Critical Illness Insurance

Cancer

• Carcinoma in situ; or

• Early Prostate Cancer; or

• Early Thyroid Cancer; or

• Early Bladder Cancer; or

• Early Chronic Lympho- cytic Leukaemia; or

• Early Melanoma; or

• Gastro-intestinal Stromal Cancer

Stroke

• Brain Aneurysm Surgery; or

• Cerebral Shunt Insertion

Heart Attack

• Cardiac Pacemaker Insertion

Serious Coronary Artery Disease

• Early Coronary Artery Disease

Coronary Artery By-Pass Surgery

• Pericardectomy; or

• Transmyocardial Laser Therapy

Heart Valve Surgery

• Percutaneous Valvuloplasty

Cardiomyopathy

• Hypertrophic Cardiomyopathy

Surgery to Aorta

• Large Asymptomatic Aortic Aneurysm

Primary Pulmonary Arterial Hypertension

• Early Primary Pulmonary Arterial Hypertension

Chronic Lung Disease

• Severe Asthma; or

• Insertion of a Vena Cava filter

Liver Disease

• Liver Surgery

Major Organ / Bone Marrow Transplant

• Small Bowel Transplant; or

• Corneal Transplant

Parkinson’s Disease

• Early Parkinson’s Disease

Alzheimer’s Disease / Severe Dementia

• Early Alzheimer’s Disease

Coma

• Coma for 48 hours

Loss of Sight

• Loss of Sight in One Eye

Loss of Hearing

• Partial Loss of Hearing; or

• Cavernous Sinus Thrombosis Surgery

Kidney Failure

• Surgical Removal of One Kidney

Blood Transfusion

• Occupationally Acquired Hepatitis B or C; or

• HIV Infection Due To Assault

Aplastic Anaemia

• Reversible Aplastic Anaemia

Bacterial Meningitis

• Bacterial Meningitis with Full Recovery

Brain Surgery

• Surgery for Subdural Haematoma

Brain Tumour

• Surgical Excision of a Spinal Meningioma

Encephalitis

• Encephalitis with Full Recovery

Head Trauma

• Facial Reconstructive Surgery; or

• Cervical Spinal Cord Injury Due To Accident

Loss of Speech

• Loss of Speech (other than injury or illness to the vocal cords)

Medullary Cystic Disease

• Chronic Glomerulonephritis

Loss of Independent Existence

• Loss of Fingers

Burns

• Mild Severe Burns

Fulminant Viral Hepatitis

• Biliary Tract Reconstruction Surgery

Multiple Sclerosis

• Early Multiple Sclerosis

Muscular Dystrophy

• Spinal Cord Disease or Injury resulting in Bowel and Bladder Dysfunction

Paralysis of Limbs

• Loss of Use of One Limb

Systemic Lupus Erythematosus

• Less Severe Systemic Lupus Erythematosus

Eisenmenger's Syndrome

• Less Severe Eisenmenger's Syndrome

Infective Endocarditis

• Moderately Severe Infective Endocarditis

Poliomyelitis

• Peripheral Neuropathy

Progressive Scleroderma

• Early Progressive Scleroderma

Severe Rheumatoid Arthritis

• Mild Rheumatoid Arthritis

Crohn’s Disease

• Chronic Crohn’s Disease

Severe Ulcerative Colitis

• Chronic Ulcerative Colitis

• Acute Ulcerative Colitis

Myasthenia Gravis

• Less Severe Myasthenia Gravis

Progressive Muscular Atrophy

• Less Severe Progressive Muscular Atrophy

Progressive Supranuclear Palsy

• Early Progressive Supranuclear Palsy

Chronic Adrenal Insufficiency

• Adrenalectomy for Adrenal Adenoma

Osteogenesis Imperfecta

• Osteoporosis with Fractures

Meningeal Tuberculosis

• Tuberculous Myelitis

Intensive Care

• Intensive Care - requiring mechanical ventilation for 5 days

Apallic Syndrome

• Akinetic Mutism

Chronic Autoimmune Hepatitis

• Early Chronic Autoimmune Hepatitis

Chronic Relapsing Pancreatitis

• Acute Necrotic Pancreatitis

Cancer

• Carcinoma in situ and Other Early Cancers of Specified Organs Treated with Radical Surgery

