Critical Illness


Critical Illness Benefit covers you in the event of diagnosis of such, and some policies offer 'part cover' for lesser illnesses. A list of some of these illnesses is below but this is by no means exhaustive and different providers will offer different levels of cover for different illnesses. In most circumstances Critical Illness Cover is an add on to a life insurance policy, but you can take it as a 'stand alone' should you wish.

As an independent brokerage we act for the customer, not the provider, so we will make sure you are aware of any exclusions that may be hidden in the small print of the T & Cs! Most providers act on a non-advisory basis (also called execution only) which means they are not liable if you later discover an exclusion you weren't aware of. Tragically there are cases where the insurance provider will not pay out on a claim for this reason. We can advise you and are duty bound to provide you with 'Best Advice' based on your needs and requirements!

The list below covers many of those illnesses but is not exhaustive. Please compete our short form to find out which companies offer cover for which illnesses. Also many companies offer "partial cover" for less serious illnesses.

  • Alzheimer’s disease – resulting in permanent symptoms
  • Aorta graft surgery – for disease or traumatic injury
  • Aplastic anaemia – complete
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign brain tumour
  • Benign spinal cord tumour – resulting in permanent symptoms
  • Blindness – permanent and irreversible
  • Cancer – excluding less advanced cases
  • Cardiac arrest
  • Cardiomyopathy – of specified severity
  • Coma – resulting in permanent symptoms
  • Coronary artery bypass grafts
  • Creutzfeldt-Jakob disease
  • Deafness – permanent and irreversible
  • Dementia (including senile dementia) – resulting in permanent symptoms
  • Encephalitis – resulting in permanent symptoms
  • Heart attack – of specified severity
  • Heart valve replacement or repair
  • HIV infection – caught in a specified list of countries from a blood transfusion, a physical assault or at work
  • Idiopathic pulmonary arterial hypertension – of specified severity
  • Kidney failure – requiring dialysis
  • Liver failure
  • Loss of hands or feet – permanent physical severance
  • Loss of independent existence – unable to look after yourself ever again
  • Loss of speech – permanent and irreversible
  • Major organ transplant
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple sclerosis – with persisting symptoms
  • Multiple system atrophy – resulting in permanent symptoms
  • Neuromyelitis optica (Devic\'s disease) - with persisting symptoms
  • Open Heart Surgery – with surgery to divide the breastbone
  • Paralysis of a limb – total and irreversible
  • Parkinson’s disease – resulting in permanent symptoms
  • Pneumonectomy – removal of an entire lung
  • Progressive Supranuclear Palsy – resulting in permanent symptoms
  • Pulmonary Artery Surgery – for disease only
  • Severe lung disease
  • Stroke – of specified severity
  • Surgical removal of an eyeball
  • Systemic Lupus Erythematosus
  • Terminal illness
  • Third degree burns – covering 20% of the body’s surface area or affecting 50% of the area of the face or head
  • Traumatic head injury – resulting in permanent symptoms
  • Total permanent disability – of specified severity