Critical Illness Cover: Conditions

Conditions Covered

The range of illnesses and conditions covered in Critical Illness Insurance policies varies, however all should include cover against cancer, heart attack and stroke. The more conditions listed will result in higher premiums.

Critical Illness Cover policies will usually have a core list of conditions that are likely to include:

  • Cancer
  • Coronary artery by-pass surgery
  • Heart attack
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Stroke

Other additional conditions likely to be included in a Critical Illness Cover policy can include:

  • Aorta graft surgery
  • Benign brain tumour
  • Blindness
  • Coma
  • Deafness
  • Heart valve replacement or repair
  • Loss of limbs
  • Loss of speech
  • Motor neurone disease
  • Paralysis/paraplegia
  • Parkinson's disease
  • Terminal illness
  • Third degree burns

Conditions Not Covered

A number of situations where critical illness can occur are not included in many Critical Illness Insurance policies. These can include aviation, criminality, drug abuse, failing to follow medical advice and HIV/AIDS.

See also: Home Buying Guide: Life Insurance

To start your search for a Life Insurance policy please see our Life Insurance Directory