What is critical illness cover?
Summary: Critical illness cover can support you and your family financially, by paying out a lump sum if you ever became unwell with a range of serious conditions such as cancer, heart attack or stroke or any of our other 18 listed conditions.
What is critical illness cover?
Critical illness cover can support you and your family financially, by paying out a lump sum if you ever became unwell with a range of serious conditions such as cancer, heart attack or stroke or any of our other 18 listed conditions.
It can be added to your life insurance policy at the time of purchase, for additional protection if you were ever to fall critically ill. Unfortunately, the bills don’t stop if you were ever to fall critically ill. As it is not always possible to continue working whilst recovering from a critical illness such as cancer, the lump sum can help remove some of the financial stress and give you and your loved one’s financial peace of mind whilst you focus on your recovery.
What conditions are covered?
Our critical illness cover pays out if you are diagnosed with the most common serious illnesses such as cancer, heart attacks, and strokes. It also covers injuries like the permanent loss or paralysis of limbs, permanent deafness or blindness and third-degree burns affecting more than 20% of the body or face.
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 tumour | Resulting in permanent symptoms |
| Blindness | Permanent and irreversible |
| Cancer | Excluding less advanced cases |
| Coma | Resulting in permanent symptoms |
| Coronary artery bypass grafts | with surgery |
| Deafness | Permanent and irreversible |
| Heart attack | Of specified severity |
| Heart valve replacement or repair | with surgery |
| Kidney failure | requiring regular dialysis |
| Loss of hands or feet | Permanent physical severance |
| Loss of speech | Permanent and irreversible |
| Major organ transplant | |
| Motor neurone disease | Resulting in permanent symptoms |
| Multiple sclerosis | with current symptoms |
| Paralysis of limbs | Total and irreversible |
| Parkinson’s disease | Resulting in permanent symptoms |
| Stroke | of specified severity |
| Third degree burns | Covering either 20% of the surface area of the face or body |
| Traumatic head injury | Resulting 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.