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Serious Illness Cover

The illnesses below are usually covered by Serious Illness Cover

Cancer
  • Acute Lymphoblastic Leukaemia
  • Acute Myeloid Leukaemia
  • Advanced Aplastic Anaemia
  • Advanced cancer, classified as a TNM Group Stage III tumour or above
  • Advanced Chronic Lymphocytic Leukaemia, classified as Binet Stage C
  • Advanced Hodgkin’s disease, classified as Ann-Arbor Stage III or above
  • Advanced Non-Hodgkin’s Lymphoma, classified as Ann-Arbor Stage III or above
  • Chronic Myeloid Leukaemia
  • Advanced cancer, classified as a TNM Group Stage II tumour
  • Advanced Hodgkin’s disease, classified as Ann-Arbor Stage II
  • Advanced Non-Hodgkin’s Lymphoma, classified as Ann-Arbor Stage II
  • Multiple Myeloma
  • Myelodysplasia, classified as Intermediate 1 under the International Prognostic Scoring System
  • Cancer – excluding less advanced cases
  • Low-grade prostate cancer
  • Carcinoma in-situ of the oesophagus – requiring surgery
  • Marrow Aplasia
  • Mastectomy for Carcinoma in-situ of the breast
  • Myelodysplasia, classified as low risk on the International Prognostic Scoring System
  • Lumpectomy for Carcinoma in-situ of the breast
  • Carcinoma in situ
  • Non-Melanoma Skin Cancer – Squamous Cell and Basel Cell Carcinomas of specified severity
Connective Tissue Disease
  • Giant Cell Arteritis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Polyarteritis Nodosa, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Polymyositis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Rheumatoid Arthritis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Wegener’s Granulomatosis, causing the permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Giant Cell Arteritis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Polyarteritis Nodosa, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Polymyositis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Rheumatoid Arthritis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Wegener’s Granulomatosis, causing the permanent inability to perform at least 3 out of 6 Functional Activity Tests
  • Giant Cell Arteritis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Polyarteritis Nodosa, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Polymyositis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Rheumatoid Arthritis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Wegener’s Granulomatosis, causing the permanent inability to perform at least 2 out of 6 Functional Activity Tests
  • Giant Cell Arteritis causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Polyarteritis Nodosa, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Polymyositis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Rheumatoid Arthritis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Systemic Lupus Erythematosis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Systemic Sclerosis (Scleroderma), causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • Wegener’s Granulomatosis, causing the permanent inability to perform at least 1 out of 6 Functional Activity Tests
  • A definite diagnosis of Giant Cell Arteritis
  • A definite diagnosis of Polyarteritis Nodosa
  • A definite diagnosis of Polymyositis
  • A definite diagnosis of Rheumatoid Arthritis
  • A definite diagnosis of Systemic Lupus Erythematosis
  • A definite diagnosis of Systemic Sclerosis (Scleroderma)
  • A definite diagnosis of Wegener’s Granulomatosis
  • Pemphigus Vulgaris
Ear
  • Deafness – permanent and irreversible
  • Significant hearing loss in both ears
  • Radical Mastoid surgery
Endochrine and metabolic diseases
  • Diabetes Insipidus (restricted to one payment)
  • Insulin dependent diabetes mellitus (type1)
  • Sheehan’s syndrome (restricted to one payment)
  • Thyrotoxic crisis (restricted to one payment)
  • Acromegaly (restricted to one payment)
  • Addison’s disease (restricted to one payment)
  • Adrenalectomy (restricted to one payment)
  • Conn’s syndrome (restricted to one payment)
  • Cushing’s syndrome (restricted to one payment)
  • Insulinoma (restricted to one payment)
  • Pheochromocytoma (restricted to one payment)
  • Radiotherapy to the pituitary gland (restricted to one payment)
  • Simmond’s disease (restricted to one payment)
  • Surgical removal of the pituitary gland (restricted to one payment)
Eye
  • Blindness – permanent and irreversible
  • Severe visual impairment
  • Significant visual impairment
  • Central blindness
  • Blindness in one eye
  • Surgical removal of one eye
  • Tunnel vision
  • Surgical repair of a detached retina
Gastrointestinal
  • Fulminant hepatic necrosis
  • Permanent faecal incontinence
  • Severe cirrhosis of the liver
  • Sclerosing cholangitis
  • Severe Inflammatory Crohn’s Disease
  • Chronic pancreatitis
  • Severe Gastrointestinal Disease – requiring hospitalisation
  • Total colectomy
  • Chronic inflammatory hepatitis
  • Cirrhosis of the liver
  • Loss of use of more than one third of the tongue
  • Partial hepatectomy
  • Portal vein thrombosis
  • Permanent rectal fistula
  • Moderately Severe Inflammatory Crohn’s Disease
  • Surgical Repair of a tracheal-oesophageal fistula
Heart and artery
  • Any other cardiac condition resulting in a permanent ejection fraction of 39% or less whilst on optimal therapy
