Our priority is to help customers when they are at their most vulnerable and to pay as many claims as we can as soon as we can
Critical Illness Cover is designed to pay out if you were diagnosed with one of the specified conditions that we cover and are eligible to claim during the length of your policy.
Below is a complete list of the conditions that the plan covers.
These headings typically use medical terms to describe the illness, but in some cases the cover may be limited. For example, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.
|Alzheimer's disease||resulting in permanent symptoms|
|Aorta graft surgery||requiring surgical replacement|
|Aplastic anaemia||with permanent bone marrow failure|
|Bacterial meningitis||resulting in permanent symptoms|
|Benign brain tumour||resulting in either surgical removal or permanent symptoms|
|Blindness||permanent and irreversible|
|Cancer||excluding less advanced cases|
|Cardiac Arrest||with insertion of a defibrillator|
|Cardiomyopathy||of specified severity|
|Coma||resulting in permanent symptoms|
|Coronary artery by-pass grafts||with surgery to divide the breast bone or anterolateral thoracotomy|
|Creutzfeldt-Jakob Disease (CJD)||resulting in permanent symptoms|
|Deafness||permanent and irreversible|
|Dementia||resulting in permanent symptoms|
|Encephalitis||resulting in permanent symptoms|
|Heart attack||of specified severity|
|Heart valve replacement or repair||with surgery|
|HIV infection||caught from a blood transfusion, physical assault or accident at work|
|Kidney failure||requiring dialysis|
|Liver failure||of advanced stage|
|Loss of hand or foot||permanent physical severance|
|Loss of speech||permanent and irreversible|
|Major organ transplant|
|Motor neurone disease||resulting in permanent symptoms|
|Multiple sclerosis||where there have been symptoms|
|Multiple system atrophy||resulting in permanent symptoms|
|Open heart surgery||with median sternotomy|
|Paralysis of a limb||total and irreversible|
|Parkinson's disease||resulting in permanent symptoms|
|Primary pulmonary hypertension||of specified severity|
|Progressive supranuclear palsy||resulting in permanent symptoms|
|Removal of an eyeball||due to injury or disease|
|Respiratory failure||of advanced stage|
|Stroke||resulting in symptoms lasting a least 24 hours|
|Systemic lupus erythematosus||with severe complications|
|Third degree burns||covering 20% of the surface area of the body or 20% of the face or head|
|Total and permanent disability*||of specified severity|
|Traumatic head injury||resulting in permanent symptoms|
We provide additional cover for Carcinoma in situ of the breast and low grade prostate cancer. This means if you meet our definitions we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay.
The policy will pay out if you're diagnosed with a terminal illness before the last 12 months of the policy and you meet our definition. Read more about the terms and conditions.
*Total and Permanent Disability
There are two definitions of total and permanent disability - Own Occupation and Specified Work Tasks. The full definitions and details on when you can claim are in our Guide to critical illness cover (PDF: 117KB) and Policy Terms and Conditions PDF: 197KB
We have two great products to suit different needs, Extra and Essentials. Whichever option you choose, you'll get the same great service from a name you can trust.
Visit our claims section for all the information and contact details you'll need when making a critical illness claim.
Placing your life insurance policy in trust can also help protect against Inheritance Tax. Visit our Trust Hub for more information.
We aim to manage all of our claims with compassion and competence. To ensure we are able to do this our claims staff are trained by the Samaritans.
We have a great range of insurance products to offer you, such as Home, Car and Pet Insurance.