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Product profile
Description
Pays out a single one-off payment 14 days after a specified critical illness or surgical procedure
Offers different amounts of cover to match severity of financial impact
Critical illness categories of: Life Threatening, Disabling, Traumatic
For
Aged 16 to 64
Maximum amount payable
- £100,000
- Children-25% of adult but maximum £25,000
Life Threatening Critical Illnesses covered
- Cancer-invasive and life threatening
- Chronic emphysema
- Creutzfeldt-Jakob Disease
- Heart attack-major
- Kidney failure which requires dialysis
- Liver failure
- Major organ transplant
- Severe Stroke
- Terminal Illness
Disabling Critical Illnesses covered
- Alzheimer's Disease with permanent symptoms
- Blindness
- Deafness
- HIV/AIDS from blood transfusion
- HIV/AIDS from physical assault
- HIV/AIDS in course of professional duty
- Loss of independent existence
- Loss of hands or feet
- Loss of speech
- Motor neurone disease
- Multiple sclerosis
- Paralysis of limbs/Paraplegia
- Parkinson's Disease
- Pre-senile dementia
- Third degree burns
Traumatic Critical Illnesses covered
- Angioplasty
- Aorta graft surgery
- Balloon valvuloplasty
- Benign brain tumour
- Cancer
- Chronic emphysema
- Coma
- Coronary artery by-pass surgery
- Heart attack of specified severity
- Heart valve replacement or repair
- Mastectomy
- Open heart surgery
- Stroke with permanent symptoms
- Traumatic head injury
- Total permanent disability before age 60
Not covered
- Any illness not specified
- Less advanced cases of cancer
Period of cover
- Minimum five years
- Cover ends at age 70
Benefits
- You choose the amount
- Children's critical illness included
- Guaranteed option to increase benefit on special occasions
- Guaranteed premium for first 5 years, reviewable after that
- Worldwide
- Level benefit basis
- Non smoker discount
- No need to advise change of occupation
Options
- Can vary benefit for each of the categories
- Reducing benefit basis
- Index linking
- Waiver of premium
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