Features
ADCB - Critical Guard Insurance ADCB - Critical Guard Insurance Features: No Salary Transfer, Protection Against Illness, Unlimited Tenor Cover
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Safeguard your and your family’s future with cover for 37 critical illnesses. Being diagnosed with a critical illness takes more than a physical and emotional toll; it also impacts your finances. That’s why we are introducing Critical Guard through ADCB. An insurance solution to protect you and your family, so you can continue to focus on what really matters, your health.

Features & Benefits:



  • Lump sum cash benefit up to AED 350,000
  • Unlimited tenor cover till age of 65 years
  • Easy application process with no medical requirements*
  • Protection against up to 37 critical illnesses

Cover Eligibility and Features

Minimum Age at Entry

20 years last birthday

Maximum Age at Entry

59 years last birthday

Maximum Age at Maturity

65 years last birthday

Plan Term*

10 years, Renewable till age of 65 years

Minimum Sum Assured

AED 100,000

Maximum Sum Assured

AED 350,000

Sum Assured Payout

Immediate (28 days after diagnosis)

Waiting Period

90 days from the date of policy commencement

Fee Look Period

30 days from issuane of policy

Scope of Cover

Worldwide

Currency

AED

Payment Method

Direct debit through ADCB account or through ADCB Credit Cad

Payment Frequency

Annually or Monthly

 

Cover Options

Age Group

Annual Premium (AED)

100,000

150,000

200,000

250,000

300,000

350,000

20-29

270

400

525

650

800

925

30-39

625

950

1225

1525

1825

2150

40-49

1300

1950

2600

3250

3875

4525

50-54

1900

2825

3800

4700

5650

6600

55-59

2375

3600

4750

5950

7125

8300

 

Cover Options

Age Group

Monthly Premium (AED)

100,000

150,000

200,000

250,000

300,000

350,000

20-29

25

35

45

55

70

80

30-39

55

80

105

130

155

180

40-49

110

165

220

275

325

380

50-54

160

240

320

395

475

550

55-59

200

300

400

500

595

695

 

Critical Illness Covered

1. Cancer  21. HIV through blood transfusion
2. Heart attack  22. Occupationally acquired HIV
3. Stroke  23. Poliomyelitis
4. Coronary Artery Bypass surgery  24. Meningitis
5. Kidney failure  25. Encephalitis
6. Major organ transplant  26. Cardiomyopathy
7. Heart valve surgery  27. Aplastic anemia
8. Aorta graft surgery  28. Primary pulmonary hypertension
9. Multiple Sclerosis  29. Systemic Lupus Erythematosus
10. Parkinson’s disease  30. Major head trauma
11. Motor neuron disease  31. End stage lung disease
12. Paralysis  32. Terminal liver insufficiency
13. Loss of limbs  33. Creutzfeld-Jacob disease
14. Blindness  34. Progressive Scleroderma
15. Coma  35. Apallic syndrome
16. Loss of hearing  36. Severe myocarditis
17. Loss of speech  37. Progressive Supranuclear Palsy – resulting in permanent symptoms
18. Severe burns
19. Loss of one limb and loss of one eye.
20. Benign brain tumor
 

*Terms & Conditions apply

Disclaimer:

This Product is offered by Orient Insurance PJSC for ADCB Clients and is subject to their approval. Insurance Products are made available to clients on request, based on an analysis of their needs. Insurance products are underwritten by respective insurance providers and issued subject to their terms and conditions. Abu Dhabi Commercial Bank (ADCB) does not offer insurance advice, nor does it manage, underwrite or issue insurance policies. ADCB is not responsible for rejected applications or claims by any insurance company. Premiums received by ADCB for insurance plans are not bank deposits. Please refer to adcb.com for product Terms and Conditions. This web-page is for information purposes only and does not constitute an offer or solicitation to purchase insurance products.
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