Critical Illness Cover – what’s covered?

Life with integrated Critical Illness cover provides a lump sum or monthly benefit in case of the death or critical illness of the policy holder, enabling the remaining members of the family to be able to continue the same standard of living.

Some of the covered specific medical conditions or injuries listed in a Critical Illness Cover policy might be:

1. Alzheimer’s Disease or Pre-Senile Dementia
2. Aorta Graft Surgery
3. Aplastic Anaemia
4. Arteriovenous Malfunction (AVM) of the Brain
5. Bacterial Meningitis
6. Benign Brain Tumour
7. Besign Spinal Cord Tumour
8. Bladder Removal
9. Blindness
10. Cancer
11. Carcinoma in Situ of the Breast
12. Carcinoma in Situ of the Cervix
13. Carcinoma in Situ of the Testicle
14. Cardiac Asset
15. Cardiomyopathy
16. Cerebral Aneurism
17. Coma
18. Coronary Artery by-pass Grafts
19. Creutzfeldt – Jakob disease
20. Crohn’s Disease
21. Deafness
22. Devic’s Disease
23. Encephalitis
24. Heart Attack
25. Heart Value Replacement or Repair
26. HIV Infection
27. Intensive Care Requiring Mechanical Ventilation for 30 Consecutive Days
28. Kidney Failure
29. Liver Failure
30. Loss of Hand or Foot
31. Loss of Independent Existence
32. Loss of Speech
33. Low Grade Prostate Cancer
34. Major Organ Transplant
35. Motor Neurone Disease
36. Multiple Sclerosis
37. Multiple System Atrophy
38. Non-Malignant Pituitary Tumour
39. Paralysis of a Limb
40. Parkinson’s disease
41. Pneumonectomy
42. Primary Pulmonary Hypertension
43. Progressive Supranuclear Palsy
44. Pulmonary Artery Surgery
45. Removal of an Eyeball
46. Rheumatoid Arthritis
47. Severe Lung Disease
48. Significant Visual Impairment
49. Spinal Stroke
50. Stroke
51. Structural Heart Surgery
52. Systemic Lupus Erythematosus
53. Third Degree Burns
54. Total Permanent Disability
55. Traumatic Brain Injury

Standard Exclusions:

Criminal Acts

Self-inflicted Injury

NB: It is important to be aware that not all conditions are covered and the policy will also state how serious the condition must be.

To discuss Life and Critical Illness Cover to cover your mortgage or family protection in the event of unforeseen circumstances, please feel contact us today!