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Life & Critical Illness

With a total of 63 critical illnesses covered, we’re one of the market leaders

The cornerstones of critical illness cover

With a critical illness, you want to be sure that the cover you choose will be there for when you need it the most. Here're some of the most common conditions our customers claimed on last year.

Cancer

  1. If you were born after 1960, there is a 50% chance you'll be diagnosed with some sort of cancer in your lifetime. In fact, 64% of all our critical illness claims in 2016 were due to cancer.

Heart

  1. Heart related conditions kill more than one in four people in the UK. Every seven minutes someone in the UK will have a heart attack, and every day 435 people will lose their lives to cardiovascular disease.

Stroke

  1. Nationally 25% of those who suffer a stroke are under the age of 65. Strokes are a major health problem and are the single largest cause of disability for the UK .

Our critical illness policy covers strokes as well as a number of different cancer and heart related conditions. Some specific types are covered under our enhanced payment conditions.


The types of critical illnesses we cover

We pay out the full amount of cover for 43 conditions, including cancer, parkinson's disease, heart related conditions, multiple sclerosis and strokes.

For 20 less serious conditions we pay a proportion of your amount of cover. If we pay a claim under one of these conditions, then your policy will still continue for your full amount of cover.

If you are under 45 years of age, for 16 of the 44 conditions covered under 'full payment' we pay more than the original amount you insured yourself for. Some as much as 150%.

List of full conditions

Full payment condition

Explanation

Alzheimer’s disease and other forms of dementia

Alzheimer’s disease or other forms of dementia are covered where they result in permanent symptoms. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Aorta graft surgery

Aorta graft surgery is covered for disease or traumatic injury.

Aplastic anaemia

Aplastic anaemia is completely covered.

Bacterial meningitis

Bacterial meningitis is covered whereby contracting this illness results in permanent symptoms.

Benign brain tumour

A benign brain tumour is classed as a non-malignant tumour or cyst originating from the brain, cranial nerves or meninges within the skull. Brain tumours are completely covered.

Benign spinal cord tumour

Benign spinal cord tumours are covered whereby the tumours result in permanent symptoms.

Blindness

Permanent and irreversible blindness is covered. It is also one of ten full payment conditions treated as an 'enhanced claim payment' if suffered as a result of an accident. Please see the 'enhanced conditions' section further down the page.

Cancer

Cancer is covered with the exception of less advanced cases. Malignant tumours which are positively diagnosed are covered, this includes leukaemia, sarcoma, and lymphoma (except cutaneous lymphoma).

Cardiac arrest

Cardiac arrest is completely covered. You are covered where an appropriate medical specialist has confirmed the diagnosis of a cardiac arrest that results in unconsciousness, loss of effective circulation and resuscitation to sustain life.

Cardiomyopathy

Cardiomyopathy – of specified severity is covered.

Coma

A coma is defined as a state of unconsciousness that requires the use of life support systems. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. It is one of ten full payment conditions treated as an 'enhanced claim payment', please see the 'enhanced conditions' section further down the page.

Coronary artery bypass grafts

Coronary artery bypass grafts are covered.

Creutzfeldt-Jakob disease

Creutzfeldt-Jakob disease is covered.

Deafness

Permanent and irreversible deafness is covered. It is one of ten full payment conditions treated as an 'enhanced claim payment' whereby we will pay out more, please see the 'enhanced conditions' section further down the page.

Encephalitis

Encephalitis is covered where a definite diagnosis has been made that has resulted in permanent neurological deficit with persisting clinical symptoms.

Heart attack

Heart attacks of specified severity are covered.

Heart valve replacement or repair

Heart valve replacement or repair are covered.

HIV infection

HIV infection is covered when it has been caught in a specified list of countries from a blood transfusion, a physical assault or at work.

Idiopathic pulmonary arterial hypertension

Idiopathic pulmonary arterial hypertension of specified severity is covered (where it has caused permanent and irreversible impairment of the heart function).

Kidney failure

Kidney failure which requires permanent dialysis is covered.

Liver failure

Cover is included when diagnosis has been made of irreversible end of stage liver failure due to cirrhosis.

Loss of hands or feet

Permanent physical severance of any hand or foot at or above the wrist or ankle joints is covered. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Loss of independent existence

Loss of independent existence is covered whereby you are unable to look after yourself. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Loss of speech

Permanent and irreversible loss of speech is covered. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Major organ transplant

Major organ transplant from another person, of bone marrow or of a major organ such as the heart, kidney, liver, lung or pancreas are covered.

