What are the illnesses covered by Critical Illness Cover?

Critical Illness Cover pays you a tax-free cash lump sum if you’re diagnosed with one of the conditions listed in your policy.

The illnesses covered by a Critical Illness policy must include: certain types/stages of cancer, coronary artery bypass, heart attack, kidney failure, major organ transplant, multiple sclerosis and stroke. These illnesses account for 90% of all Critical Illness claims, and a Critical Illness policy has to cover those as a minimum.

Most policies cover an additional thirteen conditions, but at LifeSearch we’ll only recommend policies from insurers who cover a minimum of 30 different conditions. (Lesser policies aren’t cheaper in our view, they’re just worse.) Some types of policy can offer cover for even more: talk to us and let us help you choose the policy that’s right for you.

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Which conditions do Critical & Serious Illness policies cover?

These lists are only a guide to the types of illness covered by various Critical and Serious Illness Cover policies. Definitions regarding the severity of each illness vary from insurer to insurer, and each insurer will have their own criteria for payment. Talk to us to find out more about the cover you need.

  • Must Have

    Cancer (some types)
    Coronary artery surgery
    Heart attack
    Multiple Sclerosis
    Kidney failure
    Major organ transplant

  • Should Have

    all of the previous, plus:

    Alzheimer's Disease
    Aorta graft surgery
    Benign brain tumour
    Heart valve replacement or repair
    HIV/AIDS contracted in certain circumstances
    Inability to perform duties of occupation
    Loss of limbs
    Loss of speech
    Motor Neurone Disease
    Parkinson's Disease
    Third-degree burns
    Total permanent disability

  • Could Have

    all of the previous, plus:

    Addison's Disease
    Bacterial Meningitis
    Chronic Pancreatitis
    Conn's Disease
    Cushing's Disease
    Creutzfeldt-Jakob Disease
    Fibrotic lung disease
    Giant cell Arteritis
    Polyarterisis Nodosa
    Fulminant Hepatic Necrosis
    Permanent defibrillator insertion
    Permanent faecal incontinence
    Permanent pacemaker insertion
    Rheumatoid Arthritis
    Sclerosing Cholangitis
    Severe Cirrhosis of the liver
    Sheehan's Syndrome
    Simmonds' Disease
    Systemic Lupus Erythematosis
    Systemic Sclerosis
    Total Colectomy
    Wegener's Granulomatosis
    ... and many more.