If you have life insurance with Terminal Illness cover and you die, or are diagnosed
with an illness from which your Doctor expects you to die within 12 months from the initial
date of diagnosis, then you will receive a pay out.
But what happens if you have a stroke, a heart attack or become blind? Many stroke and
heart attack sufferers can expect to survive for years and blindness does not necessarily
affect life expectancy - so even though you have to give up work you will not be able to
claim under your Life and Terminal Illness cover. Critical illness insurance fills this
gap - paying out immediately if you are diagnosed with any one of a long list of critical
illnesses, such as listed below.
Since 1 in 5 men and 1 in 6 women suffer a critical illness before they reach normal retirement
age - it's clear that critical illness insurance is worth having.
The following is a typical list of illnesses included within a comprehensive Critical
Illness policy. Please note that qualifying illnesses do vary between insurance companies:
| Alzheimer's disease |
Aorta graft surgery |
| Aplastic anemia |
Bacterial Meningitis |
| Benign brain tumour |
Blindness |
| Cancer |
Cardiomyopathy |
| Chronic lung disease |
Coma |
| Coronary artery by-pass surgery |
Creutzfeldt-Jakob disease |
| Deafness |
Dementia |
| Heart attack |
Heart valve replacement or repair |
| HIV or AIDs from an assault, blood transfusion, occupational duties or accident |
Keyhole heart surgery |
| Kidney failure |
Loss of independent existence |
| Loss of limbs |
Loss of speech |
| Major organ transplant |
Motor Neurone disease |
| Multiple Sclerosis |
Paralysis/Paraplegia |
| Parkinson's disease |
Progressive Supranulcear Palsy |
| Stroke |
Third degree burns |
| Total Permanent Disability |
Cover for children |
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