Critical Illness Cover is designed to pay out if you were diagnosed with one of the conditions that we cover and are eligible to claim during the policy term.
Below is a complete list of the 41 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 maker a claim for some illnesses, you need to have permanent symptoms.
For more detailed information on each condition please read our Guide to Critical Illness Cover PDF (PDF: 908KB) Further details about the benefits can be found in Key Features Document PDF which you should read carefully.
|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|
|Cardiomyopathy||of specified severity|
|Cardiac Arrest||with insertion of a defibrillator|
|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||with current 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 permanent symptoms|
|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|
Additional cover for ductal carcinoma in situ of the breast and low grade prostate cancer definitions. This means that if you meet our definition for ductal carcinoma in situ of the breast or low grade prostate cancer, 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 also 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, as shown below.
If your total and permanent disability definition is own occupation, but you're not in paid employment at the time of a claim, your claim will be assessed under the Specified Work Tasks definition below.
Loss of the physical or mental ability through an illness or injury to the extent that you are unable to do the material and substantial duties of your own occupation ever again. The material and substantial duties are those that are normally required for, and/or form a significant and integral part of the performance of your own occupation that cannot reasonably be omitted or modified.
Own occupation means your trade, profession or type of work you do for profit or pay. It is not a specific job with any particular employer and is irrespective of location and availability.
The relevant specialist must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or you expect to retire.
For the above definition, disabilities for which relevant specialists cannot give a clear prognosis are not covered.
Loss of the physical ability through an illness or injury to do at least three of the six work tasks listed below, ever again.
The relevant specialists must reasonably expect that the disability will last throughout life with no prospect of improvement, irrespective of when the cover ends or you expect to retire.
You must need the help or supervision of another person and be unable to perform the task on your own, even with the use of special equipment routinely available to help and having taken any appropriate prescribed medication.
The specified work tasks are:
For the above definition, disabilities for which the relevant specialists cannot give a clear prognosis are not covered.
Visit our Contact Us section for useful telephone numbers, email and postal addresses.
Visit our claims section for all the information and contact details you'll need when making a critical illness claim.
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