Origin of wealth guidelines
These guidelines provide you with premium levels above which we will require documentary evidence to support the information given in the origin of wealth questionnaire. The category beside each country indicates the premium level for that particular country, where the ‘country’ refers to your country of residence.
The premium levels indicated below include any contributions to existing policies.
If the country of residence is not listed below, it should be risk assessed as ‘category 3’. For more information, please contact your local Zurich HelpPoint.
Category 1Single premium: USD 1,000,000 / GBP 780,000 / EUR 950,000Yearly regular premium: USD 100,000 / GBP 78,000/ EUR 95,000 |
Category 2Single premium: USD 500,000 / GBP 390,000 / EUR 470,000Yearly regular premium: USD 50,000 / GBP 39,000 / EUR 47,000 |
Category 3Single premium: USD 300,000/ GBP 230,000 / EUR 280,000Yearly regular premium: USD 30,000 / GBP 23,000 / EUR 28,000 |
For Qatar
For the purposes of applying Qatar guidelines, please note: the below threshold will apply only for policies negotiated in Qatar. These rules do not override the basic thresholds sighted above on change of residency to Qatar.
Qatar ThresholdSingle premium: USD 500,000 equivalent in plan currencyYearly regular premium: USD 50,000 equivalent in plan currency |
Country categories
Category 1
| Albania |
| Andorra |
| Anguilla |
| Antigua & Barbuda |
| Argentina |
| Armenia |
| Aruba |
| Australia |
| Austria |
| Azerbaijan |
| Bahamas |
| Bahrain |
| Bangladesh |
| Barbados |
| Belgium |
| Belize |
| Bermuda |
| Bhutan |
| Botswana |
| Brazil |
| Brunei-Darussalam |
| Cambodia |
| Canada |
| Cayman Islands |
| Chile |
| Colombia |
| Cook Islands |
| Costa Rica |
| Croatia |
| Curacao |
| Cyprus |
| Czech Republic |
| Denmark |
| Dominica |
| Dominican Republic |
| Ecuador |
| El Salvador |
| Estonia |
| Fiji |
| Finland |
| France |
| Georgia |
| Germany |
| Ghana |
| Gibraltar |
| Greece |
| Guatemala |
| Guernsey |
| Guyana |
| Honduras |
| Hong Kong |
| Hungary |
| Iceland |
| India |
| Indonesia |
| Ireland |
| Isle of Man |
| Israel |
| Italy |
| Jamaica |
| Japan |
| Jersey |
| Jordan |
| Kuwait |
| Latvia |
| Lesotho |
| Liechtenstein |
| Lithuania |
| Luxembourg |
| Macau |
| Madagascar |
| Malawi |
| Malaysia |
| Malta |
| Marshall Island |
| Mauritius |
| Mexico |
| Mongolia |
| Montserrat |
| Morocco |
| Nauru |
| Netherlands |
| New Zealand |
| Nicaragua |
| North Macedonia |
| Norway |
| Oman |
| Panama |
| Papua New Guinea |
| Paraguay |
| Peru |
| Philippines |
| Poland |
| Portugal |
| Qatar |
| Romania |
| Rwanda |
| Saint Lucia |
| Samoa |
| San Marino |
| Saudi Arabia |
| Serbia |
| Seychelles |
| Singapore |
| Slovenia |
| South Africa |
| South Korea |
| Spain |
| Sri Lanka |
| St Vincent-Grenadines |
| Sweden |
| Switzerland |
| Taiwan |
| Tanzania |
| Thailand |
| Trinidad & Tobago |
| Tunisia |
| Turks & Caicos |
| Uganda |
| United Arab Emirates |
