What Illnesses are Covered by Critical Illness Life Insurance

The complete list of Critical Illness conditions we cover is set out below. These headings are only a guide to what is covered. You'll find the full definitions of the crucial illnesses covered as well as the circumstances in which you are able to claim within the policy provisions. These usually use medical terms to describe the vital illness and in some situations the cover might be limited.

For example:

some sorts of cancer aren't covered

to make a claim for many of the illnesses listed beneath, you will need to have either permanent symptoms/irreversible symptoms or permanent and irreversible symptoms

The critical illnesses we cover are:

Alzheimer's Illness - resulting in permanent symptoms

Aorta Graft Surgery - for disease

Bacterial Meningitis -resulting in permanent symptoms

Benign Brain Tumour - resulting in permanent symptoms

Blindness - permanent and irreversible

Bone Marrow Failure - permanent and irreversible

Cancer - excluding less advanced instances

Coma - resulting in permanent symptoms

Coronary Artery By-pass Grafts - with surgery to divide the breastbone

Creutzfeldt-Jakob Disease (CJD)

Deafness - permanent and irreversible

Heart Attack - of specified severity

Heart Valve Replacement or Repair - with surgery to divide the breastbone

HIV Infection - caught within 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

Big Organ Transplant

Motor Neurone Illness - resulting in permanent symptoms

Several Sclerosis - with persisting symptoms

Paralysis of Limbs - total and irreversible

Parkinson's Illness - resulting in permanent symptoms

Progressive Supranuclear Palsy

Stroke - resulting in permanent symptoms

Third Degree Burns - covering 20% in the body's surface area

Total Permanent Disability

Traumatic Head Injury - resulting in permanent symptoms

* 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.

You can find full definitions of the essential illnesses we cover in provision 5 of the policy provisions. You may ask us for a copy of this booklet at any time.