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


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



    • 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+




    • Blindness - permanent and irreversible                                                                                                                                                                                ABI+
    • Deafness - permanent and irreversible                                                                                                                                                                                 ABI+
    • Loss of hand or foot - permanent physical severence
    • 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) and Neuroendocrine tumour (NET) of low malignant potential
    • 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



    • 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


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