COVID-19 & Zurich Life Protection Policies

Life Cover – Guaranteed Term Protection (GTP) & Guaranteed Mortgage Protection (GMP)

We can confirm that if a Life Insured dies from COVID-19 then we will pay a valid death claim. Pay-out will be subject to the normal terms and conditions applicable on the policy. But we can confirm that no new restrictions apply as a result of COVID-19.

Serious Illness Cover – GTP & GMP

COVID-19 is not a defined illness listed in our Serious Illness policies so claims are not payable specifically for COVID-19. However, a client may be eligible to claim for conditions arising from COVID-19 if the serious illness definition is met.

Hospital Cash Benefit

If a client with Hospital Cash benefit is hospitalised with COVID-19 we will pay a Hospital Cash claim provided they are hospitalised for the minimum required 3 or 4 days. Benefit is not payable for people who are required to self-isolate or who are quarantined in hotels/cruise ships etc.

Personal Accident Benefit

Personal Accident Benefit is only payable where the insured person is unable to work due to an accident caused by visible, violent, external means. Benefits are not payable if the life insured is unable to work for any other reason including COVID-19.

New Policies - Underwriting

While no new underwriting restrictions have been applied with regard to COVID-19, our normal underwriting criteria applies, and each case will be considered on an individual basis. For instance, if a client discloses that they have recently returned from an affected area or if they have contracted the illness, then underwriting may be postponed until a full recovery is made.

We understand that these are difficult times for everyone, but you can be assured that we will continue to keep you informed. Should you have any specific questions or queries, please contact your Broker Consultant on the phone or via email.