  • Cardiomyopathy resulting in a permanent ejection fraction of 39% or less whilst on optimal therapy
  • Congestive heart failure (at least 4 signs of failure on optimal therapy, for at least 6 months)
  • Heart attack resulting in a permanent ejection fraction of 39% or less whilst on optimal therapy
  • Severe peripheral vascular disease
  • Severe vascular disease affecting multiple systems with a diastolic blood pressure greater than 110mmHg on optimal therapy
  • Hypertrophic Cardiomyopathy – resulting in maximal LV wall thickness greater than 25mm
  • Any other cardiac condition resulting in a permanent ejection fraction of between 40% and 45% whilst on optimal therapy
  • Aorta graft surgery
  • By-pass graft surgery to 3 or more coronary arteries
  • Cardiomyopathy resulting in a permanent ejection fraction of between 40% and 45% whilst on optimal therapy
  • Heart attack resulting in a permanent ejection fraction of between 40% and 45% whilst on optimal therapy
  • Hypertrophic Cardiomyopathy – resulting in maximal LV wall thickness of between 15mm and 25mm
  • Coronary artery by-pass grafts – with surgery to divide the breastbone
  • Heart Attack – of specified severity
  • Heart Attack
  • Endovascular repair of an aortic aneurysm
  • Heart valve replacement or repair
  • Surgical repair of a structural lesion of the heart
  • Balloon valvuloplasty
  • Endovascular heart valve replacement
  • Femoral artery aneurysm repair
  • Iliac artery aneurysm repair
  • Pericardectomy
  • Surgery to correct carotid artery stenosis
  • Angioplasty (Coronary) or PTCA (Percutaneous Transluminal Coronary Angioplasty) with or without stent (restricted to one payment only)
  • Angioplasty to correct carotid artery stenosis (restricted to one payment only)
  • Cardioversion for cardiac arrhythmia (restricted to one payment only)
  • Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation (restricted to one payment only)
  • Infective endocarditis (restricted to one payment only)
  • Keyhole coronary artery bypass surgery (restricted to one payment only)
  • Permanent defibrillator insertion (restricted to one payment only)
  • Permanent pacemaker insertion (restricted to one payment only)
  • Surgery for cardiac arrhythmia (restricted to one payment only)
  • Surgical repair of an atrial or ventricular septal defect (restricted to one payment only)
HIV
  • Accidental HIV – caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation
Major organ transplant
  • Bone marrow transplant as a recipient
  • Heart or heart and lung transplant
  • Inclusion on an official UK waiting list for the transplantation of a heart, or a heart and lung
  • Inclusion on an official UK waiting list for the transplantation of a kidney
  • Inclusion on an official UK waiting list for the transplantation of a liver
  • Inclusion on an official UK waiting list for the transplantation of a lung, or a heart and lung
  • Inclusion on an official UK waiting list for the transplantation of a pancreas
  • Inclusion on an official UK waiting list for the transplantation of bone marrow
  • Kidney transplant as a recipient
  • Liver transplant as a recipient
  • Lung, or heart and lung transplant
  • Major Organ Transplant – bone marrow, heart, kidney, liver, lung, or pancreas, or inclusion on an official UK waiting list for such a procedure
  • Pancreas transplant as a recipient
Musculoskeletal trauma
  • Loss of hands or feet – permanent physical severance
  • Third degree burns – covering 20% of the body’s surface area
  • Less extensive third degree burns covering 15% of the body’s surface area
  • Loss of a single limb
  • Less extensive third degree burns covering 10% of the body’s surface area
  • Loss of a single hand or foot
  • Loss of use of a whole hand
  • Surgical re-attachment of an amputated limb
  • Le Fort III reconstruction
  • Less extensive third degree burns covering 5% of the body’s surface area
  • Amputation of two or more fingers or thumbs at the metacarpal bone
Permanent disability
  • Cauda Equina
  • Permanent inability to perform at least 4 out of 6 Functional Activity Tests
  • Persistent confusional state
  • Total and permanent disability (nominated occupation) – of specified severity
  • Total lack of social interaction (ongoing medical treatment from a psychiatrist for more than 2 years, AND more than 2 in-patient
  • admissions, each greater than one week, AND total lack of social interaction of any kind, AND the permanent inability to carry out all of the
  • following: answering the telephone; holding a face-to-face conversation for at least five minutes; travelling fifty metres outside using all available aids)
  • Permanent inability to perform at least 2 out of 6 Functional Activity Tests
Respiratory
  • Cor pulmonale
  • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of 34% of predicted or less
  • Primary pulmonary hypertension
  • Chronic obstructive pulmonary disease (stage IV )
  • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of between 35% and 39% of predicted
  • Home oxygen therapy
  • Removal of two or more lobes of the lungs
  • Chronic obstructive pulmonary disease (stage III)
  • Fibrotic Lung Disease with a Transfer factor (or Diffusing Capacity) for carbon monoxide (Dco) of between 40% and 49% of predicted
