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Critical Illness Cover

Many are more inclined to purchase Life Insurance, but what about Critical Illness Cover?

The reality is you are much more likely to develop a critical illness than you are to die. This cover pays out a lump sum if you are diagnosed with a listed critical illness under your policy. This money could be used for anything, medical treatment, cover adaptations to the home, generally paying bills – anything!

The following illnesses are usually covered by Critical Illness Cover:

  • Aorta graft surgery – requiring surgical replacement
  • Benign brain tumour – resulting in either surgical removal or permanent symptoms
  • Cancer – excluding less advanced cases
  • Coma – resulting in permanent symptoms
  • Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotamy
  • Heart attack – of specified severity
  • Heart valve replacement or repair – with surgery
  • HIV infection – caught from a blood transfusion, physical assault or at work
  • Loss of a hand or foot – permanent physical severance
  • Major organ transplant
  • Multiple sclerosis – with current symptoms
  • Paralysis of a limb – total and irreversible
  • Parkinson’s disease – resulting in permanent symptoms
  • Stroke – resulting in permanent symptoms
  • Third degree burns – covering 20% of the surface area of the body or 20% of the face or head

The other critical illnesses we cover are:

  • Alzheimer’s disease – resulting in permanent symptoms
  • Aplastic anaemia – with permanent bone marrow failure
  • Bacterial meningitis – resulting in permanent symptoms
  • Blindness – permanent and irreversible
  • Cardiac arrest – with insertion of a defibrillator
  • Cardiomyopathy – of specified severity
  • Creutzfeldt-Jakob disease (CJD) – resulting in permanent symptoms
  • Deafness – permanent and irreversible
  • Dementia – resulting in permanent symptoms
  • Encephalitis – resulting in permanent symptoms·
  • Kidney failure – requiring dialysis
  • Liver failure – of advanced stage
  • Loss of speech – permanent and irreversible
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple system atrophy – resulting in permanent symptoms
  • Open heart surgery – with median sternotomy
  • Primary pulmonary hypertension – of specified severity
  • Progressive supranuclear palsy – resulting in permanent symptom
  • Removal of an eyeball – due to injury or disease
  • Respiratory failure – of advanced stage
  • Systemic lupus erythematosus – with severe complications
  • Traumatic head injury – resulting in permanent symptoms

Life Insurance

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You can apply online or compare leading providers with expert advice.

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