Insured illnesses can include:
- Alzheimer’s disease – resulting in permanent symptoms
- Aorta graft surgery – for disease
- Aplastic anaemia
- Bacterial meningitis – resulting in permanent symptoms
- Benign brain tumour – resulting in permanent symptoms
- Cancer – certain exclusions apply
- Cardiomyopathy
- Coma – resulting in permanent symptoms
- Coronary artery bypass surgery – with surgery to divide the breastbone
- Creutzfeld-Jacob disease
- Deafness – permanent and irreversible
- Encephalitis – resulting in permanent neurological deficit with persisting clinical symptoms
- Heart attack – of specified severity
- Heart valve replacement or repair – with surgery to divide the breastbone
- HIV infection – contracted in the EC from a blood transfusion, physical assault or at work in an eligible occupation
- Kidney failure – requiring dialysis
- Liver failure
- Loss of sight – total and irrecoverable
- Loss of speech – total, permanent and irreversible
- Major organ transplant
- Motor neurone disease – resulting in permanent symptoms
- Multiple sclerosis – with symptoms persisting for at least six months
- Paralysis of limbs – total and irreversible
- Parkinson’s disease – resulting in permanent symptoms
- Progressive Supranuclear Palsy – resulting in permanent symptoms
- Stroke – resulting in permanent symptoms
- Terminal illness
- Third degree burns – covering at least 20% of the body surface area
A pre-existing conditions exclusion applies together with other terms and conditions.
Claims must be submitted within 90 days of the date of diagnosis.