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Critical Illness Cover
It is a distressing fact that during our lifetime 1 in 3 people will be diagnosed with cancer. Unfortunately it’s very likely that the whole family will suffer and without proper financial protection the loss of your income will put increased pressure on the family, just when it’s least needed.
With a Critical Illness policy you’ll receive a lump sum on diagnosis of a covered critical illness. You may choose to repay the mortgage, pay for medical treatment, pay the bills, or take time away to relax with the family. Whatever you choice you will have the peace of mind knowing that you and your family are protected while you get back on your feet.
What’s Covered?
Approximately 80% of all successful claims are for people who have been struck down with either a cancer, heart attack or stroke. However the link below shows the additional illness covered by a typical policy.
What’s covered by a typical critical illness insurance policy?
- Alzheimer’s Disease - resulting in permanent symptoms
- Aorta Graft Surgery - requiring surgical replacement
- Aplastic Anaemia - with permanent bone marrow failure
- Bacterial Meningitis - resulting in permanent symptoms
- Benign Brain Tumour - resulting in permanent symptoms
- Blindness - permanent and irreversible
- Cancer - excluding less advanced cases
- Cardiomyopathy - of specified severity
- Coma - resulting in permanent symptoms
- Coronary Artery By-Pass Grafts - with surgery to divide the breastbone
- Creutzfeldt-Jakob Disease (CJD) - resulting in permanent symptoms
- Deafness - permanent and irreversible
- Dementia - resulting in permanent symptoms
- Encephalitis - resulting in permanent symptoms
- Heart Attack - of specified severity
- Heart Valve Replacement or Repair - with surgery to divide the breastbone
- HIV infection - caught from a blood transfusion, physical assault or accident at work
- Kidney failure - requiring dialysis
- Liver failure - of advanced stage
- Loss of hands or feet - permanent physical severance
- Loss of Speech - permanent and irreversible
- Major Organ Transplant
- Motor Neurone Disease - resulting in permanent symptoms
- Multiple Sclerosis - with persisting symptoms
- Paralysis of limbs - total and irreversible
- Parkinson’s Disease - resulting in permanent symptoms
- Primary Pulmonary Hypertension - of specified severity
- Progressive Supranuclear Palsy - resulting in permanent symptoms
- Respiratory failure - of advanced stage
- Stroke - resulting in permanent symptoms
- Systemic Lupus Erythematosus - with severe complications
- Terminal Illness
- Third Degree Burns - covering 20% of the body’s surface area
- Total and Permanent Disability
- Traumatic head injury - resulting in permanent symptoms
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