Critical Illness – what is covered

Posted by Deepak
August 20, 2008

Critical Illness cover is designed to help cover those critical illnesses which could have a severe impact on your lifestyle. If you choose to buy critical illness cover, it will only pay out if you are diagnosed with a specified critical illness or disability listed in your policy.

Illnesses covered are generally in line with the views of critical illness held by the medical profession and the Association of British Insurer’s but can vary dramatically from company to company. The lower priced premiums offered by some insurers do not always constitute the most comprehensive cover and as such it is important that a professional advisor be consulted. This will ensure you get the most comprehensive cover for the best price.

Below is a list of specified critical illnesses and disabilities covered by most plans.

Please remember that the heading of each critical illness is only a guide to what is covered. Further details, including the full definitions used by each insurer together with the evidence they will need will be in your policy wording.

• 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 permanent symptoms
• Blindness permanent and irreversible
• Cancer excluding less advanced cases
• Cardiomyopathy of specified severity
• Coma resulting in permanent symptoms
• Coronary Artery By-Pass Grafts with surgery to divide the breastbone
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 to divide the breastbone
• HIV infection caught from a blood transfusion, physical assault or accident at work
• Kidney failure requiring dialysis
• Liver failure of advanced stage
• Loss of hands or feet permanent physical severance
• Loss of Speech permanent and irreversible
Major Organ Transplant
• Motor Neurone Disease resulting in permanent symptoms
• Multiple Sclerosis with persisting symptoms
• Paralysis of limbs total and irreversible
• Parkinson’s Disease resulting in permanent symptoms
• Primary Pulmonary Hypertension of specified severity
Progressive Supranuclear Palsy resulting in permanent symptoms
• Respiratory failure of advanced stage
• Stroke resulting in permanent symptoms
• Systemic Lupus Erythematosus with severe complications
• Terminal Illness
• Third Degree Burns covering 20% of the body’s surface area
• Total and Permanent Disability
• Traumatic head injury resulting in permanent symptoms

Risk factors
Since life insurance with critical illness cover is an important financial safety net, it is essential that you provide your insurer with all the facts. Failure to mention a medical condition may result in your insurer refusing to meet your Critical Illness claim. It will be always be wiser to tell your insurer if in any doubt at all.

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