Critical Illnesses covered

The Association of British Insurers (ABI) sets a standard definition of each condition in their statement of best practice for Critical Illness Cover. Our policies follow the ABI and in many instances exceed their standard. We also cover additional conditions not included in their guidelines.

The critical illnesses covered in our policies are listed below; full definitions can be found in the Guide to Critical Illness Cover which can be downloaded from the key documents box on the right hand side of this page. 

CIC
CRITICAL ILLNESSES ABI DEFINITION
Aorta graft surgery - requiring surgical replacement  Exceeds ABI defintion 
Aplastic anemia - categorised as very severe In addition to ABI illnesses 
Bacterial meningitis - resulting in permanent symptoms  In addition to ABI illnesses 
Benign brain tumour - resulting in either specified treatment or permanent symptoms Exceeds ABI definition 
Blindness - permanent and irreversible   Exceeds ABI defintion 
Cancer - excluding less advanced cases Exceeds ABI definition
Cardiac arrest - with insertion of a defibrillator In addition to ABI illnesses
Cardiomyopathy - of specified severity or resulting in specified treatment  In addition to ABI illnesses 
Coma - with associated permanent symptoms  Exceeds ABI definition 
Coronary artery bypass grafts - with surgery to divide the breastbone or thoracotomy Exceeds ABI definition 
Creutzfeldt-Jakob Disease (CJD) - resulting in permanent symptoms  In addition to ABI illnesses 
Deafness - permanent and irreversible   Exceeds ABI definition 
Dementia including Alzheimer's disease - resulting in permanent symptoms  Exceeds ABI definition 
Encephalitis - resulting in permanent symptoms  In addition to ABI illnesses 
Heart attack - of specified severity   Exceeds ABI definition 
Heart valve replacement or repair - with surgery  Exceeds ABI definition 
HIV infection - caught from a blood transfusion, physical assault or accident at work  Exceeds ABI definition 
Kennedy's disease - resulting in permanent symptoms  In addition to ABI illnesses 
Kidney failure - requiring permanent dialysis  Meets ABI definition 
Liver failure - of advanced stage  In addition to ABI illnesses 
Loss of hand or foot - permanent physical severance  Exceeds ABI definition 
Loss of speech - total permanent and irreversible  Meets ABI definition 
Major organ transplant - from another donor  Exceeds ABI definition 
Motor neurone disease - resulting in permanent symptoms Exceeds ABI definition 
Multiple sclerosis - where there have been symptoms  Exceeds ABI definition 
Open heart surgery - with surgery to divide the breastbone or thoracotomy In addition to ABI illnesses
Paralysis of limb - total and irreversible  Exceeds ABI definition 
Parkinson's disease - resulting in permanent symptoms Exceeds ABI definition  
Primary pulmonary hypertension - of specified severity  In addition to ABI illnesses 
Respiratory failure - of advance stage  In addition to ABI illnesses 
Spinal Stroke - resulting in symptoms lasting at least 24 hours  In addition to ABI illnesses 
Stroke - resulting in symptoms lasting at least 24 hours Exceeds ABI definition 
Systemic lupus erythematosus - with severe complications  In addition to ABI illnesses
Third degree burns - covering 20% of the surface area of the body or 20% of the face or head Exceeds ABI definition  
Traumatic brain injury - resulting in permanent symptoms Meets ABI defintion 
Add cic
ADDITIONAL COVER AUTOMATICALLY COVERED WITH OUR CRITICAL ILLNESS POLICIES
Carcinoma in situ of the breast - treated by surgery
Low grade prostate cancer - requiring treatment
The cover provided under these definitions is in addition to the main plan. If your client makes a valid claim we'll pay out 25% of the amount of cover, up to a maximum of £25,000. This pay out is separate from the main plan and will not affect their chosen cover or the premiums in which they pay, ensuring that the overall amount of cover remains intact.
TPD
OPTIONAL COVER FOR AN ADDITIONAL COST FROM OUTSET
 Total and Permanent Disability - of specified severity
This can be added to your client's policy for an additional cost at outset. This is defined in two ways depending on the kind of job that your client does and whether or not they are paid for the work that they do. More information can be also be found Guide to CIC or Product Profiles 

TIC
TERMINAL ILLNESS
Provides cover for illnesses or conditions where in the opinion of the hospital consultant and our medical officer, life expectancy is 12 months or less. Terminal Illness is not available on policies of less than two years.