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Care plus

Key Features

  • 37 Illnesses covered under OrientCare Plus. Click here 
  • A lump sum benefit will be paid out immediately after 28 days of diagnosis with any illness covered under this plan
  • Worldwide coverage
  • Easy enrollment, no medicals required 
  • Guaranteed renewal


Key Benefits

Minimum Age at Entry 18 years last birthday
Maximum Age at Entry 59 years last birthday
Plan Term 5 years (Every year term renewal up to age of 60 years)
Premium Payment Term Equal to plan term
Minimum Sum Assured AED 50,000
Maximum Sum Assured AED 350,000
Sum Assured Payout A lump sum benefit will be paid out immediately post 28 days of 
diagnosis with any illness covered under this plan
Waiting Period Policy will be in force after 90 days of date of issuance
Free Look Period 30 days from issuance of policy
Scope of Cover Worldwide coverage
Currency AED
Payment Frequency  Annually

Eligibility Criteria

  • Only CBD customers with valid UAE visa/National ID are eligible to apply
  • The Policy can be issued in the name of individuals only
  • The premiums for the Life assured can be paid by a Third Party

Required Documents

  • Completed and signed application form
  • Passport Copy with a valid UAE residence visa / Nationality proof
  • Any other document as required by Orient (as applicable)

FAQs

In case the client leaves UAE, what happens to the status of the policy?

The policy coverage is valid worldwide subject to regular premium payments and excludes travel to war-torn countries in which there is a UN peacekeeping operation or any declared war zone.

Where would my money go if I died as a consequence of the covered illness after making a claim?

If your claim is approved by the Insurance Company, your money would go to your stated beneficiary/beneficiaries. 

How long does it take for a claim to be settled?

14 working days after receipt of all complete documents 

What is the procedure to settle a claim if client’s suffers from one of the cancers outside the UAE?

You will be required to submit the Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the illness supported by investigative and diagnostic reports as well as other documents as may be required by the Company. The Medical Certificates need to be notarized and attested by the authorized Ministry of the Country of Origin, UAE Embassy / Consulate in the country of origin and Ministry of Foreign Affairs, UAE.

What documents are required in case of a claim?

Policy Document, Passport, Visa Copy, Claim Form, Medical Certificates establishing the illness supported by investigative and diagnostic reports as well as other documents as may be required by the company. 

Who do I contact in case of a claim?

You can notify the Claims Department, Orient Insurance PJSC on +971 4 253 1300 for your claim settlement. 

Is this policy eligible for bonus?

No, this policy is not eligible for bonus. 

Can I have multiple beneficiaries? Can I change beneficiary during the policy term?

Yes, customer can add and change beneficiaries anytime during the policy term.

What riders can I add to my policy?

No rider can be attached to this policy. 

In case of lapsation, within how many months can the policy be re-instated?

90 days from the earliest due date for which a premium was paid. 

Can this policy be converted into paid up?

No, that option is not available. 

What would be the charges if I decide to surrender the plan?

Nothing is payable on surrender of the plan. 

What will I get on diagnosis of any one of the critical illnesses mentioned in the policy?

The Sum Assured will be paid to the Life Assured as a lump sum on diagnosis of any one of the 37 illnesses as per the definitions given. The diagnosis should have been made 90 days after the date of commencement of the policy or the Last reinstatement date. The Life Assured should survive for a minimum period of 28 days from the date of diagnosis to be eligible to receive the payment.

No benefit will be paid to the nominee / Life Assured in case of any other scenario like death of the Life Assured due to natural causes, accident, etc. 

What is the waiting period under this plan for making a claim?

90 days from the policy commencement date or last reinstatement date. 

What will I get on maturity of the plan?

If none of the critical illnesses specified in the policy are diagnosed during the policy term, nothing will be paid on maturity. 

Am I covered during pregnancy?

Yes.

Am I covered if I smoke?

Yes. 

Will I need a medical examination?

No. You can participate in the plan without a medical examination. If you make a claim, Insurance Company may ask you to attend one. 

Will my premiums increase as I get older?

Since the plan term for CritiCare is 5 years (and 10 years), your premiums will stay same during the term of the plan. 

Can someone else pay for my policy?

Yes, third party payments are allowed, as long as the payment is done through CBD account of such third party. 

Can I change my premium contribution schedule during the term of the plan?

No, change of premium contribution schedule during the term of the plan is not allowed. 

How frequently can I make premium contributions to the plan?

Payment of premium may be made on an Annual basis 

What should be the Life Assured’s maximum age at maturity?

65 years last birthday 

What should be the Life Assured’s maximum age at entry?

55 years last birthday 

What should be the Life Assured’s minimum age at entry?

18 years last birthday 

What is the term of the plan?

The plan has a fixed term of 5 years only. 

Disclaimer

This Product is offered by Orient Insurance PJSC for CBD Clients and is subject to their approval. Terms and Conditions of the Insurance policy shall apply. The insurance cover shall only start after the issuance of policy by Orient Insurance. Details presented are for your information only. CBD is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the Product / Covers being offered and does not accept any liability and will not be liable for any loss or damage arising directly or indirectly to the client taking the Insurance or beneficiaries or any others.

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