About Zurich

Zurich is one of the world’s largest insurer groups, headquartered in Zurich, Switzerland, and founded in 1872. It now offers life insurance and critical illness products and services in over 215 countries. Zurich is on a mission to become the UK’s leading financial services provider, committed to ‘doing the right thing, in the right way and for the right reason’.

Zurich critical illness policy features

Core benefit Receive your critical illness cover amount if you’re diagnosed with one of the serious illnesses or conditions listed in your policy. After this, your policy ends.
Additional benefit Receive a proportion of your critical illness cover amount if you’re diagnosed with one of the less serious illnesses or conditions listed in your policy. Your policy won’t end after claiming the additional benefit.
Child benefit Receive a proportion of your critical illness cover amount if your child is diagnosed with one of the children’s illnesses or conditions listed in your policy. Your policy won’t end after claiming the child benefit.
Total permanent disability benefit Claim your full critical illness cover amount if you’re diagnosed by a doctor has having become permanently disabled during your policy term.
Waiver of premium Don’t pay your monthly premiums if you’re off work for medical reasons. A minimum time off work usually applies.

Zurich critical illness extra policy benefits

Zurich critical illness policies also come with extra benefits, outlined below. These features are ‘non-contractual’, which means they’re not related to the contractual conditions of your own policy, and are usually provided by a third party. Everyone is eligible for them – though they’re usually only made available if you buy your Zurich policy through an adviser.

Zurich support services 24/7 access to an independent team of counsellors, advisers and legal experts for you and your family. This includes support for carers, life coaching, debt and money management, legal information, and up to five counselling sessions.

Zurich critical illness insurance prices

£25,000 level critical illness cover

Age/gender Cover Non-smoker Smoker
25 year old male or female Standard adult and standard child £7.18 £8.64
Upgraded adult and upgraded child £9.62 £11.29
35 year old male or female Standard adult and standard child £11.90 £16.35
Upgraded adult and upgraded child £14.61 £20.14
45 year old male or female Standard adult and standard child £22.54 £36.85
Upgraded adult and upgraded child £26.59 £42.69

£25,000 decreasing critical illness cover

Age/gender Cover Interest rate Non-smoker Smoker
25 year old male or female Standard adult and standard child 6% £5.52 £6.53
Upgraded adult and upgraded child 6% £7.84 £8.74
35 year old male or female Standard adult and standard child 6% £8.31 £11.67
Upgraded adult and upgraded child 6% £10.86 £14.45
45 year old male or female Standard adult and standard child 6% £15.65 £25.87
Upgraded adult and upgraded child 6% £18.47 £30.50

£50,000 level critical illness cover

Age/gender Cover Non-smoker Smoker
25 year old male or female Standard adult and standard child £12.02 £15.01
Upgraded adult and upgraded child £16.60 £19.92
35 year old male or female Standard adult and standard child £21.66 £30.73
Upgraded adult and upgraded child £26.48 £37.38
45 year old male or female Standard adult and standard child £43.36 £72.61
Upgraded adult and upgraded child £50.13 £81.95

£50,000 decreasing critical illness cover

Age/gender Cover Interest rate Non-smoker Smoker
25 year old male or female Standard adult and standard child 6% £8.55 £10.57
Upgraded adult and upgraded child 6% £13.15 £14.94
35 year old male or female Standard adult and standard child 6% £14.13 £20.88
Upgraded adult and upgraded child 6% £19.18 £26.35
45 year old male or female Standard adult and standard child 6% £28.84 £49.30
Upgraded adult and upgraded child 6% £34.37 £58.35

Standard adult and standard child cover: Zurich Life and Critical Illness (with child). Upgraded adult and upgraded child cover: Zurich Life and Critical Illness Select (with child). Quoted on 06/04/2020.

It’s important to make an informed decision when buying critical illness cover – which is where Anorak can help. We scan all the major insurers to match you to the products most suitable for you, based on your unique needs. We give you peace of mind about who to go with (especially if your most suitable policy is from an insurer you’ve not used before).

Good to know: Our recommendations are regulated, completely impartial – and free. And we also have a team of human advisers who can help over the phone, if you prefer.

This review is intended for informative purposes only and does not constitute advice.