Critical Illness CoverWhat is Zurich ProLife 36 Super Basic all about?
The quality of your life and health may hang by a financial thread the moment you’re exposed to either a critical illness or diseases.
That’s why ProLife 36 Super Basic is designed by Zurich to help ease your financial stress if you’re diagnosed with any of the 36 common critical illnesses.
Coverage for this critical illness insurance includes chronic diseases such as Alzheimer, Cardiomyopathy, full blown AIDS, Parkinson, chronic lung and liver disease.
On top of that, you’ll also get cover for 30 other major critical illnesses such as benign brain tumors, coma, heart attacks and many more!
How much are the premiums for this Zurich insurance?
The premium rates for this Zurich insurance will vary for different individuals.
Certain factors will affect your rates, such as your occupation, medical condition, age, gender, lifestyle habits and the amount of cover you want.
Will the premium of my critical illness insurance increase?
Worried about increases in your critical illness insurance premium rates?
The amount that you’ll pay for your Zurich ProLife 36 Super Basic policy in the first year is guaranteed to remain as it is for the next 2 years.
For renewals thereafter, they’ll be subject to the underwriting by Zurich.
Before increasing your premiums, Zurich will inform you in writing at least 90 days before the expiry date of your policy, so you'll then have more than ample time to contemplate renewing your policy.
Is my child entitled to the same benefits?
Definitely, yes! Zurich ProLife 36 Super Basic offers the same protection for your children from all 36 critical illnesses.
To find out how much they’ll be insured for, see the table below:
| Age attained at the time of diagnosis | Percentage of sum assured payable (%) |
| 0 year | 20 |
| 1 year | 40 |
| 2 years | 60 |
| 3 years | 80 |
| 4 years | 100 |
Am I allowed to cancel my Zurich ProLife 36 Super Basic?
Yes, you may cancel your Zurich ProLife 36 Super Basic.
There is a cooling-off period which allows you to cancel the Zurich insurance within 15 days from the date your policy is issued.
All you have to do is just return the critical illness insurance contract back to Zurich in person – you’ll get back the premiums you’ve paid minus medical costs and other expenses incurred by the insurer when processing your policy.
