Specified Conditions Covered by Critical Illness Policies

Whilst most common major illnesses are covered by insurers, not all companies cover the same illnesses, so it is important that the policyholder is familiar with the inclusions and exclusions before any documentation is signed. The illnesses typically covered are:

• Alzheimer's Disease before age 65
• Angioplasty
• Aorta graft surgery
• Benign brain tumour
• Blindness
• Cancer (most malignant types)
• Coma
• Coronary bypass surgery
• Deafness
• Heart attack
• Heart valve replacement or repair
• HIV/AIDs (named groups only)
• Kidney failure
• Loss of limbs
• Loss of speech
• Major organ transplant
• Motor neurone disease before age 65
• Multiple sclerosis
• Paralysis/paraplegia
• Parkinson's disease before age 65
• Permanent Total Disability (PTD) before age 65
• Pre-senile dementia before age 65
• Stroke
• Third degree burns