What is Critical illness insurance?

Conditions covered

The schedule of insured illnesses varies between insurance companies but typically, four conditions are covered by the policy, heart attack, cancer, stroke and coronary artery by-pass surgery.Examples of other conditions that might be covered include:

• Alzheimer’s disease
• Aortic surgery
• Aplastic anaemia
• Bacterial meningitis
• Benign brain tumour
• Blindness
• Cancer (life-threatening)
• Coma
• Coronary artery- bypass surgery
• Deafness
• Heart attack
• Heart valve replacement
• Kidney failure
• Loss of independent existence
• Loss of limbs
• Loss of speech
• Major organ transplant
• Major organ failure on waiting list
• Motor neuron disease
• Multiple sclerosis
• Occupational HIV infection
• Paralysis
• Parkinson’s disease
• Severe burns
• Stroke (Cerebrovascular accident)

‍