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WomenCare

Plan Benefit Protection plan for female cancers
Minimum Age at Entry 18 years last birthday
Maximum Age at Entry 60 years last birthday
Maximum Age at Maturity 65 years next birthday
Maximum Term of Plan 5 years
Types of Cancers Covered Ovarian cancer, cancer in the Fallopian tubes, cervical cancer, genito urinary cancer, including uterine cancer, bladder or urethra and kidneys cancer, colorectal cancer, lung cancer, breast cancer
Minimum Sum Assured AED 50,000
Maximum Sum Assured AED 250,000
Sum Assured Payout Immediate (28 days after diagnosis)
Underwriting No underwriting required for coverage up to AED 250,000
Waiting Period 90 days from the date of policy issuance
Free Look Period 30 days from the date of policy issuance
Scope of Cover Worldwide
Currency AED


Important Notes

  • The Policy can be issued in the name of individuals only.
  • The premiums for the life assured can be paid by a third party.
  • Duly filled and signed application form.
  • Passport Copy with valid UAE nationality or residency visa.
  • Copy of standing order form (for payments by account debit).
  • Any other document as required by Orient (as applicable).

Eligibility Criteria

Who is eligible for WomenCare:

  • CBD female clients:
    • Within the age bracket of 18-60 years.
    • Holding a UAE nationality or residence visa.

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FAQs

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

18 years last birthday 

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

65 years last birthday 

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. 

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. 

Am I covered if I smoke?

Yes. 

Am I covered during pregnancy?

Yes.

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

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

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

Nothing is payable on surrender of the plan. 

Can this policy be converted into paid up?

No, that option is not available. 

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. 

What riders can I add to my policy?

No rider can be attached to this policy. 

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.

Is this policy eligible for bonus?

No, this policy is not eligible for bonus. 

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. 

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

14 working days after receipt of all complete documents 

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. 

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.

What are the eligibility criteria to participate in this plan?

All CBD female customers with valid UAE residence visa, falling within the prescribed age limits and not having diagnosed with cancer or malignant cell abnormalities in any part of the body before, are eligible to participate in the plan.

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

60 years last birthday

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.

What types of cancers are covered in the plan?

Breast cancer, ovarian cancer, cancer in the Fallopian tubes, cervical cancer, genito urinary cancer (including uterine cancer, bladder or urethra and kidneys), colorectal cancer and lung cancer.

What will I get on diagnosis of any one of the 7 cancers 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 7 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.

How frequently can I make premium contributions to the plan?

Payment of premium may be made on an Annual basis.

What is the term of the plan?

The plan has a fixed term of 5 years.

Will my premiums increase as I get older?

Since the plan term for WomenCare is 5 years, your premiums will stay same during the term of the plan.

What will I get on maturity of the plan?

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

What documents are required in case of a claim?

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

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 cancer 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.
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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