What Does My Critical Illness Insurance Cover?
What Critical Illnesses does my policy cover?
With our critical illness cover we cover a wide range of specific critical illnesses. Based on best practice guidelines we include the more common serious illnesses, such as cancer and heart attacks. Below, you can find the complete list of Critical Illnesses we cover. The full definitions of the illnesses covered and the circumstances in which you can claim are given in the Policy Terms and Conditions.
|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 by-pass grafts||With surgery|
|Deafness||Permanent and irreversible|
|Heart valve replacement or repair||With surgery|
|HIV infection||Caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation*|
|Kidney failure||Requiring 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|
|Third degree burns||Covering either 20% of the surface area of the face or body|
|Traumatic head injury||Resulting in permanent symptoms|
The following Extra Critical Illnesses will also be included if a policy includes a Critical Illness benefit. The Insurer will also pay the lower of £20,000 or 20% of the Critical Illness sum assured. These headings are only a guide to what is covered. The full definitions of the illnesses covered and the circumstances in which you can claim are given in the Policy Terms and Conditions.
|Low Grade Prostate Cancer|
|Carcinoma of the breast||Requiring surgery|
|Ulcerative Colitis||Requiring surgery|
*The eligible occupations for HIV caught at work are: The emergency services – police, fire, ambulance, The medical profession – including administrators, cleaners, dentists, doctors, nurses and porters, the armed forces.