Critical Illness

Critical illness cover

Here at Continental, our critical illness protection solutions go to work right at the moment you can’t. When a serious illness strikes it can have a devastating impact on almost every aspect of your life. While there is little we can do to protect ourselves against many of life’s incidents, making provision for the financial implications of critical illness is something we can all put in place. An increasing number of people across the world are being affected by diseases that not only cost a huge amount in treatment, but also leave patients incapable of retaining their jobs. This has a dramatic effect on their source of income.

Covering yourself with a life insurance policy makes sense, not only to safeguard your loved ones’ futures, but also to protect your savings and future income if you suffer a debilitating disease. In the event that you have not made adequate financial provisions, surviving a potentially fatal disease could be very stressful, and drain your savings while increasing your expenses just at the moment your income stops.

Whether you're searching for critical illness insurance in UAE or looking for global comprehensive coverage, our policies are crafted to safeguard you against the unexpected.

Why you may need critical illness insurance

Today, people are living longer and thriving even after being diagnosed with serious illnesses, which is truly remarkable. At The Continental Group, we've noticed that as life expectancy increases, so does the awareness of the importance of preparing for future health needs. Longer lives mean we have more opportunities to pursue our passions and spend time with loved ones, but they also come with the need for proactive financial planning.

Insurance for critical illness provides a lumpsum payment and ensures you are financially prepared to manage medical expenses without depleting your health insurance or personal savings, allowing you to focus on enjoying a healthy and fulfilling life.

At Continental, we understand that critical illness insurance will help you to pay for uncovered medical bills and household bills. What’s more, your critical illness insurance can even provide capital to start a new home-based business if that is something you’re interested in.

Globally, it is estimated that between 30 to 45 million adults are affected by critical illnesses each year. In the UAE, recent statistics from 2021 show that cancer, cardiovascular diseases, diabetes, and chronic respiratory diseases account for 55% of all deaths. This highlights the significant impact of critical illnesses both worldwide and within the UAE. The figure highlights the increasing need for critical illness insurance in UAE and across the world to manage the financial burden associated with these conditions.

Source WHO: https://uniatf.who.int/docs/librariesprovider22/default-document-library/uae-ncd-report.pdf?sfvrsn=38501032_1 & https://www.medrxiv.org/content/10.1101/2024.03.14.24304275v1.full.pdf

Continental can find the best critical illness policy for your needs

Critical illness insurance can put your mind at ease. At Continental, we will advise you of the best long-term insurance policies to cover you in the event of serious illness. In the event that you become ill, your critical illness policy will make a one-off payment. This can be used to pay for your mortgage, rent, or debts. Or you may choose to use your pay-out to make necessary alterations to your home, such as wheelchair access, should you need it.

Get in touch with the expert advisers at Continental

Choosing the right critical illness insurance can feel overwhelming. At Continental, our expert insurance specialists will guide you through a broad spectrum of options, including comprehensive critical illness coverage. We'll help simplify the complexities of the insurance landscape and identify a critical illness insurance solution tailored specifically to your unique needs.

For help with choosing the right critical illness insurance policy, contact us today.

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Three reasons to choose Continental

1.

A network of qualified professionals

We acknowledge our role as your guide in the world of financial planning and advice. Our advisory and consulting services empower you to navigate your options, enabling the creation of effective solutions that align with your goals.

With a dedicated team of over 300 qualified professionals operating across the Middle East, Europe, and Asia, Continental is committed to delivering exceptional service and impartial advice on policies of insurance for critical illness, supported by our expertise, extensive experience, and a steadfast philosophy of prioritising your best interests.

Our commitment to ongoing education, research, and technological advancement ensures we remain at the forefront of the industry, enabling us to help you reach your aspirations.

2.

Multifaceted solutions

At Continental, there’s nothing more important than your financial security. Whether you are securing your family’s future, assisting your clients or planning your own expansion, Continental can provide the guidance and resources necessary to reach your financial goals and aspirations quickly and efficiently.

Our extensive range of solutions from reputed local and international partners allow us to offer you the most comprehensive financial and insurance solutions in the market with a commitment to provide a dedicated and personalised service to you at all times.

3.

A personalised approach

We believe that personal relationships take precedence in both life and business. Our connections are built on a foundation of trust, which we diligently uphold, complemented by a skilled and experienced team.

To help you meet your unique financial goals and aspirations, we ensure that our advice and recommendations are tailored to suit your objectives, risk tolerance, time horizon, cash requirements and other key parameters. We source solutions that are designed based on your long-term interests which could vary from minimising risk, preserving wealth, to maximising income or accumulating capital and other financial desires.

The quality of our service relies on confidentiality, trust and discretion, which make us the preferred choice for our clients.

Other life insurance policies

Whole Life

A guaranteed pay out whenever you pass – with premiums and sum assured linked to an investment fund.

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Term Life

A guaranteed lump sum pay out or regular income should you die within the given period of the policy term.

Learn More

Universal Life Insurance

More flexible, permanent coverage which offers low-cost protection alongside a savings element that grows over time.

Learn More

Endowment Plans

Coverage for death, as well as offering savings that build up, released on maturity should you survive the policy term.

Learn More

FAQ

1. What types of critical illness are covered under this scheme?

Types of Critical illnesses that are covered under this scheme include the following:
Heart Attack
Benign Brain Tumour
Coronary Artery Disease Surgery
Heart Valve Replacement or Repair
Cancer
Motor Neuron disease
Stroke
Parkinson’s disease
Renal Failure
Third Degree Burn
Major Organ Transplant
Alzheimer’s Disease
Multiple Sclerosis
Aortic Graft Surgery
Any other terminal disease

2. Is critical illness cover the same as life insurance?

No. Critical illness is often sold together with life insurance but there are distinctions. Please check with your expert Continental adviser about the details of your policy.

3. Are all illnesses covered?

No. Some serious illnesses may not be covered. This can include some cancers and conditions not listed in the policy. It you have any previous health conditions then critical illness insurance tends not to pay out for those. However, what is covered and what is not, will be clearly set out in the policy details. Please ensure you have a full and frank conversation with your Continental insurance adviser prior to taking out a policy.

Critical Illness