What is covered in my critical illness policy
Within the protection industry there are many leading insurers who provide critical illness cover.
Critical Illness providers will cover a range of conditions. The following is a general guide of the conditions covered: Alzheimers’s Disease, Aplastic Anaemia, Bacterial Meningitis, Benign Brain Tumour, Blindness, Cancer, Cardiomyopathy, Coma, Deafness, Heart Attack, Heart Valve Replacement or Repair, HIV infection, Kidney Failure, Liver Failure, Loss of Independent Existence, Loss of Hands or Feet, Loss of Speech, Major Organ Transplant, Motor Neurone Disease, Multiple Sclerosis, Parkinson’s Disease, Pre-Senile Dementia, Rheumatoid Arthritis, Severe Lung Disease, Stroke, Third Degree Burns.
Many insurers adopt the definitions as set out by The Association of British Insurers (ABI), as they represent the shared interests throughout the UK protection industry.
For each individual policy the premiums calculated are dependent on the circumstances of the applicant. For example, an applicant’s age and gender will influence the premium together with whether the applicants smoker status, their occupation, their current state of health and their medical history and also their family history.
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