Critical Illness

Critical Illness


  • Instantly available at any UNB branch counter in the UAE
  • Competitive premiums
  • No medical test required
  • Free look period of 30 days
  • Worldwide coverage
  • Choose from a 5 or 10-year term plan with policy cover limit of up to AED 275,000
  • Convenient premium payment through direct debit or standing instruction
  • Claim waiting period: 90 days from the date of issuance.

We take our health for granted. Our bodies do exactly what they need to –until our aging, genetic predisposition, lifestyle or unforeseen circumstances potentially alter the path of our lives in ways we hadn’t imagined. What if, one day, things suddenly stopped going according to plan and you were diagnosed with a critical illness? Would you be able to cover unanticipated medical bills?

If you’ve purchased a Critical Illness Cover, your answer would be ‘yes’. This policy covers 37 critical illnesses including cancer, for which treatment is known to expensive, kidney failure, coma, loss of speech, limbs, hearing and HIV.

We understand that medical bills can quickly mount up in the event of a dread disease, but with this policy, you have one less thing to worry about. We’ll cover those bills, so that you can focus your energies on recovery.

You won’t need to go through any medical testing: Your cover is instantly activated when you purchase it through any of our UNB branches across the UAE.

Through Orient Insurance PJSC, our insurance partner, we cover these critical illnesses at competitive rates:

Aorta graft surgeryHeart valve surgeryMultiple sclerosis
CancerKidney failureParalysis
Coronary artery by-pass surgeryMajor organ transplantParkinson disease
Heart attackMotor neurone diseaseStroke
Apallic syndromeEnd stage lung diseaseOccupationally acquired HIV
Aplastic anaemiaHIV through blood transfusionPoliomyelitis
Benign brain tumourLoss of hearingPrimary pulmonary hypertension
BlindnessLoss of limbsProgressive scleroderma
CardiomyopathyLoss of one limb and loss of one eyeProgressive supranuclear palsy
ComaLoss of speechSevere burns
EncephalitisMajor head traumaSevere myocarditis
Creutzfeld Jacob diseaseMeningitisSystemic lupus erythematosus
Terminal liver insufficiency


Applicants must be:

  • A GCC national, UAE resident or a UAE National
  • At least 18 years old
  • No older than 55 at entry
  • No older than 65 years old at policy maturity.

Terms & Conditions

Policy Terms & Conditions apply and insurance is subject to sole discretion of Orient Insurance PJSC.

Disclaimer: This product is offered by Orient Insurance PJSC for UNB Customers and is subject to approval. Terms and Conditions of the product/insurance policy shall apply. UNB is neither responsible for, nor guarantees or warrants the quality, fitness for purpose, suitability of the product/cover being offered and does not accept any liability and will not be liable for any loss or damage arising directly or indirectly to the customer taking the insurance or nominated beneficiaries or any others.

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