2019 Customer Benefits Paid Report - Health Risks in the Middle East

Being aware of the risks to your well-being is the first essential step to being Ready for Life. An understanding of prevalent health trends empowers you take protective and preventative action, safeguarding you and your family against unforeseen circumstances.

Our 2019 Customer Benefits Paid Report reveals key health risks in the Middle East, reinforces the importance of protection and demonstrates our strength in delivering to our promises.

Cancer and heart disease account for 92% of critical illness and 68% of life cover benefits paid
We paid more than USD 100M in customer benefits over the last three years.
93% of life cover and 94% of all critical illness customer benefits were paid.

So what are the key illnesses affecting residents of the Middle East? How well do we meet our commitments? What do some of our customers have to say?

Read on to discover some important insights revealed by our latest customer benefits paid study.


Cancer & Heart attack top the list

  • 68% of life cover benefits and 92% of critical illness customer benefits have been paid to those affected by cancer and heart disease.
  • Heart disease is more prevalent among men affecting 56% of male critical illness claimants.
  • Cancer is the primary concern for women making up 81% of female critical illness customer benefits paid.

It’s happening sooner than you think

  • Our Middle East data indicates that the life expectancy of customers who we have paid a life benefit to is 50 years.
  • The average age of a critical illness claimant is 48 years.
  • Our youngest life claimant was only 27 years of age.

Underinsurance is a key issue

  • 81% of critical illness claimants had USD 200,000 or less in cover. The rising cost of health care in the Middle East raises the question – is this sufficient to pay medical bills, allow time for recovery and secure your family’s future?

Zurich Middle East has been serving the region for over 30 years and in the last three years has paid out over USD 100 Million to the local community.

Our total benefits paid continues to rise and we pay all rightful claimants regardless of where they are in the world*.

Benefit payments made will be subject to any applicable trade or economic sanctions.

Total Benefits paid

Over a 5 year period the total benefits paid has increased by 52% to USD 102M in 2016-2018


Customer benefits were paid to customers in over 35 countries across the globe.


Between 2016 - 2018, 93% of life cover and 94% of critical illness claims were paid. The residual claims not paid were due to non-disclosure or fraud.

Watch inspired stories from our courageous customers across the Middle East and hear what they have to say about how they faced and overcame some of life’s greatest challenges.

Watch Chyira's story

Watch Hui's story

Watch Rajan's story

Watch Muskan's story

Watch Gary's story

Watch Hasan's story

Find out more about Life insurance

Play our life checker game to understand why you need life insurance, calculate how much cover you need, or watch our customer testimonials.

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Nurse screening service

You can have the medical test for your life insurance application done at home, work or at a medical centre through our Office and Home Medical Service – it’s your choice. This service is available to all customers across all insurance policies at no additional cost.

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Free Medical Second Opinion Service

Together with your spouse and children, you can access more than 50,000 of the most qualified doctors worldwide with our Medical Second Opinion Service through Best Doctors®. Available to all new Futura customers, this service gives you and your family the confidence of the right diagnosis and treatment for critical health problems.

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Cancer only cover

As Cancer together with Heart Disease is a major health concern for residents of the Middle East, we offer a cancer only cover as a lump sum benefit on our whole of life protection solution - Futura, for those customers who are unable to obtain life cover due to pre-existing medical conditions.

Learn more about our Cancer Only Cover

Children’s critical Illness and cancer cover

Learning that your child has a critical illness is devastating for any parent, but knowing you have financial support during this overwhelming time can be a comfort. As part of our Futura policy, we offer free critical illness and cancer cover for children under 18.

Learn more about our Free Children’s Cover

Life insurance solutions

Based on your individual needs and requirements, your financial adviser can recommend the Zurich Life insurance solution that best suits you.

Learn more about Futura and International Term Assurance