| United Kingdom |
| United States of America |
| Uruguay |
| Uzbekistan |
| Vanuatu |
| Vatican (Holy See) |
| Zambia |
| Albania |
| Andorra |
| Anguilla |
| Antigua & Barbuda |
| Argentina |
| Armenia |
| Aruba |
| Australia |
| Austria |
| Azerbaijan |
| Bahamas |
| Bahrain |
| Bangladesh |
| Barbados |
| Belgium |
| Belize |
| Bermuda |
| Bhutan |
| Botswana |
| Brazil |
| Brunei-Darussalam |
| Cambodia |
| Canada |
| Cayman Islands |
| Chile |
| Colombia |
| Cook Islands |
| Costa Rica |
| Croatia |
| Curacao |
| Cyprus |
| Czech Republic |
| Denmark |
| Dominica |
| Dominican Republic |
| Ecuador |
| El Salvador |
| Estonia |
| Fiji |
| Finland |
| France |
| Georgia |
| Germany |
| Ghana |
| Gibraltar |
| Greece |
| Guatemala |
| Guernsey |
| Guyana |
| Honduras |
| Hong Kong |
| Hungary |
| Iceland |
| India |
| Indonesia |
| Ireland |
| Isle of Man |
| Israel |
| Italy |
| Jamaica |
| Japan |
| Jersey |
| Jordan |
| Kuwait |
| Latvia |
| Lesotho |
| Liechtenstein |
| Lithuania |
| Luxembourg |
| Macau |
| Madagascar |
| Malawi |
| Malaysia |
| Malta |
| Marshall Island |
| Mauritius |
| Mexico |
| Mongolia |
| Montserrat |
| Morocco |
| Nauru |
| Netherlands |
| New Zealand |
| Nicaragua |
| North Macedonia |
| Norway |
| Oman |
| Panama |
| Papua New Guinea |
| Paraguay |
| Peru |
| Philippines |
| Poland |
| Portugal |
| Qatar |
| Romania |
| Rwanda |
| Saint Lucia |
| Samoa |
| San Marino |
| Saudi Arabia |
| Serbia |
| Seychelles |
| Singapore |
| Slovenia |
| South Africa |
| South Korea |
| Spain |
| Sri Lanka |
| St Vincent-Grenadines |
| Sweden |
| Switzerland |
| Taiwan |
| Tanzania |
| Thailand |
| Trinidad & Tobago |
| Tunisia |
| Turks & Caicos |
| Uganda |
| United Arab Emirates |
| United Kingdom |
| United States of America |
| Uruguay |
| Uzbekistan |
| Vanuatu |
| Vatican (Holy See) |
| Zambia |
Category 2
| Afghanistan |
| Aland Islands |
| America Samoa |
| Antartica |
| Benin |
| BES Islands |
| Bosnia & Herzegovina |
| Bouvet Island |
| British Indian Ocean Territory |
| Burkina Faso |
| Burundi |
| Cabo Verde |
| Central African Republic |
| Chad |
| China |
| Christmas Island |
| Cocos (Keeling) Islands |
| Comoros |
| Congo (Brazzaville) |
| Djibouti |
| Dutch Antilles |
| Egypt |
| Equatorial Guinea |
| Eritrea |
| Eswatini |
| Ethiopia |
| Falkland Islands |
| Faroe Islands |
| French Guiana |
| French Polynesia |
| French Southern Islands |
| Gabon |
| Greenland |
| Grenada |
| Guadeloupe |
| Guam |
| Guinea |
| Guinea-Bissau |
| Heard / McDonald Islands |
| Iraq |
| Kazakhstan |
| Kiribati |
| Kosovo |
| Kyrgyzstan |
| Liberia |
| Libya |
| Maldives |
| Mali |
| Martinique |
| Mauritania |
| Mayotte |
| Melanesia |
| Micronesia |
| Moldova |
| Montenegro |
| Mozambique |
| New Caledonia |
| Niger |
| Nigeria |
| Niue |
| Norfolk Island |
| Northern Mariana Islands |
| Pakistan |
| Palau |
| Palestine |
| Pitcairn |
| Polynesia |
| Puerto Rico |
| Reunion |
| Saint Barthelemy |
| Saint Pierre and Miquelon |
