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What's covered.
As a leading provider for Group Critical Illness Cover, we continually review the conditions we cover to meet changing needs of customers. We can cover a total of 38 conditions together under our core and additional options.
The conditions under our core range are standard for all our Group Critical Illness Cover policies, with the option of including the additional range at an extra cost.
Cover for children
The member's children who are between six months and 18 years of age are automatically covered at no extra cost. This will cover any natural child, legally adopted child or step child of the person covered in the policy.
We’ll normally pay benefits up to a maximum of £20,000 or 25% of the member’s benefit level (whichever is lowest).
Spouse and registered civil partners
We can provide cover for the member's spouse or registered civil partner up to a maximum benefit of the member's benefit or £150,000, whichever is less.
Conditions we cover
Standard cover for all group critical illness cover policies
- Alzheimer’s disease* - resulting in permanent symptoms
- Cancer (including Hodgkin’s disease)* - excluding less advanced cases
- Coronary artery by-pass grafts* - with surgery to divide the breastbone
- Creutzfeldt-Jakob disease (CJD) - resulting in permanent symptoms
- Heart attack** - of specified severity
- Kidney failure* - requiring dialysis
- Major organ transplant*
- Motor neurone disease* - resulting in permanent symptoms
- Multiple sclerosis* - with persisting symptoms
- Parkinson’s disease* - resulting in permanent symptoms
- Pre-senile dementia - resulting in permanent symptoms
- Stroke* - resulting in permanent symptoms
The additional option can be provided at an extra cost.
- Angioplasty - to treat specific conditions of specified severity
- Aorta graft surgery** - requiring surgical replacement
- Aplastic Anaemia – with permanent bone marrow failure
- Bacterial Meningitis – resulting in permanent neurological deficit
- Balloon valvuloplasty - to relieve heart valvular abnormalities
- Benign brain tumour* - resulting in permanent symptoms
- Blindness* - permanent and irreversible
- Cardiomyopathy – of specified severity
- Coma** - resulting in permanent symptoms
- Deafness* - permanent and irreversible
- Encephalitis – resulting in permanent symptoms
- Heart surgery - with surgery to divide the breastbone
- Heart valve replacement or repair* - with surgery to divide the breastbone
- HIV infection* - caught in a specified country(#) from a blood transfusion, a physical assault or at work in an eligible occupation(see below)***
- Liver Failure – of advanced stage
- Loss of hands or feet* - permanent physical severance
- Loss of independent existence (including muscular dystrophy) - permanent and irreversible
- Loss of speech* - permanent and irreversible
- Paralysis of limbs* - total and irreversible
- Pulmonary artery surgery - to excise and replace with a graft
- Respiratory failure - of advanced stage
- Rheumatoid arthritis - of specified severity
- Terminal illness before the greater of age 65 or state pension age
- Third degree burns* - covering 20% of the body’s surface area
- Total and permanent disability - permanent, irreversible and before the greater of age 65 or state pension age
- Traumatic head injury* - resulting in permanent symptoms
*Indicates the use of the Association of British Insurers (ABI) Statement of Best Practice (February 2011) approved conditions definition.
** Indicates an improvement to the ABI Statement of Best Practice (February 2011) approved condition definition.
*** HIV infection – The eligible occupations for HIV caught at work are:
- The emergency services – police, fire, ambulance.
- The medical profession – including administrators, cleaners, dentists, doctors, nurses and porters.
- The armed forces.
# The specified countries for HIV infection are Australia, Channel Islands, Canada, a European Union country, the Isle of Man, Japan, New Zealand and USA.
You can get a copy of the ABI Statement of Best Practice (February 2011) here or by visiting their website.
These headings are only a guide to what is covered. The full definitions of the condition are contained in the policy and will also be included with our quote. These typically use medical terms to describe the conditions, and in some cases the cover may be limited. For example:
- Some types of cancers are not covered.
- To make a claim for some conditions the member needs to have permanent symptoms.
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