured
persons name for the defense or settlement of any claim, or to sue or prosecute
any other party to recover monies payable by them at law. The insured person
must co-operate with us and do nothing to hinder our rights.
16. Compliance
The insured person must follow our advice or instruction otherwise we may
decline to pay the whole or any part of the claim. Also, failure to comply with
any of the provisions contained in this policy shall invalidate all claims hereunder.
17. Other Insurance
If at the time of a claim there is any other policy insured by other insurance
company which also covers the same benets as this policy, we will only be liable
for our proportionate share.
18. Premium Payments
The premium, and any applicable taxes, are payable in advance by the insured
person on or before the date they become due; unless ofcial notice of

termination has been given, a grace period will be granted for the payment of
any premium falling due after the rst premium, subject to the terms of General
Provision 19 Grace Period. We shall not be liable for any claim arising under
this policy that occurs prior to receipt of the premium. We shall not be obliged to
accept premium tendered to us or to any intermediary after such date, but may
do so at our discretion. We reserve the right to ask for proof of payment of
premium at any time. Such proof must be to our satisfaction.
19. Grace Period
We will allow the insured person one calendar month for the payment of each
premium falling due after the rst premium. During this period we will keep this
policy in force. The insured person shall be liable to pay us the premium for the
period the policy continues in force. If any claims occur during this period, the
outstanding balance must be paid to us in full before we settle the claim.

If after this period the premium remains unpaid, this policy will lapse at the end
of the grace period.

20. Reinstatement of Policy

If this policy lapses due to non-payment of premiums, it may be reinstated with
our approval. Benets will not, however, be payable for any event likely to give
rise to a claim under this policy which occurs while this policy has lapsed and
pre- existing condition should re-apply as if this policy commenced on such
reinstatement date.
21. Renewal
The policy may be renewed with our consent from term to term by payment in
advance of the total premium specied by us, which premium shall be at our
premium rate in force at the time of renewal. Subject to General Provision 19
Grace Period and all other terms and conditions of the policy, the insurance in
respect of the insured person will be automatically renewed each calendar year,
subject to payment of premiums unless cancelled in writing by the insured
person/us.
22. Cancellation
This policy may be cancelled at any time by us or the insured person by issuing
a fteen (15) days written notice in advance. Such cancellation shall be without
prejudice to any valid claim originating prior thereto.
In the event the plan offered to the insured person under the policy for which the
Monthly Premium has been paid in advance is cancelled by the insured person or
us, the policy will then lapse at the end of the current calendar month.

In the event the plan offered to the insured person under the policy for which
the Annual Premium has been paid in advance is cancelled by the insured
person or us, the unearned premium shall be refunded on a pro-rata basis for
the balance of the months of cover due under the plan.
23. Termination of Coverage
Coverage under this policy shall automatically terminate at the earliest of the
dates specied below:
(i) the premium due date when any or any part of the premium pertaining to

this policy is not paid within the grace period (General Provision 19

Grace Period and General Provision 18 Premium Payments);
(ii) the date when the insured person exceeds the age limit as stated in the

policy schedule;
(iii) upon the insured persons request, termination of coverage will be

effective on the date specied in the written notice received by us, provided

that fteen (15) days notice of cancellation is given;
(iv) subject to the above General Provision 13 Misrepresentation;
(v) the date the policy expires on the expiry date;
(vi) the date the insured person is no longer eligible within the classication of

insured persons
24. Governing Law and Jurisdiction
This policy shall be governed by and construed in accordance with the laws of
the United Arab Emirates. All disputes arising hereunder shall be referred to the
exclusive jurisdiction of the courts of the United Arab Emirates.
25. Language
This policy has been written in both the English and Arabic languages. In the event
of any discrepancy in interpreting this policy, the Arabic language will prevail.
26. Statement of Purpose for Collection of Personal Data
All the personal information collected or held by us, howsoever obtained, may
be used by us or disclosed to any individual or organization within or outside
United Arab Emirates for the following purposes: (1) to assess and service this
policy, (2) to process the direct debit authorization or credit card payment, (3) to
provide marketing material for us or our associated companies and (4) to
conduct insurance claims or analysis.

27. Commencement Date

This policy takes effect on the commencement date shown in the policy
schedule and continues in effect until the policy expiry date as stated on the
policy schedule. All insurance period shall begin and end at 12:01 P.M at the
address of the insured person.
Coverage under this policy shall commence from the time of application by the
insured person for this policy, subject to the successful debit of the insured
persons Visa/Master Card Credit Card/bank account for the premium due under
the policy. Non-receipt of the rst premium by us within the grace
period will render this policy null and void immediately, effective from the time
of application.
28. Change in premium rates at policy anniversary date
Each year, as of the anniversary of the policy, we may change the premium rates
for the policy, by advance written notice delivered to the insured person or
mailed to his/her last address as shown on our records, no later than thirty (30)
days prior to such anniversary of the policy.
29. Free-look period/cooling off period
If applicable, the insured person is entitled to a full refund of premium if this
policy is cancelled upon written request of the insured person within thirty (30)
days from the date the rst premium is debited from the insured persons Visa/
Master Card Credit Card/bank account. We reserve the right to decline a second
application following the cancellation of the rst application under this plan, for
the same insured person.

Part 7: Our complaints procedure

At Zurich, we are committed to our customers and we always aim to exceed their
expectations. As a result, we welcome feedback as it allows us to continually improve
our products and services for our customers.
If you are unsatisfied with the service you have received from us for any reason,
please let us know by contacting our Customer Service team. You can reach them
via phone or email:

800 ZURICH (987 424)

complaint.me@zurich.com
We aim to resolve complaints as quickly as possible and we will ensure we keep you
informed of our progress as we investigate any issues. We treat each case individually
so the amount of time it takes to resolve a complaint may vary but you can be sure
we will do our utmost to deal with your complaint promptly and efficiently.
Wed like to thank you once again for choosing Zurich.

If you have any questions about your policy,

please call us on 800 ZURICH (987 424)

136536A01 (03/14) ZCA

Our office hours are Sunday-Thursday from 8am-6pm.

Zurich Insurance Middle East S.A.L

Registered under Insurance Companies Register Certificate No.48
and authorised by the UAE Insurance Authority.
www.zurich.ae

800 987 424 :

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claims.me@zurich.com


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