Critical Illness Cover

Financial protection when it’s needed most

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A serious illness can change everything — not just for the individual, but for their family too. Critical Illness Cover provides employees with a lump-sum payment if they are diagnosed with a life-changing condition, giving them financial security at a time when they need it most.

Why it matters in the UAE

In the UAE, there is no state safety net to step in and replace lost income or support dependants during a health crisis. That makes employer-provided benefits even more important. Critical Illness Cover helps employees focus on recovery, knowing they have financial support in place for medical costs, lifestyle adjustments, or family needs.

What’s typically covered

Critical Illness Cover can be tailored to your business and workforce, but often includes protection against conditions such as:

  • Cancer
  • Heart attack
  • Stroke
  • Major organ transplant
  • Multiple sclerosis
  • Coronary artery bypass surgery
Three women smiling and embracing, symbolising support, resilience, and the importance of critical illness cover and wellbeing benefits for employees in the UAE.

The Howden difference

We’ll help you design Critical Illness Cover that fits your budget and supports your employees when they need it most. Independent and impartial, our advice ensures your benefits deliver real value to your people — and peace of mind for their families.

Show your employees you’ve got their back.

Talk to our UAE consultants about adding Critical Illness Cover to your benefits package.

Contact us