Life may come with some uncertainties and surprises. Protect yourself and your loved ones with Life Cover on your Credit Card.
Accidental Death
Receive a payout of AED 200,000 subject to a max of AED 300,000 across all your cards
Permanent Disability due to accident
Up to AED 100,000 per primary Credit Card AED 300,000 across all your Cards
Critical Illness
Outstanding Credit balance or card limit, whichever is lower subject to maximum of AED 100,000
Manage your hospital expenses worry-free with daily payouts in case of hospitalization exceeding a continuous period of 48 hours.
Receive AED 100 every day
Coverage up to 30 days in a year
The Credit Shield Pro insurance program is underwritten by Abu Dhabi National Insurance Company (ADNIC), a leading multi-line regional insurance provider with long-standing expertise in providing insurance services to individuals and corporates across the Middle East and North Africa region.
Enroll nowNo, Pre-existing conditions are not covered in this policy, few examples for Pre-Existing conditions are as given below:
For more detailed eligibility conditions and exclusions, please refer to section 4 and 5 under the detailed Credit Shield Pro - Terms and Conditions document.
The policy is valid for all, UAE Nationals and Expatriates however ILOE is applicable to only Expatriates.
In case of job loss (Involuntary Loss of Employment) the benefits shall be paid only if the date of the event falls after 180 days from enrollment date of the offer. Please also note that:
No, Pre-existing conditions are not covered in this policy, few examples for Pre-Existing conditions are as given below:
For more detailed eligibility conditions and exclusions, please refer to section 4 and 5 under the detailed Credit Shield Pro - Terms and Conditions document.
The policy is valid for all, UAE Nationals and Expatriates however ILOE is applicable to only Expatriates.
In case of job loss (Involuntary Loss of Employment) the benefits shall be paid only if the date of the event falls after 180 days from enrollment date of the offer. Please also note that:
If you are not residing any more in UAE and continue to remain unemployed after initial payout of 6 months, an additional lump sum benefit of remaining 10% of outstanding balance after 1st payout will be paid to you from 7th month onwards for the remaining period.
However please note, you have to visit ADNIC before leaving the country to verify all the original documentation in person.
Upon occurrence of an event giving rise to a claim under this policy, the Insured Cardholder's legal representative(s) and/or the policyholder shall submit an immediate written notice to ADNIC but not later than 365 days from the date of event for Accidental Death/Disability Claims. The claim notification period shall be 30 days from the date of event for ILOE, Critical Illness and Hospital Cash Benefit.
For assistance in submitting a claim under this policy, please contact ADNIC
Upon receipt of claim notification, ADNIC would register the claim, allocate & advice a claim number and required documents to the card holder.
Emirates NBD shall not be responsible, nor have any liability to the Eligible Cardholder, for any fees and/or charges payable by the Eligible Cardholder due to failure or any delays in claims received from ADNIC.
For Detailed Claims Procedure please refer to section 7.4 under the Credit Shield Pro - Terms and Conditions document.
The benefits under Hospital Cash due to accident is payable to you over and above that you could claim using medical insurance.
The Premium is charged on the full Credit Card Outstanding on the date of statement generation (including all unbilled installments, & other fees & charges)
No, the cover is applicable only on Primary card holders. Supplementary cardholders or corporate card/credit cards issued in the name of company are not covered.
Yes, the coverage is valid worldwide except in respect of ILOE and Hospital Cash Benefit which are limited to the UAE.