Motor neurone disease

Where diagnosis of motor neurone disease has been given by a Consultant Neurologist, all forms of motor neurone disease are covered, this includes spinal muscular atrophy. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Multiple sclerosis

If a definite diagnosis of multiple sclerosis disease with persisting symptoms has been given, you are covered.

Multiple system atrophy

Multiple system atrophy – resulting in permanent symptoms is covered. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Neuromyelitis optica (Devic's disease)

You are covered where neuromyelitis optica (Devic's disease) has been diagnosed with persisting symptoms.

Open Heart Surgery

Open heart surgery – to correct a disease or defect of the heart is covered.

Paralysis of a limb

Paralysis of a limb – total and irreversible loss of muscle function to the whole or part of a limb is covered. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Parkinson’s disease

If a definite diagnosis of Parkinson's disease resulting in permanent symptoms has been given, you are covered. There must be permanent clinical impairment of motor function with either associated tremor or muscle rigidity. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Parkinson Plus Syndromes

Parkinson Plus Syndromes is covered where it results in permanent symptoms. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Pneumonectomy

The undergoing of surgery to remove an entire lung (pneumonectomy) for disease or trauma is covered.

Progressive Supranuclear Palsy

You are covered where Progressive Supranuclear Palsy has been diagnosed, resulting in permanent symptoms. If you are under 45, this condition is also eligible for our enhanced payment (please see our 'enhanced conditions' section further down the page).

Pulmonary Artery Surgery

The undergoing of surgery to replace a diseased pulmonary artery is covered.

Severe lung disease

Severe lung disease is covered.

Strokes

You are covered if you suffer a stroke of specified severity.

Removal of an eyeball

The surgical removal of an eyeball as a result of an injury or disease is covered. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Systemic Lupus Erythematosus

You are covered when a Consultant Rheumatologist diagnoses Systemic Lupus Erythematosus.

Terminal illness

Terminal illness where death is expected within the next 12 months is covered.

Third degree burns

Third degree burns are covered where 20% of the body’s surface area or 50% of the area of the face or head are affected. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

Traumatic brain injuries

You are covered for traumatic brain injuries which result in permanent symptoms. It is one of ten full payment conditions treated as an 'enhanced claim payment' where we will payout more. Please see the 'enhanced conditions' section further down the page.

List of additional payment conditions

For 20 less serious conditions we pay a proportion of your amount of cover. If we pay a claim under one of these conditions, then your policy will still continue for your full amount of cover.

Partial payment condition covered

Explanation

Accident hospitalisation

We will pay the lower of either 25% of the amount of cover or £25,000 if you suffer an injury due to an accident which requires you to stay in hospital for at least 28 days.

Arteriovenous Malformation (AVM) of the brain

Where specified treatment is required, we will pay either 12.5% of your cover or £12,500 - whichever is lowest.

Carcinoma in-situ of the cervix uteri

We will pay either 12.5% of your cover or £12,500 - whichever is lowest, where resulting treatment requires a hysterectomy.

Carcinoma in-situ of the urinary bladder

Carcinoma in-situ of the urinary bladder is covered. We will pay the lower of either 12.5% of your cover or £12,500.

Carotid Artery Stenosis

Where Carotid Artery Stenosis is treated by Endarterectomy or Angioplasty we will pay the lower of either 12.5% of cover or £12,500.

Cerebral Aneurysm

Cerebral Aneurysms are covered whereby surgery or radiotherapy are necessary. We will pay the lower of either 12.5% of your cover or £12,500.

Central retinal artery or vein occlusion

Where central retinal artery or vein occlusion results in permanent visual loss we will pay the lower of either 12.5% of cover or £12,500.

Coronary artery angioplasty

Coronary artery angioplasty is covered where specified treatment is diagnosed. We will pay either the lower of 25% of cover or £25,000.

Diabetes mellitus Type 1

We pay the lower of either 12.5% of cover or £12,500 for diabetes mellitus Type 1 where permanent insulin injections are required.

Ductal or lobular carcinoma in-situ

Ductal or lobular carcinoma in-situ of the breast is covered for specific treatment. We will pay the lower of either 25% of cover or £25,000.

