What critical illness conditions do you cover?

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We cover 43 conditions where we’ll pay out the full benefit amount if your client meets the definition – these are our main benefit critical illness conditions. This includes 19 ABI+ conditions – giving your clients even more comprehensive cover.

We also cover 15 additional critical illness conditions where we’ll pay a proportion of your clients’ benefit amount if they meet the definition.

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

ABI+

  • Aorta graft surgery – for disease or traumatic injury
  • Benign brain tumour – resulting in permanent symptoms or requiring treatment by invasive surgery
  • Blindness, including significant visual impairment – permanent and irreversible
  • Cancer – excluding less advanced cases
  • Coma – with associated permanent symptoms
  • Coronary artery bypass grafts
  • Deafness - permanent and irreversible
  • Dementia, including Alzheiner's disease - resulting in permanent symptoms
  • Heart attack
  • Heart valve replacement or repair
  • HIV infection – caught in one of the home countries or designated countries* from a blood transfusion or a physical assault or at work
  • Loss of hand or foot – permanent physical severance
  • Major organ transplant – from another donor
  • Motor neurone disease - resulting in permanent symptoms
  • Multiple sclerosis – with persisting symptoms
  • Paralysis of a limb – total and irreversible
  • 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

*Home 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

24 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
  • Intensive care requiring medical ventilation for 10 consecutive days
  • 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
  • Removal of an eyeball – due to injury or disease
  • Respiratory failure – of advanced stage
  • Rheumatoid arthritis – resulting in a loss of the ability to do specified physical activities
  • 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
  • Traumatic brain injury – resulting in permanent symptoms

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

15 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
Critical fracture cover £1,500
Crohn’s disease - with specified severity The lower of 25% of the benefit amount or £25,000 
Donor cover £2,500
Early stage prostate cancer - with specified severity The lower of 25% of the benefit amount or £25,000
Hospitalisation due to accidental injury - for 28 or more consecutive days £5,000
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 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.

You can find full details of all the conditions that we cover in our Guide to our critical illness definitions(Opens new window).

More than just a financial payout

With our critical illness cover, you'll also have access to our health and wellbeing service(Opens new window)(Opens new window), in partnership with Health Assured, at no extra cost. This is available for you and your family to use throughout the life of your policy - not just when you claim.