Our Life Insurance offer gives you the option to add Critical Illness cover as an additional product.
Critical Illness cover pays out when you’re diagnosed with one of our covered Critical Illnesses; you can find these listed below or in more detail in the Policy Terms and Conditions. Critical Illness cover means that you can claim for a pay-out that won’t impact your existing life insurance cover.
Child Critical Illness cover
Child Critical Illness cover is also available and it covers any children, whether you already have them or are planning to have them in the future. The illnesses included in Child Critical Illness cover are inclusive of the illnesses mentioned below.
We’ll pay out the lesser of 25% of the adult Critical Illness sum assured or £25,000 if your child or children are diagnosed with an eligible Critical Illness.
We will pay out once per child, but your life insurance policy and adult Critical Illness cover will continue after the pay-out.
Illnesses covered:
- Aorta graft surgery – for disease or trauma
- Coronary artery by-pass grafts – with surgery
- Heart attack
- Heart valve replacement or repair – with surgery
- Alzheimer’s disease – resulting in permanent symptoms
- Benign brain tumour – resulting in permanent symptoms
- Blindness – permanent and irreversible
- Deafness – permanent and irreversible
- Loss of speech – permanent and irreversible
- Stroke
- Traumatic Brain injury
- Loss of hands or feet – permanent physical severance
- Motor neurone disease – resulting in permanent symptoms
- Multiple sclerosis – with current symptoms
- Paralysis of limbs – total and irreversible
- Parkinson’s disease – resulting in permanent symptoms
- Cancer – excluding less advanced cases
- Coma with associated permanent symptoms
- Kidney failure – requiring permanent dialysis
- Major organ transplant
- Third degree burns – covering either 20% of the surface area of the face or body
For existing customers, please refer to your individual T&Cs in your policy documents which will specify the conditions you are covered for.