Notice Period to Raise Claim | Waiting Period | All Documents Required | Key Exclusions | Max Age For claim | |
---|---|---|---|---|---|
Death due to accident | Within 365 days | No Waiting period | Please refer to Section 7.3(A), under the Credit Shield Pro- Terms & Conditions document | Please refer to Section 5 under the Credit Shield Pro- Terms & Conditions document | 70 |
Permanent Total Disability due to accident | Within 365 days | No Waiting period | Please refer to Section 7.3(B), under the Credit Shield Pro- Terms & Conditions document | Please refer to Section 5 under the Credit Shield Pro- Terms & Conditions document | 70 |
Job loss cover (involuntary loss of employment) | Within 30 days | 180 days from the commencement date | Please refer to Section 7.3(D), under the Credit Shield Pro- Terms & Conditions document | Please refer to Section 5 under the Credit Shield Pro- Terms & Conditions document | 60 |
Critical Illness | Within 30 days | 90 days from the commencement date | Please refer to Section 7.3(C), under the Credit Shield Pro- Terms & Conditions document | Please refer to Section 5 under the Credit Shield Pro- Terms & Conditions document | 60 |
Hospitalization due to Accident | Within 30 days | No Waiting period | Please refer to Section 7.3(E), under the Credit Shield Pro- Terms & Conditions document | Please refer to Section 5 under the Credit Shield Pro- Terms & Conditions document | 60 |
Complimentary Natural Death Cover | Within 365 days | No Waiting period | Please refer to Section 7.3(A), under the Natural Death Cover- Terms & Conditions document | Please refer to Section 5 under the Natural Death Cover- Terms & Conditions document | 70 |
You can enroll into Credit Shield Pro at the time of new card application. For all enrollments post card activation, please log in to our Mobile app/ Website or Call us on at 600 54 0000. You will be charged a nominal monthly rate of 0.99% + 5% VAT of your Emirates NBD Credit Card outstanding balance.
The Following conditions are covered under Critical Illness:
Critical illness due to any pre-existing condition is excluded.
A waiting period of 90 days applies with respect to Critical Illness benefit.
For detailed exclusions list, please refer to the section 5 under the Credit Shield Pro - Terms and Conditions documents.
For detailed exclusions list, please refer to the section 5 under the Natural Death Cover - Terms and Conditions documents.
Credit Shield Pro offers complete peace of mind to cardholder by covering the following eventualities:
Age Criterion at Entry | Minimum Age | Maximum Age |
---|---|---|
Death due to accident | 18 Years Old | 69 Years Old |
Permanent Total Disability due to accident | 18 Years Old | 69 Years Old |
Job loss cover (involuntary loss of employment) | 18 Years Old | 59 Years Old |
Critical Illness | 18 Years Old | 59 Years Old |
Hospitalization due to Accident | 18 Years Old | 59 Years Old |
Complimentary Natural Death Cover | 18 Years Old | 69 Years Old |
The maximum coverage age is 70 for Death due to accident, Permanent Total Disability due to accident and complimentary Natural death cover, and 60 for Critical Illness Cover and Involuntary Loss of Employment/Hospital Cash Benefit.
You will be required to submit an evidence of continued unemployment including but not limited to Income Tax report or Social Security register report from your country of residence (attested and authenticated at the UAE consulate in that country) along with all other claims document as listed in section 7.3(D) under the Credit Shield Pro - Terms and Conditions document on the seventh month of your unemployment.
Once your claim is approved for the settlement outside UAE, you are required to submit the bank details form . The respective bank transfer charges will be borne by you.
Credit Shield Pro payment benefits against each coverage are as follows:
Event | Coverage provided on Emirates NBD Credit Card(s) |
---|---|
Death due to accident | Receive a payout of AED 200,000 subject to a max of AED 300,000 across all your cards. |
Permanent Total Disability due to accident | AED 100,000 subject to a max of AED 300,000 across all your cards. |
Job loss cover (involuntary loss of employment) |
|
Critical Illness | Outstanding Credit balance or card limit, whichever is lower subject to maximum of AED 100,000. |
Hospitalization due to Accident | Receive a payout of AED 100 every day for a maximum of 30 days in a year, in case of hospitalization exceeding a continuous period of 48 hours. |
Natural Death Cover | Additionally, receive a complimentary Natural death cover of AED 100,000 per primary card subject to a maximum of AED 300,000 per cardholder. |
You can cancel your subscription to the plan at any time with no additional charges by calling us on 600 54 0000. There is no cancellation fees applicable for Credit Shield Pro.
Your immediate family members – Spouse, Children, Parents and Siblings can be nominated under the policy for the benefits be claimed in an unfortunate event.
Other than job loss cover (ILOE), and Critical Illness benefits, you can claim under all other benefits immediately upon enrolling into the policy excluding any pre-existing condition and as per the applied Credit Shield Pro- terms and conditions.
Please note that only one benefit payment will be applied for same conditions for example; if Disability benefit is paid, ILOE or Accidental Death benefit will not be paid.
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