Stroke

• Carotid Artery Surgery

Heart Attack

• Cardiac Defibrillator Insertion

Serious Coronary Artery Disease

• Other Coronary Artery Disease

Coronary Artery By-Pass Surgery

• Minimally Invasive Direct Coronary Artery Bypass Grafting (MIDCAB)

Heart Valve Surgery

• Percutaneous Valve Replacement

Cardiomyopathy

• Constrictive Pericarditis with Surgery

Surgery to Aorta

• Minimally Invasive Surgery to Aorta

Primary Pulmonary Arterial Hypertension

• Secondary Pulmonary Arterial Hypertension

Chronic Lung Disease

• Surgical Removal of One Lung

Liver Disease

• Liver Cirrhosis

Major Organ / Bone Marrow Transplant

• Major Organ / Bone Marrow Transplant (on the waiting list)

Parkinson’s Disease

• Moderately Severe Parkinson’s Disease

Alzheimer’s Disease / Severe Dementia

• Moderately Severe Alzheimer’s Disease

Coma

• Coma for 72 hours

Loss of Sight

• Retinitis Pigmentosa; or

• Optic Nerve Atrophy

Loss of Hearing

• Cochlear Implant Surgery

Kidney Failure

• Chronic Kidney Disease

Blood Transfusion

• HIV Infection Due To Organ Transplant

Bacterial Meningitis

• Moderately Severe Bacterial Meningitis

Brain Surgery

• Removal of Brain Tumour via Trans Sphenoidal Route

Brain Tumour

• Surgical Removal of Pituitary Tumour via Trans Sphenoidal Hypophysectomy

Encephalitis

• Mild Encephalitis

Head Trauma

• Mild Head Trauma

Loss of Speech

• Permanent (or Temporary) Tracheostomy

Loss of Independent Existence

• Early Loss of Independent Existence

Burns

• Moderately Severe Burns

Fulminant Viral Hepatitis

• Chronic Primary Sclerosing Cholangitis

Muscular Dystrophy

• Moderately Severe Muscular Dystrophy

Paralysis of Limbs

• Loss of Use of One Limb and Loss of Sight in One Eye

Poliomyelitis

• Moderate Poliomyelitis

Progressive Scleroderma

• Progressive Scleroderma with CREST Syndrome

Severe Rheumatoid Arthritis

• Moderately Severe Rheumatoid Arthritis

Osteogenesis Imperfecta

• Severe Osteoporosis with Fractures

Apallic Syndrome

• Locked In Syndrome

Chronic Relapsing Pancreatitis

• Moderately Chronic Relapsing Pancreatitis

Severe Epilepsy

• Severe Epilepsy

Accidental Fracture of Spinal Column

• Accidental Fracture of Spinal Column

Motor Neuron Disease

• Early Motor Neuron Disease

Cancer

• Cancer – of specified severity and does not cover very early cancers

Stroke

• Stroke – resulting in permanent neurological deficit with persisting clinical symptoms

Heart Attack

• Heart Attack – of specified severity

Serious Coronary Artery Disease

• Serious Coronary Artery Disease

Coronary Artery By-Pass Surgery

• Coronary Artery By-Pass Surgery

Heart Valve Surgery

• Heart Valve Surgery

Cardiomyopathy

• Cardiomyopathy – of specified severity

Surgery to Aorta

• Surgery to Aorta

Primary Pulmonary Arterial Hypertension

• Primary Pulmonary Arterial Hypertension – of specified severity

Chronic Lung Disease

• End-Stage Lung Disease

Liver Disease

• End-Stage Liver Failure

Major Organ / Bone Marrow Transplant

• Major Organ / Bone Marrow Transplant

Parkinson’s Disease

• Parkinson’s Disease – resulting in permanent inability to perform Activities of Daily Living

Alzheimer’s Disease / Severe Dementia

• Alzheimer's Disease / Severe Dementia

Coma

• Coma – resulting in permanent neurological deficit with persisting clinical symptoms

Loss of Sight

• Blindness – Permanent and Irreversible

Loss of Hearing

• Deafness – Permanent and Irreversible

Kidney Failure

• Kidney Failure – requiring dialysis or kidney transplant

Blood Transfusion

• HIV Infection Due To Blood Transfusion

• Occupationally Acquired Human Immuno- deficiency Virus (HIV) Infection

Aplastic Anaemia

• Chronic Aplastic Anaemia – resulting in permanent Bone Marrow Failure

Bacterial Meningitis

• Bacterial Meningitis – resulting in permanent inability to perform Activities of Daily Living

