Critical Illnesses we cover
We aim to make our critical illness definitions easy for your clients to understand. Our approach focuses on providing simple but comprehensive cover where it matters most.
| How our definitions add up | |
|---|---|
Critical Illness conditions which pay the full sum assured |
30 conditions |
Additional conditions |
10 additional conditions |
Additional children's conditions |
5 conditions |
ABI+ |
14 ABI+ conditions |
Quickly reference our conditions below, or download our Critical Illness guide (PDF, 442KB) for a more in-depth view.
-
Cancer
- Invasive cancer ABI +
Heart and arteries
- Cardiomyopathy - of specified severity
- Heart attack ABI +
- Heart failure - of specified severity
- Heart and vascular surgeries* - as specified ABI +
- Aorta graft surgery
- Cardiac arrest
- Coronary artery bypass grafts
- Heart valve replacement or repair
- Pulmonary artery surgery
- Structural heart surgery
- Pulmonary arterial hypertension - of specified severity
Brain and neurological
- Benign tumour of the brain or spinal cord* - resulting in permanent symptoms or specified treatments ABI+
- Brain injury due to trauma or reduced oxygen supply
- Coma ABI+
- Dementia including Alzheimer’s disease - resulting in permanent symptoms ABI+
- Intensive care cover - requiring mechanical ventilation for 10 days
- Motor Neurone Disease (MND) - resulting in permanent symptoms ABI+
- Multiple Sclerosis (MS) ABI+
- Neurological deficit caused by specific conditions:
- Bacterial meningitis
- Creutzfeldt-Jakob Disease (CJD)
- Encephalitis
- Neuromyelitis optica (Devic’s disease)
- Paralysis of limb - total and irreversible
- Parkinson’s disease - resulting in permanent symptoms ABI+
- Parkinson Plus syndromes - resulting in permanent symptoms
- Stroke of the brain or spinal cord ABI+
- Systemic Lupus Erythematosus (SLE) - of specified severity
- Total Permanent Disability - of specified severity - this will only be covered if selected at application stage
Organs
- Aplastic anaemia - with permanent bone marrow failure
- Kidney failure - requiring permanent dialysis
- Liver failure - of advanced stage
- Major organ transplant* - from another donor ABI+
- Respiratory failure - of advanced stage
- Third degree burns - of specified extent ABI+
Senses
- Blindness - permanent and irreversible ABI+
- Deafness - permanent and irreversible ABI+
- Loss of hand or foot - permanent physical severance
- Loss of speech - permanent and irreversible
* If you are on an official UK waiting list for surgery for one of these illnesses, we will make an advanced payment of the amount of your cover.
-
Cancer
- Carcinoma in situ
- Carcinoma in situ of the urinary bladder
- Gastrointestinal stromal tumour (GIST) - low risk with surgery
- Neuroendocrine tumour (NET) – low grade with surgery
- Low grade prostate cancer
- Ovarian tumour of borderline malignancy
- Pituitary tumour
Heart and artery surgeries
- Heart surgeries
- Carotid artery stenosis
- Coronary angioplasty
- Endovascular repair of an aneurysm
- Insertion of an artificial pacemaker
- Peripheral vascular disease
- Infective bacterial endocarditis
Brain and neurological
- Cerebral or spinal aneurysm or arteriovenous malformation
Senses
- Central retinal artery or vein occlusion
-
(all of the full conditions excluding TPD, and the additional conditions, plus those listed below)
- Cerebral palsy – resulting in permanent symptoms
- Cystic fibrosis
- Hydrocephalus – with insertion of a shunt
- Muscular dystrophy
- Spina bifida