- •Cancer (excluding less advanced cases)
- •Leukaemia (of specified severity)
- •Hodgkin's disease
- •Lymphoma (non-Hodgkin's)
- •Bone marrow failure
- •Aplastic anaemia (of specified severity)
- •Heart attack (of specified severity)
- •Coronary artery bypass surgery
- •Heart valve replacement/repair
- •Aorta graft surgery
- •Pulmonary artery surgery
- •Cardiomyopathy (of specified severity)
- •Heart failure (permanent)
- •Cardiac arrest requiring defibrillator
- •Stroke (with permanent symptoms)
- •Brain tumour (benign or malignant)
- •Coma (resulting in permanent symptoms)
- •Encephalitis
- •Bacterial meningitis
- •Multiple sclerosis
- •Motor neurone disease
- •Parkinson's disease
- •Alzheimer's disease (before age 60)
- •Creutzfeldt-Jakob disease (CJD)
- •Progressive supranuclear palsy
- •Dementia (before age 60)
- •Kidney failure (requiring dialysis)
- •Liver failure (chronic and permanent)
- •Lung failure (chronic)
- •Major organ transplant
- •Bone marrow transplant
- •Pancreatic failure (Type 1 diabetes with complications)
- •Paralysis (total and permanent)
- •Loss of limbs (two or more)
- •Loss of hand or foot
- •Third degree burns (covering at least 20% of body)
- •Total and permanent disability
- •Loss of speech (total and permanent)
- •Blindness (total and permanent)
- •Deafness (total and permanent)
- •Loss of independent existence
- •HIV infection (occupationally acquired)
- •Hepatitis C (occupationally acquired)
- •Benign brain tumour
- •Benign spinal cord tumour
- •Systemic lupus erythematosus (with specified severity)
- •Rheumatoid arthritis (of specified severity)
- •Crohn's disease (severe chronic)
- •Ulcerative colitis (severe chronic)
- •Necrotising fasciitis
- •Aplastic anaemia (permanent)
- •Pneumonectomy (removal of complete lung)
- •Primary pulmonary hypertension
Important Information
Coverage varies between insurers: Each insurance company defines conditions differently and may have different criteria for when a claim can be made. The number of conditions covered can range from 40-50+ depending on the policy.
Definitions matter: The specific definition of each condition is crucial. What one insurer considers a "heart attack of specified severity" may differ from another. We'll help you compare the fine print.
New conditions added regularly: Insurance companies regularly add coverage for newly recognised critical illnesses. Modern policies are significantly more comprehensive than older ones.
This is a guide only: This list represents typical coverage but is not exhaustive. Always refer to the specific policy documents for exact definitions and full details of what is and isn't covered.