Your selected question
What critical illnesses does your policy cover?
The complete list of critical illnesses we cover are shown below:
- Alzheimer’s disease - resulting in permanent symptoms
- Balloon valvuloplasty
- Cancer - excluding less advanced cases
- Deafness - permanent and irreversible
- HIV Infection - caught from a blood transfusion in the European Union, Isle of Man or Channel Islands, or as a result of a physical assault or at work in an eligible occupation
- Loss of speech, permanent and irreversible
- Motor neurone disease - resulting in permanent symptoms
- Paralysis of limbs - total and irreversible
- Stroke - resulting in permanent symptoms
- Coronary Angioplasty - to 2 or more coronary arteries
- Benign brain tumour - resulting in permanent symptoms
- Coma - resulting in permanent symptoms
- Heart attack - of specified severity
- Kidney failure - requiring dialysis
- Multiple sclerosis - with persisiting symptoms
- Parkinson’s disease - resulting in permanent symptoms
- Third degree burns - covering 20% of the body's surface area
- Aorta graft surgery - for disease
- Blindness - permanent and irreversible
- Coronary artery by-pass grafts - with surgery to divide the breast bone
- Heart valve replacement/repair - with surgery to divide the breastbone - Heart surgery - with surgery to divide the breastbone
- Loss of hands or feet - permanent physical severance
- Major organ transplant
- Traumatic head injury - resulting in permanent symptoms
- Pulmonary artery surgery
- Total permanent disability
Please remember that the heading of each critical illness is only a guide to what is covered.
The full defintions of the illness covered and the circumstances in which you can claim are given in the policy conitions. These typically use medical terms to describe the illnesses but in some cases the cover may be limited. For example:
- Some types of cancer are not covered
- To make a claim for some illnesses, you need to have a permanent symptom