Critical Illness Insurance

Critical Illnesses covered

The following are types of critical illnesses that could be covered under your critical illness insurance policy.

Alzheimer’s disease	Aorta graft surgery	Aplastic anaemia
Bacterial Meningitis	Benign brain tumour	Blindness
Cancer	Coma	Coronary artery by-pass surgery
Creutzfeldt-Jakob disease	Deafness	Dementia
Heart attack	Heart valve replacement or repair	HIV or AIDS from assault
HIV or AIDS from blood transfusion	HIV or AIDS from occupational duties or accident	Kidney failure
Loss of independent existence	Loss of limbs	Loss of speech
Major organ transplant	Motor Neurone disease	Multiple Sclerosis
Paralysis/Paraplegia	Parkinson’s disease	Stroke
Third degree burns	Total permanent disability to age 65 – Own occupation or Work tasks definition

The ABI have definitions of certain conditions - these are shown in BOLD - there are no definitions for the conditions not in bold.

Total permanent disability benefit - an example definition

We will pay your benefit if you become totally and permanently disabled and prevented from doing your own occupation or a number of work tasks. Your disability could be as a result of an accident or an illness.

The disability must be irreversible with no reasonable prospect of there ever being any improvement. If you are not in paid work, or you are a house-person, you can only choose the work tasks definition.

If you need help in comparing the critical illnesses under a policy or in ensuring that the critical illness insurance policy covers the conditions you want, please contact our IFA using the quotation link below.