Waiver of Premium – This is an optional additional benefit. If you are unable to work due to illness or disability, Zurich Life will pay your premiums after a period of 13 weeks has passed. To add this benefit to your quote please call us on: 01 845 0049.

On proof that a life insured in respect of whom Personal Accident benefit applies has become temporarily disabled as a result of an accident that occurs in Ireland or the United Kingdom, Zurich Life will pay the Personal Accident benefit applicable to that life insured. For the purposes of this benefit, temporarily disabled means completely unable to follow the occupation the life insured was following prior to disablement, directly as a result of an accident caused by external, violent and visible means. A disability which occurs within six months of the Start Date cannot be considered unless such disability is caused by a broken bone and results in a total inability of the Life Insured to carry out his occupation. The benefit will not be paid if the life insured is in any other gainful occupation. The amount of the Personal Accident benefit is equal to the lesser of the Personal Accident benefit sum insured for that life and 50% of the life insured’s weekly earnings for each week of temporary disablement to a maximum of 52 weeks. Personal Accident benefit ceases on the earlier of the death, recovery and 60th birthday of a life insured. Personal Accident benefit will not be paid for the first 14 days of temporary disability. Personal Accident benefit is payable in arrears. It is only payable up to the date a medical practitioner signs the claim form.