Expat Critical Illness Cover
Wealth & Finance | Banking & Insurance
About
Safeguard your wealth, lifestyle, and family with critical illness insurance tailored to life in the Gulf
For internationally mobile individuals, entrepreneurs, and families living or investing in the Gulf, the impact of a life-altering diagnosis can be both emotionally devastating and financially disruptive. Critical Illness Cover offers a vital layer of security—delivering a lump-sum payment upon the diagnosis of a serious condition such as cancer, stroke, or heart disease. At Kingsbury & Partners, we work exclusively with trusted insurance providers regulated in the DIFC to give our Private Office clients seamless access to high-quality cover. This allows clients to secure appropriate protection in line with international standards, while meeting local regulatory requirements in the UAE and broader GCC.
What It Offers
Our Critical Illness Cover referrals provide access to policies that:
- Cover up to 35 serious medical conditions for adults, including cancer, heart attacks, and permanent disability
- Include 26 additional benefits for children, including childhood cancers and congenital diseases
- Pay out a lump sum on diagnosis, giving you flexibility to fund treatment, maintain income, or adjust your plans
- Lump sum pay out up to $1,250,000 USD.
- Provide international coverage for expats across the UAE, Saudi Arabia, Qatar, Oman, Bahrain, and Kuwait
- Allow customisation to include life cover, total disability, or family-wide protection
- Offer clear definitions and transparent exclusions so you know exactly what’s included
Whether you’re concerned about long-term care, educational continuity for your children, or keeping your business running, this cover offers the peace of mind to focus on recovery—not your finances.
Key Benefits
- Immediate liquidity upon diagnosis to manage treatment or loss of income
- Child and family protection built into the same policy
- Access to treatment anywhere—not just your country of residence
- Customisable options for critical illness, life cover, or both
- Peace of mind that your affairs are protected even in worst-case scenarios
Who It’s For
We typically recommend Critical Illness Cover to:
- HNW and UHNW individuals with assets or dependents in the GCC
- British and European expats residing in Dubai, Abu Dhabi, or Riyadh
- Global entrepreneurs concerned about protecting future business earnings
- Senior professionals whose lifestyle depends on continued income
- Family offices looking for cross-generational wealth protection strategies
Understanding Your Needs
A serious diagnosis rarely comes with warning—and yet its financial impact can last for years. Many of our clients are sole providers, international business owners, or key decision-makers within their families. They want certainty, not complexity.
At Kingsbury & Partners, our role is to connect you with regulated, English-speaking insurance partners who can deliver this protection quickly and efficiently. We eliminate the guesswork, cut through the fine print, and ensure the cover you take out is aligned with your risk profile and long-term goals.
About Our Partner
Our insurance partner offers comprehensive life and critical illness coverage tailored to the unique needs of high-net-worth individuals and families across the GCC. With a focus on flexibility, global portability, and robust protection, they provide peace of mind through every stage of life.
Key Highlights:
- Established: Over 40 years of experience serving international clients, with a strong presence in the Middle East.
- Client Focus: Provides tailored solutions for expatriates and residents in the UAE, Saudi Arabia, Bahrain, Kuwait, Oman, and Qatar.
- Coverage: Offers life cover up to USD 32 million and critical illness cover up to USD 1.25 million, encompassing 35 adult and 26 child critical illnesses and disabilities.
- Flexibility: Policies are portable across jurisdictions, with premiums payable in multiple currencies and options for level or decreasing term cover.
- Additional Benefits: Includes free access to Best Doctors second opinion service and complimentary children's critical illness and disability benefit.
Through our collaboration, Private Office clients gain access to bespoke insurance solutions that align with their global lifestyles and long-term financial planning objectives.
Eligibilities
- Resident in the UAE, KSA, Qatar, Oman, Bahrain, or Kuwait
Frequently Asked Questions
Process
Assess your risk and budge
Select lump sum payout amount
Undergo medical or complete health form
Compare providers and benefits
Activate policy and stay protected
Kingsbury & Partners’ Private Office provides access to a range of wealth management financial services, and insurance solutions through our network of trusted partners. We do not provide financial, investment, tax, or legal advice directly. Any financial products or services referenced on our platform are offered by third-party providers, and clients should conduct their own due diligence before entering into any agreements.
Nothing on our website, marketing materials, or communications should be construed as an offer, recommendation, or solicitation to buy or sell any financial product or service. Past performance is not indicative of future results, and investments carry inherent risks, including the risk of loss of capital. Clients should seek independent professional advice before making any financial decisions.
Kingsbury & Partners may receive fees or commissions from certain providers for introductions or referrals, but we remain impartial in our selection process and prioritise the best interests of our clients.
Regulatory requirements for financial and insurance services vary by jurisdiction, and availability may be subject to local laws and licensing conditions. It is the responsibility of clients to ensure that they meet the necessary qualifications or eligibility criteria for any service they choose to engage with.
For further details, please contact us directly.