What critical illness conditions do you cover?

For protection policies only

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The following information relates to the conditions we currently cover for critical illness protection. If you took your policy out before 6 April 2020, you should refer to your policy conditions booklet to find out what conditions are covered.

We cover 39 conditions where we’ll pay out the full benefit amount if you meet the definition - these are our main benefit critical illness conditions. This includes 18 ABI+ conditions - giving you even more comprehensive cover.

We also cover 12 additional critical illness conditions where we’ll pay a proportion of your benefit amount if you meet the definition.

We also offer two child-related benefits for any children, step-children or legally adopted children of the insured person(s).

What’s an ABI+ definition?

The ABI is the Association of British Insurers - the leading trade association for insurers. Eighteen of our critical illness conditions exceed the model definitions set out in the ABI Guide to minimum standards for critical illness cover - giving you more comprehensive cover. We call this ABI+.

For more information and full details of all the conditions that we currently cover, please see our Guide to our critical illness definitions.

ABI+

  • Aorta graft surgery – for disease or traumatic injury
  • Benign brain tumour – resulting in permanent symptoms or specified treatment
  • Blindness, including significant visual impairment – permanent and irreversible
  • Brain injury due to trauma, anoxia or hypoxia – resulting in permanent symptoms
  • Cancer – excluding less advanced cases
  • Coma – with associated permanent symptoms
  • Coronary artery bypass grafts
  • Deafness - permanent and irreversible
  • Dementia, including Alzheimer's disease
  • Heart attack
  • Heart valve replacement or repair
  • Loss of use of entire hand or foot
  • Major organ transplant – from another donor
  • Motor neurone disease - resulting in permanent symptoms
  • Multiple sclerosis – where there are or has been symptoms
  • Parkinson’s disease – resulting in permanent symptoms
  • Stroke – resulting in permanent symptoms
  • Third-degree burns – covering 20% of the body’s surface area, or 50% loss of surface area of the face, or 30% loss of surface area of the head and neck

21 other conditions covered

  • Aplastic anaemia – with permanent bone marrow failure
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign spinal cord tumour – resulting in permanent symptoms
  • Cardiac arrest – resulting in surgically implanted defibrillator
  • Cardiomyopathy – of specified severity
  • Creutzfeldt-Jakob disease (CJD) – resulting in permanent symptoms
  • Encephalitis – resulting in permanent symptoms
  • HIV infection - caught in one of the home countries or designated countriesfrom a blood transfusion or a physical assault or at work
  • Kidney failure – requiring permanent dialysis
  • Liver failure – advanced stage
  • Loss of speech – total, permanent and irreversible
  • Neuromyelitis optica (Devic's disease) - with persisting symptoms
  • Open heart surgery – with surgery to divide the breastbone
  • Parkinson plus syndromes - resulting in permanent symptoms
  • Primary pulmonary hypertension – of specified severity
  • Pulmonary artery graft surgery – for disease only
  • Respiratory failure – of advanced stage
  • Spinal stroke - resulting in permanent symptoms
  • Systemic lupus erythematosus – with severe complications
  • Terminal illness – where death is expected within 12 months
  • Total pneumonectomy – for physical injury or disease

You also have the option of adding total permanent disability benefit to your critical illness cover.

1Home countries: United Kingdom, the Channel Islands or the Isle of Man
Designated countries: European Union, Andorra, Australia, Gibraltar, Liechtenstein, Monaco, San Marino, Turkey, the Vatican City State, New Zealand, Canada, Iceland, Norway, Switzerland or the United States of America

12 additional critical illness conditions

Condition Payment
Borderline ovarian tumour (low malignant potential) - requiring surgery to remove an ovary The lower of 25% of the benefit amount or £25,000
Carcinoma in situ of the breast – requiring surgery to remove the tumour The lower of 25% of the benefit amount or £25,000
Carcinoma in situ of the oesophagus - requiring surgery to remove the tumour The lower of 25% of the benefit amount or £25,000
Carcinoma is situ of the testicle - requiring surgery to remove at least one testicle The lower of 25% of the benefit amount or £25,000
Carcinoma in situ of the urinary bladder The lower of 25% of the benefit amount or £25,000
Central retinal artery occlusion or central retinal vein occlusion (eye stroke) - resulting in permanent visual loss The lower of 25% of the benefit amount or £25,000
Cerebral aneurysm - requiring specified surgical procedures The lower of 25% of the benefit amount or £25,000
Cerebral arteriovenous malformation - requiring specified surgical procedures The lower of 25% of the benefit amount or £25,000
Crohn’s disease - with specified severity The lower of 25% of the benefit amount or £25,000
Low grade prostate cancer - requiring treatment The lower of 25% of the benefit amount or £25,000
Partial loss of sight - permanent and irreversible The lower of 25% of the benefit amount or £25,000
Ulcerative colitis - treated with total colectomy The lower of 25% of the benefit amount or £25,000

Child-related benefits (Personal Protection only)

Condition Payment
Diagnosis of a critical illness or additional critical illness The lower of 50% of the benefit amount or £25,000
Death of a child £5,000

You can claim on any of our main and additional critical illness definitions for your children, up to your total benefit amount.

More than just a financial payout

While our protection policies provide you with financial security, they can also provide support and guidance.

Policy Plus offers a range of support services for no additional cost, whenever you or your immediate family needs them. These services are available throughout the life of your policy, providing you with peace of mind and reassurance.