A complete list of the critical illnesses covered is below. Medical terms have been used to describe the conditions and in some cases your insurance will be limited e.g. some types of cancer aren’t covered.
In most cases, you’ll be covered if your condition results in permanent symptoms or certain types of surgery. For the exact criteria your condition needs to meet for you to make a claim, please read the Guide to Critical Illness Cover.
• 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 either surgical removal or permanent symptoms
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases
• Cardiac arrest – with insertion of a defibrillator
• Cardiomyopathy – of specified severity
• Coma – with associated permanent symptoms
• Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotomy
• Creutzfeldt-Jakob disease – 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
• HIV Infection – caught from a blood transfusion, physical assault or accident at work
• Kidney failure – requiring permanent dialysis
• Liver failure – of advanced stage
• Loss of hand or foot – permanent physical severance
• Loss of speech – total permanent and irreversible
• Major organ transplant – from another donor
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – where there have been symptoms
• Multiple system atrophy – resulting in permanent symptoms
• Open heart surgery – with median sternotomy
• Paralysis of a limb – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Primary pulmonary hypertension – of specified severity
• Progressive supranuclear palsy – resulting in permanent symptoms
• Removal of an eyeball – due to injury or disease
• Respiratory failure – of advanced stage
• Spinal stroke – resulting in symptoms lasting at least 24 hours
• Stroke – resulting in symptoms lasting at least 24 hours
• Systemic lupus erythematosus – with severe complications
• Third degree burns – covering 20% of the surface area of the body or 20% of the face or head
• Total and permanent disability – of specified severity
• Traumatic brain injury – resulting in permanent symptoms