STRONGEST IRELAND SERIOUS ILLNESS PLAN. The. LifeProtect. Market Comparison. 19% more Heart Attack and 17% more Stroke claims.

Transcription

1 LifProtct Markt Compariso Th STRONGEST SERIOUS ILLNESS PLAN IN IRELAND simplifid dfiitios will rsult i us payig out up to 19% mor Hart Attack ad 17% mor Strok claims. Sourc: Risurr Rsarch, Ju 2014 For Fiacial Advisor us oly July 2014

2 Simplifid Hart Attack dfiitio W xpct to pay up to 19% mor hart attack claims. Simplifid Strok dfiitio W xpct to pay up to 17% mor strok claims. Illsss & partial paymts 4 Nw Full Illsss 14 Improvd Full Illsss 7 Nw Partial Paymts 5 Improvd Partial Paymts Th Big Thr - Cacr, Hart Attack & Strok accout for approximatly 82% of all claims paid. * Compay & Nam of Pla Spcifid Illsss Zurich Lif Guaratd Trm Protctio Cacr Flxibl Protctio Covr Hart Attack Bst i Irlad of spcifid svrity Strok Bst i Irlad with prmat Caldoia Trm Assurac with Srious Illss Covr Frids First Trm Assurac Irish Lif Trm Lif Isurac Nw Irlad Trm Assurac Pla of spcifid svrity with prmat of spcifid svrity with prmat of spcifid svrity with prmat of spcifid svrity with prmat Sourc: Zurich Lif, July 2014 Th xt 7 srious illsss togthr accout for approximatly 12% - 14% of claims paid.* Compay & Nam of Pla Spcifid Illsss Zurich Lif Guaratd Trm Protctio Flxibl Protctio Covr Caldoia Trm Assurac with Srious Illss Covr Frids First Trm Assurac Irish Lif Trm Lif Isurac Nw Irlad Trm Assurac Pla Multipl Sclrosis (icluds Dvic s Disas) Big Brai Tumour Hart Valv Rplacmt or Rpair Hart Structural Surgry Parkiso s Disas Kidy Failur Coroary Artry Bypass Graft Sourc: Zurich Lif, July 2014 Importat ots - plas rad Zurich s Srious Illss Covr is subjct to trms & coditios which ar cotaid i th policy documt. It is importat to ot that ot all srious illsss ar covrd udr this policy. I ordr to mak a valid claim policy spcific coditios must b mt ad crtai xclusios apply. You should rfr to th policy documt which is availabl o rqust from Zurich. All dtails show ar for acclratd srious illss. For dtaild illss dfiitios ad th circumstacs wh a claim will b payabl, plas cosult th policy documt for ach compay. = hacd Sourc: Risurr Rsarch, Ju 2014 *Sourc: Zurich Lif claims xpric for 201.

3 Th rmaiig srious illsss that w covr oly accout for approximatly 0.5% - 2% of claims paid.* Spcifid Illsss Agioplasty for Coroary Artry Disas (Two vssls) Zurich Lif Guaratd Trm Protctio (50% to max. 100,000) Flxibl Protctio Covr (Partial Paymt 50% to max. 20,000) Caldoia Trm Assurac with Srious Illss Covr (Partial Paymt 50% to max. 15,000) Frids First Trm Assurac (Partial Paymt 50% to max. 20,000) Irish Lif Trm Lif Isurac (Partial Paymt 75% to max. 40,000) Nw Irlad Trm Assurac Pla Aorta Graft Surgry Aplastic Aamia Bactrial Migitis Balloo Valvuloplasty 7 Big Spial Cord Tumour Blidss (Partial Paymt 75% to max. 40,000) Brai Ijury - du to aoxia or hypoxia 7 7 Cardiac Arrst (with isrtio of dfibrillator) Cardiomyopathy Chroic Pacratitis Chroic Rhumatoid Arthritis 7 7 Coma Crutzfldt-Jakob Disas (CJD) Dafss Ecphalitis HIV Ifctio Itsiv Car (rquirig mchaical vtilatio for 10 coscutiv days) Livr Failur Loss of Hads or Ft Loss of Idpdt Existc (basd o "Activitis of Daily Livig") Compay & Nam of Pla From ag 65 Loss of Spch Major Orga Trasplat Motor Nuro Disas Paralysis (o limb) Parkiso Plus Sydroms (Icl Multipl Systm Atrophy (MSA) & Progrssiv Supra-uclar Palsy (PSP)) (Two limbs) 7 (MSA ad PSP covrd) 7 (MSA ad PSP covrd) Priphral Vascular Disas Prmat Total Disablmt - to ag 65 7 (MSA ad PSP covrd) (basd o Activitis of Daily Work ) 7 Pumoctomy Pr-sil Dmtia (icludig Alzhimr s Disas) Primary Pulmoary Hyprtsio Primary Sclrosig Cholagitis Pulmoary Artry Surgry Svr Croh s Disas Svr Lug Disas Short Bowl Sydrom Systmic Lupus Erythmatosus (SLE) Trmial Illss Third Dgr Burs Traumatic Had Ijury Sourc: Zurich Lif, July 2014 Importat Not All dtails show ar for acclratd srious illss. For dtaild illss dfiitios ad th circumstacs wh a claim will b payabl, plas cosult th policy documt for ach compay. = hacd = w *Sourc: Zurich Lif claims xpric for 201.

