Critical Illnesses covered.

 Many our definitions exceed those of the ABI. See below:

• Aorta graft surgery – requiring surgical replacement
• Benign brain tumour – resulting in either surgical removal or permanent symptoms
• Cancer – excluding less advanced cases
• Coma – resulting in permanent symptoms
• Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotamy
• Heart attack – of specified severity
• Heart valve replacement or repair – with surgery
• HIV infection – caught from a blood transfusion, physical assault or at work
• Loss of a hand or foot – permanent physical severance
• Major organ transplant
• Multiple sclerosis – with current 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 surface area of the body or 20% of the face or head

The other critical illnesses we cover are:

• Alzheimer’s disease – resulting in permanent symptoms
• Aplastic anaemia – with permanent bone marrow failure
• Bacterial meningitis – resulting in permanent symptoms
• Blindness – permanent and irreversible
• Cardiac arrest - with insertion of a defibrillator
• Cardiomyopathy – of specified severity
• Creutzfeldt-Jakob disease (CJD) – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Dementia – resulting in permanent symptoms
• Encephalitis – resulting in permanent symptoms·
• Kidney failure – requiring dialysis
• Liver failure – of advanced stage
• Loss of speech – permanent and irreversible
• Motor neurone disease – resulting in permanent symptoms
• Multiple system atrophy – resulting in permanent symptoms
• Open heart surgery – with median sternotomy
• Primary pulmonary hypertension – of specified severity
• Progressive supranuclear palsy – resulting in permanent symptom
• Removal of an eyeball – due to injury or disease
• Respiratory failure – of advanced stage
• Systemic lupus erythematosus – with severe complications
• Traumatic head injury – resulting in permanent symptoms

We don’t apply a survival period before a client is eligible to claim.

Optional cover:

• Total and permanent disability - of specified severity 

Additional cover provided with your plan:

• Ductal carcinoma in situ of the breast – treated by surgery
• Low grade prostate cancer - requiring treatment

For these conditions we will pay 25% of the amount of cover up to a maximum of £25,000, in the event of a valid claim. These payments are in addition to the main plan. This cover will not reduce the amount of cover or change the premiums.

Terminal illness - provides cover for illnesses or conditions where in the opinion of your client's hospital consultant and our medical officer, life expectancy is 12 months or less