1. Will my life insurance pay out if I die because of  the regional situation affecting the UAE, Qatar, or Bahrain?

Our Protection products have two types of “war risk” clauses:

1. Active War Risk – This is when you are actively involved in a war (for example, fighting or taking part in military activities). This is never covered under Zurich protection products.
2. Passive War Risk – This is when you are simply a bystander during a war and not taking part in it. This is covered if you live in the UAE, Bahrain, or Qatar.

In some older Zurich products, there was a list of countries where special rules applied for Passive War Risk. These older lists did not include UAE, Bahrain, or Qatar.

Also, in some cases, customers may have agreed to specific travel exclusions when they bought the policy. If that applies to you, it will be clearly shown in your policy schedule and terms & conditions.

So, to be sure:

• Check your policy schedule for any special exclusions.
• Check your policy terms and conditions for further information.

 

2. Are there any situations where a claim on my policy would be refused because of the regional situation affecting the UAE, Qatar, or Bahrain?

Other than the usual exclusions already listed in your policy, Zurich will pay the claim. This means that if your claim arises in the UAE, Qatar, or Bahrain, as a bystander during  hostilities, your claim will be honoured, as long as none of the standard and specific exclusions apply.

 

3. Will my premium go up because of the current conflict?

Zurich can increase premiums on policies that include a Passive War Risk clause — but we have not done this, and we would only consider it if the situation truly required it.

Our current protection solutions on our product suite do not include a Passive War Risk clause. This means your premium will not increase because of the current situation in the UAE, Bahrain, or Qatar.

 

4. Can I increase my life cover right now?

Yes, you can—but it depends on the rules of your specific policy.
Check your policy terms and conditions, and if you’re unsure, your financial adviser can guide you.

 

5. If I’m evacuated or need to travel through another country, will my cover still apply?

Yes - you are still covered, as long as none of the standard or specific exclusions in your policy apply.

 

6. How does Zurich decide if someone was a passive victim or actively involved in a war or violent event?

Zurich looks at what the person was doing at the time of the event:

• Active involvement means the person was taking part in the war or violent activity - for example, fighting, supporting military operations, or being involved in actions that directly contribute to the conflict.
• Passive involvement means the person was simply a bystander - for example, living in the area, passing through, or being caught up in the situation without taking part in it.

Zurich reviews the details of each case to understand the circumstances and decide whether it was active or passive involvement.

 

7. What proof does Zurich need to decide if someone was passive or active during the incident?

Zurich looks at basic information about what happened at the time of the event. This may include:

• Official reports (such as police, military, or government reports)
• News reports about the incident
• Statements from witnesses
• Travel records or location details
• Any documents that show what the person was doing at the time (for example, work records, employer letters, etc.)

Zurich uses these facts to understand whether the person was:

• Actively involved (taking part in the conflict), or
• A passive bystander (not participating in any way)

Each case is reviewed individually based on the available evidence.