4 Compariso of Illsss covrd udr Partial Paymt Bfit Spcifid Illsss Zurich Lif Guaratd Trm Protctio Agioplasty (sigl vssl) 50% to max 5,000 Flxibl Protctio Covr Compay & Nam of Pla Caldoia Trm Assurac with Srious Illss Covr Frids First Trm Assurac 7 50% to max 5,000 50% to max 7,500 Irish Lif Trm Lif Isurac 50% to max 10,000 Nw Irlad Trm Assurac Pla 50% to max 10,000 Brai Abscss draid via craiotomy Carcioma i situ Brast (tratd by spcific surgry) Carcioma i situ Osophagus (tratd by spcific surgry) Carcioma i situ Tsticular (Ductal oly) (Ductal oly) (rquirig surgical rmoval of o or both tsticls) Carotid Artry Stosis (tratd by Edartrctomy or Agioplasty) 7 Crbral Aurysm Crbral Artriovour Malformatio (tratd by Edovascular rpair) Croh's Disas tratd with surgical itstial rsctio Early Stag Bladdr Cacr (of spcifid advacmt) 7 Implatabl Cardiovrtr Dfibrillator 7 Livr Rsctio 7 7 Loss of O Limb Full Paymt Full Paymt Full Paymt Low Lvl Prostat Cacr (with spcific tratmt) Priphral Vascular Disas (tratd by Agioplasty) 7 Pituitary Tumour 7 Srious Accidt Covr (28 coscutiv days i hospital) Svr Burs or rd Dgr Burs (covrig at last 10% of th body s surfac) Sigificat Visual Impairmt (Prmat ad Irrvrsibl) Sigl Lobctomy Surgical Rmoval of O Ey Syrigomylia or Syrigobulbia Ulcrativ Colitis (tratd by total colctomy) Sourc: Zurich Lif, July 2014 Importat Not All dtails show ar for acclratd srious illss. For dtaild illss dfiitios ad th circumstacs wh a claim will b payabl, plas cosult th policy documt for ach compay. = hacd = w

5 simplifid Hart Attack dfiitio Util ow, i ordr to qualify for a claim udr th markt stadard Hart Attack - Of Spcifid Svrity dfiitio thr was a svrity hurdl rlatd to th prsc of tropois i th bloodstram. Whil vidc of raisd tropois is still rquird, th svrity hurdl has b rmovd. Basd o rsarch from our risurrs, it is xpctd that this chag will lad to a additioal 19% of Hart Attack claims big payabl compard to th prvious dfiitio.* simplifid Strok dfiitio Wh somo suffrs a Strok, thy xhibit for a priod of tim. I most cass ths ar prmat but this is ot always th cas. With our w simplifid Strok - Rsultig i Spcifid Symptoms dfiitio th rquirmt for prmac has b rmovd ad rplacd with 24 hours, makig our dfiitio sigificatly mor grous tha th markt stadard Strok - Rsultig i Prmat Symptoms dfiitio. Basd o rsarch from our risurrs, it is xpctd that this chag will lad to a additioal 17% of Strok claims big payabl compard to th prvious dfiitio.* Compariso of Additoal Bfits Compay & Nam of Pla Spcifid Illsss moth ristatmt claus (allowig valid claims) Zurich Lif Guaratd Trm Protctio Uiqu Flxibl Protctio Covr Caldoia Trm Assurac with Srious Illss Covr Frids First Trm Assurac Irish Lif Trm Lif Isurac Nw Irlad Trm Assurac Pla Th policyholdr, his/hr lgal rprstativs or th assig of th policy hav th right to pay th upaid prmiums du o th policy withi thr moths of th dat o which th first upaid prmium was du ad hav th policy ristatd. Th policy ca b ristatd v if a claim has aris, i which cas, valid claims may b paid. Th policy caot b ristatd if w rciv a writt rqust from th policyholdr to cacl th policy. Brok Bos Paymt Childr s Bfit Lif/Srious Illss to ag if i FTE* to ag 21 to ag if i FTE* to ag 21 to ag 21 Guaratd Isurability 7 to ag if i FTE* Hospital Cash Max. 00 pr day 7 7 Max. 120 pr day Max. 260 pr day Max. 00 pr day Iflatio Protctio Optio Sum Isurd % Prmium 4.5% Sum Isurd % Prmium 4% Sum Isurd % Prmium 4% Sum Isurd 5% Prmium 8% Sum Isurd % Prmium 5% Sum Isurd % Prmium % Log-trm Car Covrsio Ovrsas Surgry Bfit 12, Prsoal Accidt Covr Protctio Cotiuatio Optio PTD 'Ow' Occupatio Surgical Cash Waivr of Prmium * FTE = Full Tim Educatio Max. 400 pr wk (Lif Covr oly) to ag , Max. 400 pr wk Max. 00 pr wk to ag 60 7 to ag to ag to ag Sourc: Zurich Lif, July Importat Not All dtails show ar for acclratd srious illss. For dtaild illss dfiitios ad th circumstacs wh a claim will b payabl, plas cosult th policy documt for ach compay. = hacd *Sourc: Risurr Rsarch, Ju 2014.

6 Prit Rf: ZURL LSA Zurich Lif Assurac plc Zurich Hous, Frascati Road, Blackrock, Co. Dubli, Irlad. Tlpho: Fax: Wbsit: Zurich Lif Assurac plc is rgulatd by th Ctral Bak of Irlad. Itdd for distributio withi th Rpublic of Irlad.