Zurich Group Personal Accident & Sickness Insurance
A comprehensive solution that helps you stay financially protected when illness or injury interrupts your life and work.
Why Choose Zurich?
Zurich has been a leading insurer for more than a century, building a reputation for reliability, financial strength and innovative products. Their Personal Accident and Sickness (PA&S) plan is designed for individuals, families and small businesses that want simple, transparent coverage without hidden gaps.
Key Features
- Worldwide coverage protection applies in most countries, not just your home state.
- Flexible sum insured choose a benefit that matches your salary and lifestyle.
- Combined accident & sickness benefits one policy pays for both accidental injuries and nonaccidental illnesses.
- Income replacement daily or weekly cash benefit while youre unable to work.
- Medical expense reimbursement covers hospital, surgery, medication and diagnostic costs.
- Critical illness cover (optional) lumpsum payment for diagnoses such as cancer, heart attack or stroke.
- Returntowork assistance rehabilitation and vocational support.
- Family addon extend the same coverage to spouses and children at a reduced rate.
How the Policy Works
When an insured event occurs, Zurich follows a straightforward process:
- Notification Inform the insurer as soon as possible, using the 24hour claims hotline or online portal.
- Medical assessment A certified medical practitioner evaluates the condition and provides the required documentation.
- Benefit calculation The insurer applies the policy terms to determine the appropriate cash payout or reimbursement amount.
- Payment Funds are transferred directly to the insureds bank account, usually within 710 business days.
Typical Benefits
| Benefit Type | What You Receive | Typical Limit |
|---|---|---|
| Accidental Death Benefit | Lumpsum payment to beneficiaries | Up to 200% of the chosen sum insured |
| Permanent Disability Benefit | Lumpsum based on degree of loss | Up to 150% of the sum insured |
| Temporary Total Disability | Daily cash benefit | Up to $150 per day |
| Hospitalisation & Surgery | Reimbursement of actual medical costs | No upper limit (subject to policy maximum) |
| Critical Illness (optional) | Lumpsum on diagnosis | Up to $100,000 (selectable) |
Who Can Benefit?
The policy is suitable for:
- Employees who want extra protection beyond employerprovided coverage.
- Selfemployed professionals and freelancers.
- Families seeking a single plan that safeguards all members.
- People who travel frequently for work or leisure.
How to Get Started
Getting a Zurich PA&S policy is a threestep process:
- Get a Quote Use the online calculator or contact a local Zurich agent.
- Choose Coverage Select the sum insured, optional riders and the payment frequency.
- Complete Application Provide personal details, medical history and sign the contract.
Once approved, you receive an electronic policy document and can start using the 24hour claims service immediately.
Frequently Asked Questions
Is preexisting illness excluded?
Yes. Any condition diagnosed or treated within 12 months before the start date is typically excluded, unless you add a specific preexisting condition rider.
Can I cancel the policy?
Yes. You may cancel within 30 days of purchase for a full refund, provided no claims have been made. After that, cancellations are subject to a shortrate penalty.
What if I move abroad?
The policy remains valid in most countries, but you should inform Zurich of the change of residence. Some regions may require a premium adjustment.
How are premiums calculated?
Premiums depend on age, occupation risk class, sum insured, and any optional riders. Zurich offers a discount for annual payments and for bundling with other Zurich products.
Contact Zurich
For more information, speak with a licensed Zurich advisor or visit the official website.
- Phone (US): 1800555ZIP1
- Email: info@zurich.com
- Website: www.zurich.com
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