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What illnesses are covered in Life and Critical Illness Cover?

Critical Illness Insurance Cover varies greatly from provider to provider. The Association of British Insurers
(ABI) lists the common illnesses that should be covered under a best practice Critical Illness Insurance Cover policy. Those basic conditions are:-

Alzeimers Disease before age 65
Aorta Graft Surgery
Benign Brain Tumour Blindness
Cancer Coma
Coronary Artery By-pass Surgery Deafness
Heart-Attack Heart Valve Replacement or Repair
Loss of Speech Loss of Limbs
Major Organ Transplant Motor Neurone Disease
Multiple Sclerosis Paralysis
Parkinsons Disease Stroke
Third Degree Burns Kidney Failure
HIV infection for emergency and healthcare services from blood transfusion and physical assault

In addition to the standard ABI list of Critical Illnesses, providers also offer additional illness definitions including:-

Aplastic Anaemia Dementia
Bacterial Meningitis Cardiomyopathy
Childrens Benefit Creutzfeldt-Jacob disease
Liver Failure Progressive Supra-Nuclear Palsy
Total and Permanent Disability Insulin Dependent Diabetes
Open Heart Surgery Respiratory Failure
Systemic lupus erythematosus Traumatic head injury - resulting in permanent symptoms


The total and permanent disability definition is an interesting one as this can be in relation to your occupation.
In other words, if you have suffered an accident or illness that renders you unable to carry out your occupation, then the Critical Illness Insurance policy will pay out. This Critical Illness definition can catch a vast number of illnesses that are NOT specified as Critical Illnesses under a normal policy. You could receive your benefit as you are unable to carry out the tasks of your occupation but still work in a different occupation, albeit in a reduced capacity.