Here is a complete list of the critical illnesses we cover. You can find a full definition by clicking on the critical illness. This information is also available in section D of our plan details booklet for the Personal Protection Menu plan.

• Alzheimer’s disease – resulting in permanent symptoms
• Aorta graft surgery – for disease or traumatic injury
• Aplastic anaemia – requiring regular blood transfusions
• 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 bypass grafts – with surgery to divide the breastbone
• Creutzfeldt-Jakob disease (CJD) – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Heart attack – of specified severity
• Heart valve replacement or repair – with surgery to divide the breastbone
• HIV infection – caught from a blood transfusion, a physical assault or at work
• Kidney failure – requiring dialysis
• Liver failure – end stage
• Loss of hands or feet – permanent physical severance
• Loss of independent existence – resulting in permanent symptoms
• Loss of speech – permanent and irreversible
• Major organ transplant
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – with persisting symptoms
• Open heart surgery – with surgery to divide the breastbone
• Paralysis of limbs – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Pre-senile dementia – resulting in permanent symptoms
• Primary pulmonary hypertension - of specified severity
• Progressive supranuclear palsy – resulting in permanent symptoms
• Severe lung disease – resulting in permanent symptoms
• Stroke – resulting in permanent symptoms
• Systemic lupus erythematosus - with severe complications
• Third degree burns – covering 20% of the body’s surface area or 50% loss of surface area of the face
• Traumatic head injury – resulting in permanent symptoms