Non-severe cardiomyopathy

We will pay the lower of either 25% of cover or £25,000 where non-severe cardiomyopathy is diagnosed.

Ovarian tumour

Ovarian tumour of borderline malignancy/low malignant potential is covered where the surgical removal of an ovary is necessary. We will pay the lower of either 12.5% of cover or £25,000.

Partial loss of hearing

We pay the lower of either 12.5% of cover or £12,500 for a partial loss of hearing of specified severity.

Partial sight loss

Permanent and irreversible partial loss of sight is covered. We will pay either the lower of 12.5% of cover or £12,500.

Partial third degree burns

We pay either the lower of 12.5% of cover or £12,500 where partial third degree burns cover 10% of the body’s surface area or affect 25% of the area of the face or head.

Prostate Cancer

Prostate Cancer is covered, we will pay either 25% of cover or £25,000 - whichever is the lowest.

Removal of lobe(s) of the lung

Where one or more lobe(s) of the lung is removed due to disease or trauma we will pay the lower of either 12.5% of cover or £12,500.

Crohn’s disease

Surgically treated Crohn’s disease is covered, we will pay the lower of either 12.5% of cover or £12,500.

Ulcerative colitis

Where severe ulcerative colitis results in an operation to remove the entire large bowel we will pay either the lower of 12.5% of cover or £12,500.

Testicular carcinoma in-situ

Testicular carcinoma in-situ requiring surgery to remove at least one testicle is covered. We will pay either the lower of 12.5% of cover or £12,500.

List of enhanced conditions

Whilst the impact of critical illness can be significant, they often affect older customers. This isn't the case when the claim is a direct result of an accident or the onset of some early neurological conditions. The financial impact on younger people can be harsh, which is why we have added these two unique enhanced claim payout features:

  • Where a diagnosis of six specified neurological conditions is made in someone below the age of 45, we will pay your client one and half times (150%) their cover, up to a maximum of £200,000 (on top of their original cover).
  • We will make an enhanced claim payment as a result of an accident.We have ten full payment conditions where we will pay twice the amount of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if the claim is as a direct result of an accident.

Diagnosed neurological conditions

Explanation

Alzheimer’s disease or other forms of dementia

Where Alzheimer’s disease or other forms of dementia have been diagnosed, resulting in permanent symptoms, we will pay one and half times (150%) of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if diagnosis occurs under the age of 45.

Motor neurone disease

If motor neurone disease has been diagnosed, resulting in permanent symptoms, we will pay one and half times (150%) of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if diagnosis occurs under the age of 45.

Multiple system atrophy

Where multiple system atrophy has been diagnosed, resulting in permanent symptoms, we will pay one and half times (150%) of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if diagnosis occurs under the age of 45.

Parkinson’s disease and/or Parkinson plus syndromes

Parkinson's disease and/or Parkinson plus syndromes are covered where diagnosis has resulted in permanent symptoms. We will pay one and half times (150%) of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if diagnosis occurs under the age of 45.

Progressive Supranuclear Palsy

Progressive Supranuclear Palsy that results in permanent symptoms are covered as an enhanced neurological condition. We will pay one and half times (150%) of your cover, up to a maximum of £200,000 (on top of your original cover). This applies if diagnosis occurs under the age of 45.


Enhanced conditions

Explanation

Blindness

Permanent and irreversible blindness is covered.

Comas

A coma is defined as a state of unconsciousness that requires the use of life support systems. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Deafness

Permanent and irreversible deafness is covered. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Loss of hands or feet

Permanent physical severance of any hand or foot at or above the wrist or ankle joints is covered. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Third degree burns

Third degree burns are covered where 20% of the body’s surface area or 50% of the area of the face or head are affected. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Loss of independent existence

Loss of independent existence is covered whereby you are unable to look after yourself. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Removal of an eyeball

The surgical removal of an eyeball as a result of an injury or disease is covered. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Traumatic brain injury

You are covered for traumatic brain injuries which result in permanent symptoms. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Loss of speech

Permanent and irreversible loss of speech is covered. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.

Paralysis of a limb

Paralysis of a limb – total and irreversible loss of muscle function to the whole or part of a limb is covered. If the cause of your claim was as a direct result of an accident then we will pay twice the amount of cover. This is subject to a maximum of £200,000 more than your amount of cover.