| Sao Tome & Principe |
| Senegal |
| Sierra Leone |
| Sint Maarten (Dutch part) |
| Slovakia |
| Soloman Islands |
| Somalia |
| South Georgia & the Sandwich Islands |
| St Helena, Ascension & Tristan da Cunha |
| St Kitts & Nevis |
| St Martin |
| Sudan |
| Suriname |
| Svalbard and Jan Mayen |
| Tajikistan |
| The Gambia |
| Timor-Leste |
| Togo |
| Tokelau |
| Tonga |
| Turkiye |
| Turkministan |
| Tuvalu |
| Ukraine |
| US Minor Outlying Islands |
| Virgin Islands (US) |
| Wallis and Futuna |
| West Bank |
| Western Sahara |
| Zimbabwe |
| Zaire |
| Afghanistan |
| Aland Islands |
| America Samoa |
| Antartica |
| Benin |
| BES Islands |
| Bosnia & Herzegovina |
| Bouvet Island |
| British Indian Ocean Territory |
| Burkina Faso |
| Burundi |
| Cabo Verde |
| Central African Republic |
| Chad |
| China |
| Christmas Island |
| Cocos (Keeling) Islands |
| Comoros |
| Congo (Brazzaville) |
| Djibouti |
| Dutch Antilles |
| Egypt |
| Equatorial Guinea |
| Eritrea |
| Eswatini |
| Ethiopia |
| Falkland Islands |
| Faroe Islands |
| French Guiana |
| French Polynesia |
| French Southern Islands |
| Gabon |
| Greenland |
| Grenada |
| Guadeloupe |
| Guam |
| Guinea |
| Guinea-Bissau |
| Heard / McDonald Islands |
| Iraq |
| Kazakhstan |
| Kiribati |
| Kosovo |
| Kyrgyzstan |
| Liberia |
| Libya |
| Maldives |
| Mali |
| Martinique |
| Mauritania |
| Mayotte |
| Melanesia |
| Micronesia |
| Moldova |
| Montenegro |
| Mozambique |
| New Caledonia |
| Niger |
| Nigeria |
| Niue |
| Norfolk Island |
| Northern Mariana Islands |
| Pakistan |
| Palau |
| Palestine |
| Pitcairn |
| Polynesia |
| Puerto Rico |
| Reunion |
| Saint Barthelemy |
| Saint Pierre and Miquelon |
| Sao Tome & Principe |
| Senegal |
| Sierra Leone |
| Sint Maarten (Dutch part) |
| Slovakia |
| Soloman Islands |
| Somalia |
| South Georgia & the Sandwich Islands |
| St Helena, Ascension & Tristan da Cunha |
| St Kitts & Nevis |
| St Martin |
| Sudan |
| Suriname |
| Svalbard and Jan Mayen |
| Tajikistan |
| The Gambia |
| Timor-Leste |
| Togo |
| Tokelau |
| Tonga |
| Turkiye |
| Turkministan |
| Tuvalu |
| Ukraine |
| US Minor Outlying Islands |
| Virgin Islands (US) |
| Wallis and Futuna |
| West Bank |
| Western Sahara |
| Zimbabwe |
| Zaire |
Category 3
| Algeria |
| Angola |
| Belarus |
| Bolivia |
| British Virgin Islands |
| Bulgaria |
| Cameroon |
| Cuba |
| DR Congo |
| Haiti |
| Iran |
| Ivory Coast |
| Kenya |
| Laos |
| Lebanon |
| Monaco |
| Myanmar |
| Namibia |
| Nepal |
| North Korea |
| Russian Federation |
| South Sudan |
| Syria |
| Venezuela |
| Vietnam |
| Yemen |
| Algeria |
| Angola |
| Belarus |
| Bolivia |
| British Virgin Islands |
| Bulgaria |
| Cameroon |
| Cuba |
| DR Congo |
| Haiti |
| Iran |
| Ivory Coast |
| Kenya |
| Laos |
| Lebanon |
| Monaco |
| Myanmar |
| Namibia |
| Nepal |
| North Korea |
| Russian Federation |
| South Sudan |
| Syria |
| Venezuela |
| Vietnam |
| Yemen |
Need something else?
Contact your Zurich HelpPoint team