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

41 conditions

Additional conditions

8 additional conditions

Additional children's conditions

5 conditions

ABI+

18 ABI+ conditions

Quickly reference our conditions below, or download our Critical Illness guide (PDF) for a more in-depth view.

  • Aorta graft surgery – for disease or trauma

    ABI+

    Aplastic anaemia –  with permanent bone marrow failure

     

    Bacterial meningitis

     

    Benign brain tumour –  resulting in clinical symptoms or surgery

    ABI+

    Benign spinal cord tumour – resulting in clinical symptoms or surgery

     

    Blindness – permanent and irreversible

    ABI+

    Brain injury due to anoxia or hypoxia – resulting in permanent symptoms

     

    Cancer – excluding less advanced cases

    ABI+

    Cardiac arrest – with insertion of a defibrillator

     

    Cardiomyopathy – of specified severity

     

    Coma

    ABI+

    Coronary artery by-pass grafts

    ABI+

    Creutzfeldt-Jakob disease – resulting in permanent symptoms

     

    Deafness – permanent and irreversible

     

    Dementia including Alzheimer's disease – resulting in permanent symptoms

    ABI+ 

    Encephalitis – with persisting clinical symptoms

     

    Heart attack

    ABI+

    Heart valve replacement or repair

    ABI+

    HIV infection – caught in the European Union, North America, Australia or New Zealand from a blood transfusion, a physical assault or at work

    ABI+

    Intensive care cover – requiring mechanical ventilation for 10 days

     

    Kidney failure – requiring permanent dialysis

     

    Liver failure – of advanced stage

     

    Loss of hand or foot – permanent physical severance

    ABI+

    Loss of speech – permanent and irreversible

     

    Major organ transplant – from another donor

    ABI+

    Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms

    ABI+

    Multiple sclerosis

    ABI+

    Neuromyelitis optica (Devic's disease) – with persisting symptoms

     

    Paralysis of limb – total and irreversible

    ABI+

    Parkinson plus syndrome – resulting in permanent symptoms

     

    Parkinson’s disease – resulting in permanent symptoms

    ABI+

    Pulmonary arterial hypertension (idiopathic) – of specified severity

     

    Pulmonary artery surgery – with graft

     

    Respiratory failure – of advanced stage

     

    Spinal stroke – resulting in permanent symptoms

     

    Stroke – of specified severity

    ABI+

    Structural/open heart surgery

     

    Systemic Lupus Erythematosus (SLE) – of specified severity

     

    Third degree burns – of specified extent

    ABI+

    Total permanent disability – work task or own occupation definition

     

    Traumatic brain injury – resulting in permanent symptoms

     

  • Carcinoma in situ – with surgery

     

    Carcinoma in situ of the urinary bladder

     

    Cerebral aneurysm – with surgery or radiotherapy

     

    Cerebral arteriovenous malformation – with surgery or radiotherapy

     

    Coronary artery angioplasty – to 2 or more coronary arteries

     

    Low grade prostate cancer – requiring treatment

     

    Ovarian tumour of borderline malignancy – with specific surgery

     

    Pituitary tumour – resulting in permanent symptoms or surgery  
  • Cerebral palsy – resulting in permanent symptoms

     

    Cystic fibrosis

     

    Hydrocephalus – with insertion of a shunt

     

    Muscular dystrophy

     

    Spina bifida myelomeningocele or rachischisis

     

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