Critical Illness Cover for Expats in UAE, Saudi and GCC

Attention All Expats working in UAE, Saudi Arabia, Bahrain, Qatar, Oman and Kuwait

"Now, more than ever, Critical Illness Cover is ESSENTIAL."

What is Critical Illness Cover?

Critical Illness Cover pays you a cash lump sum if you are diagnosed with one of a list of serious illnesses or conditions. These might include, for example: major cancers, heart attack, coronary artery by-pass surgery, stroke, Parkinson’s disease, early onset Alzheimer’s disease, permanent disabilities, and blindness, amongst many others.

A Cash Lump Sum to Pay Off Debts and Cover Your Income Needs

Critical Illness Cover is NOT medical insurance. Medical insurance is only for your hospital bills, whereas Critical Illness Cover can be used for anything you want - such as rent, bills, living expenses, school fees, and credit card payments. Even relocation back home if you choose.

The cash payout from Critical Illness Cover softens the financial impact of life changes necessary when coping with a major illness, and ensures adequate funds to cover loss of income during treatment and recovery.

Why is Critical Illness Cover so Important?

In the GCC region, expatriates don’t have the safety net of social security like locals do, and statutory sick pay is minimal. For example, UAE sick pay is 100% for 15 days, then 50% for the next 30 days; nothing after that. In Saudi Arabia, sick pay is 100% for 30 days, then 75% for the next 60 days; nothing further.

Common serious medical conditions can have a treatment and recovery period that extends for many months or longer. With a Critical Illness Cover policy, you won’t be forced to return to work while you are still unwell - you can focus on recovery, without stress and worry over loss of income.

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Critical Illness Cover Protects Your Expat Investment

You probably chose to work abroad to accumulate savings and afford a better life when you return home or retire. If a serious illness forced you to stop work, it would be a needless disaster to burn through your savings just to support yourself and your family. Instead, the cash payout from a Critical Illness Cover policy will protect your financial situation and your future lifestyle plans.

Critical Illness Cover is Not Expensive

Some people think Critical Illness Cover is going to be expensive, but this is not true. Critical Illness Cover is great value, and the cost is a tiny fraction compared to the financial impact of not having cover when you need it. Statistics show that almost 50% of people will be diagnosed with some form of serious illness (including cancer) during their working career.

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