The types of critical illnesses covered (The types of illnesses covered will vary with insurer)

Every critical ilness policy will cover different conditions. This is why it i essential to get advice to ensure that you are purchasing the policy with the most comprehensive cover. Below is a list of the kinds of illnesses that are covered.

Alzheimer’s disease before age 65 – resulting in permanent symptoms
Aorta graft surgery – for disease and trauma
Aplastic anaemia – resulting in permanent symptoms
Bacterial meningitis – resulting in permanent symptoms
Benign brain tumour – resulting in permanent symptoms
Blindness – permanent and irreversible
Cancer – excluding less advanced cases
Cardiomyopathy
Coma – resulting in permanent symptoms
Coronary artery by-pass grafts – with surgery to divide the breastbone
Creutzfeldt-Jakob Disease (CJD) – requiring continuous assistance
Deafness – permanent and irreversible
Encephalitis
Heart attack – of specified severity
Heart-valve replacement or repair – with surgery to divide the breastbone
HIV caught in the UK from a blood transfusion
HIV caught in the UK as a result of physical assault or at work in an eligible occupation*
Kidney failure – requiring dialysis
Liver failure – end stage
Loss of independent existence – resulting in permanent symptoms
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
Open heart surgery – with surgery to divide the breastbone
Paralysis of limbs – total and irreversible
Parkinson’s disease before age 65 – resulting in permanent symptoms
Pre-senile dementia before age 65 – resulting in permanent symptoms
Primary pulmonary arterial hypertension – resulting in permanent symptoms
Progressive supranuclear palsy
Pulmonary artery surgery – with surgery to divide the breastbone
Severe lung disease/respiratory failure – of specified severity
Stroke – resulting in permanent symptoms
Systemic lupus erythematosus – of specified severity
Terminal illness
Third degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area
Total permanent disability before age 65#
Traumatic head injury – resulting in permanent symptoms

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