FAQs

What does critical illness cover?

Summary: When you buy a life insurance policy from Beagle Street, you can add critical illness cover which pays out a lump sum if you were diagnosed with a serious condition such as cancer, heart attack, stroke or any of our other 18 listed conditions.

What does critical illness cover?

When you buy a life insurance policy from Beagle Street, you can add critical illness cover which pays out a lump sum if you were diagnosed with a serious condition such as cancer, heart attack, stroke or any of our other 18 listed conditions.

This money can be used to support you and your family whilst you recover, and it gives you the flexibility to spend your payout on whatever you need. For example, the payment can be used to cover medical or care costs, make adaptations to your home, or address any other expenses.

A critical illness claim would have no impact on your life insurance and your family will still receive the full cover amount if you were to pass away.  

The list of conditions covered by Beagle Street’s critical illness cover are:

Alzheimer’s disease before age 65, resulting in permanent symptoms
Aorta graft surgery for disease or trauma
Benign brain tumourResulting in permanent symptoms
BlindnessPermanent and irreversible
CancerExcluding less advanced cases
ComaResulting in permanent symptoms
Coronary artery bypass grafts with surgery
DeafnessPermanent and irreversible
Heart attackOf specified severity
Heart valve replacement or repairwith surgery
Kidney failurerequiring regular dialysis
Loss of hands or feetPermanent physical severance
Loss of speechPermanent and irreversible
Major organ transplant
Motor neurone diseaseResulting in permanent symptoms
Multiple sclerosiswith current symptoms
Paralysis of limbsTotal and irreversible
Parkinson’s diseaseResulting in permanent symptoms
Strokeof specified severity
Third degree burnsCovering either 20% of the surface area of the face or body
Traumatic head injuryResulting in permanent symptoms

These conditions also apply to child critical illness cover if you decide to add this onto your life insurance policy. See Policy Terms & Conditions.

It’s worth noting that if you claim on a full critical illness condition your cover will end and you’ll no longer be covered for critical illness cover.

For existing customers, please refer to your individual T&Cs in your policy documents which will specify the conditions you are covered for.