  • Removal of one lobe of the lungs
  • Pleurectomy
  • Pulmonary embolus
  • Surgical drainage of a lung abscess
  • Surgical drainage of empyema
  • Fibrotic lung disease with a transfer factor (or diffusing capacity) for carbon monoxide (Dco) of between 50% and 55% of predicted
  • Mechanical ventilatory support for near drowning
Stroke and nervous systems
  • Alzheimer’s disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Any neurological disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Benign brain tumour causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Coma causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Dementia causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Encephalitis causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Loss of manual dexterity
  • Loss of muscle power resulting in the inability to grip
  • Loss of speech – resulting in permanent symptoms
  • Motor neurone disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Multiple Sclerosis causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Muscular Dystrophy causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Paralysis of limbs – total and irreversible
  • Parkinson’s disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Persistent vegetative state
  • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Stroke with a residual deficit measuring 4 or above on the Modified Rankin Scale
  • Traumatic head injury causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
  • Alzheimer’s disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Any neurological disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Benign brain tumour causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Bilateral hemianopia
  • Coma causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Dementia causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Encephalitis causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Guillain-Barre Syndrome
  • Motor neurone disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Multiple Sclerosis causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Muscular Dystrophy causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Parkinson’s disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Stroke with a residual deficit measuring at least 3 on the Modified Rankin Scale
  • Traumatic head injury causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
  • Alzheimer’s disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Any neurological disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Benign brain tumour causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Coma causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Creutzfeldt-Jakob disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Dementia causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Encephalitis causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Motor neurone disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Multiple Sclerosis causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Muscular Dystrophy causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Parkinson’s disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Progressive Supra-nuclear palsy causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Stroke with a residual deficit measuring at least 2 on the Modified Rankin Scale
  • Surgery for drug resistant epilepsy
  • Traumatic head injury causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
  • Alzheimer’s disease – resulting in permanent symptoms
  • Benign brain tumour – resulting in permanent symptoms
  • Coma – resulting in permanent symptoms
  • Craniotomy
  • Craniotomy to treat a cerebral arteriovenous malformation
  • Creutzfeldt-Jakob disease – resulting in permanent symptoms
  • Dementia – resulting in permanent symptoms
  • Drainage of brain abscess by craniotomy
  • Encephalitis – resulting in permanent symptoms
  • Functional surgery for movement disorders
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple Sclerosis – resulting in current symptoms
  • Muscular Dystrophy
  • Parkinson’s disease – resulting in permanent symptoms
  • Progressive Supra-nuclear palsy – resulting in permanent symptoms
  • Shunt insertion for hydrocephalus (restricted to one payment only)
  • Spinal Tumour
  • Stroke – resulting in permanent symptoms
  • Stroke
  • Traumatic head injury – resulting in permanent symptoms
  • Endovascular treatment of a cerebral arteriovenous malformation
  • Surgical repair of depressed skull fracture
  • Bacterial meningitis
  • Stereotactic brain surgery
  • Alzheimers Disease
  • Benign Brain Tumour
  • Coma
  • Creutzfeldt-Jakob Disease
  • Dementia
  • Encephalitis
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Parkinson’s Disease
  • Progressive Supra-nuclear Palsy
  • Traumatic Head Injury – with clinical symptoms

 

Urogenital and kidney
  • Kidney failure – requiring dialysis
  • Severe chronic renal impairment
  • Chronic renal impairment
  • Cystectomy
  • Acute renal dialysis
  • Nephrectomy
  • Partial cystectomy
  • Bilateral orchidectomy
  • Partial nephrectomy
  • Surgical repair of a kidney
  • Bladder fistula

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