Brain Surgery

• Brain Surgery

Brain Tumour

• Benign Brain Tumour – of specified severity

Encephalitis

• Encephalitis – resulting in permanent inability to perform Activities of Daily Living

Head Trauma

• Major Head Trauma – resulting in permanent inability to perform Activities of Daily Living

Loss of Speech

• Loss of Speech

Medullary Cystic Disease

• Medullary Cystic Disease

Loss of Independent Existence

• Loss of Independent Existence

Burns

• Third Degree Burns – of specified severity

Fulminant Viral Hepatitis

• Fulminant Viral Hepatitis

Multiple Sclerosis

• Multiple Sclerosis

Muscular Dystrophy

• Muscular Dystrophy

Paralysis of Limbs

• Paralysis of Limbs

Systemic Lupus Erythematosus

• Systemic Lupus Erythematosus with Severe Kidney Complications

Eisenmenger's Syndrome

• Severe Eisenmenger's Syndrome

Infective Endocarditis

• Infective Endocarditis

Poliomyelitis

• Poliomyelitis

Progressive Scleroderma

• Progressive Scleroderma

Severe Rheumatoid Arthritis

• Chronic Rheumatoid Arthritis

Crohn’s Disease

• Severe Crohn’s Disease

Severe Ulcerative Colitis

• Ulcerative Colitis with Total Colectomy

Myasthenia Gravis

• Myasthenia Gravis

Progressive Muscular Atrophy

• Progressive Muscular Atrophy

Progressive Supranuclear Palsy

• Progressive Supranuclear Palsy

Chronic Adrenal Insufficiency

• Chronic Adrenal Insufficiency

Osteogenesis Imperfecta

• Osteogenesis Imperfecta

Meningeal Tuberculosis

• Meningeal Tuberculosis

Intensive Care

• Intensive Care - requiring mechanical ventilation for 10 days

Apallic Syndrome

• Apallic Syndrome

Chronic Autoimmune Hepatitis

• Chronic Autoimmune Hepatitis

Chronic Relapsing Pancreatitis

• Chronic Relapsing Pancreatitis

Motor Neuron Disease

• Motor Neuron Disease – permanent neurological deficit with persisting clinical symptoms

Terminal Illness

• Terminal Illness

Angioplasty and Other Invasive Treatments for Coronary Artery Disease

• Angioplasty and Other Invasive Treatments for Coronary Artery Disease

Full-blown AIDS

• Full-blown AIDS

Surgery for Idiopathic Scoliosis

• Surgery for Idiopathic Scoliosis

Elephantiasis

• Elephantiasis

Cerebral Metastasis

• Cerebral Metastasis

Creutzfeldt – Jakob Disease (Mad Cow Disease)

• Creutzfeldt-Jakob Disease (Mad Cow Disease)

Ebola Hemorrhagic Fever

• Ebola Hemorrhagic Fever

Pheo- chromocytoma requiring surgery

• Pheochromocytoma requiring surgery

Severe Relapsing Nephrotic Syndrome

• Severe Relapsing Nephrotic Syndrome

Wilson’s Disease

• Wilson’s Disease

Haemolytic Uremic Syndrome

• Haemolytic Uremic Syndrome

Necrotising Fasciitis

• Necrotising Fasciitis

Respiratory Diphteria requiring mechanical ventilation

• Respiratory Diphteria requiring mechanical ventilation

Loss of limb(s)

• Loss of limb(s)

Cerebral Aneurysm Requiring Brain Surgery

• Cerebral Aneurysm Requiring Brain Surgery

Multiple Root Avulsions of Brachial Plexus

• Multiple Root Avulsions of Brachial Plexus

Rheumatic Fever with Heart Valve Disorders

• Rheumatic Fever with Heart Valve Disorders

Resection of the whole small intestine (duodenum, jejunum and ileum)

• Resection of the whole small intestine (duodenum, jejunum and ileum)

Severe Pulmonary Fibrosis

• Severe Pulmonary Fibrosis

Rabies

• Rabies

Generalized Tetanus

• Generalized Tetanus