Welcome, how can we help?
Policy Types
Getting Technical
Home / - Critical Illness Life Insurance Cover
The aim is to provide a guaranteed lump sum (or income if provided within a Family Income Benefit policy) if the life assured, during the period of cover, is diagnosed as having one of a number of specified critical illnesses covered by the policy.
Will you get a Critical Illness?
Click below to learn more about each Critical Illness that is usually covered.
Alzheimer’s disease
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
HIV or AIDS from blood transfusion
HIV or AIDS from occupational duties or accident
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis - Paraplegia
Parkinson’s disease
Stroke
Third degree burns
Total permanent disability to age 65
NEWS
Scottish C Diff outbreak kills pensioners
03 July 2008 17:55:57
An outbreak of the bug Clostridium Difficile has led to a record number of pensioners in Scotland contracting the virus which could effect UK life insurance for those that have C Diff.
Figures showed that there were 1861 cases of C Diff among the over 65s between January and March of this year - a 14 per cent increase from a similar time period in 2007.
These figures are released following an outbreak at Vale of Leven Hospital in west Dunbartonshire, where nine people were killed and a further 50 were infected with the C Diff bug.
Health Secretary, Nicola Sturgeon, said that she had asked health boards to ensure systems for tackling hospital infections are being followed.
She said: "Scotland has one of the most comprehensive sets of policies and procedures to manage healthcare associated infection (HAI) in Europe.
"However, recent events at the Vale of Leven show how vital it is for boards to ensure that these policies and procedures are applied to a high standard."
Normal fatality rates for people that contract C Diff are at 7 per cent, however at Vale Leven this increased to 30 per cent - when taking into account the further 16 deaths directly linked to the outbreak.
Contracting a superbug may well effect patients life insurance policies.
Stem cell research could help heart disease patients
03 July 2008 17:48:03
A government fertility watchdog has given the go-ahead for stem cell research that will be used to study fatal heart diseases.
Warwick Medical School researchers will use part-human and part-animal embryos for the first time to carry out their study which could eventually have an effect on the cost of life insurance policies for patients with heart disease.
The team plans to create embryos that are 99.9 per cent human DNA and 0.1 per cent pig DNA and stem cells extracted from the embryos will be grown into human heart cells.
Chemicals will be used to destroy the pig DNA before the researchers grow the human heart cells.
Justin St John, heading up the research team, explained what they hope to achieve from the process: "Ultimately they will help us understand where some of the problems associated with these diseases arise, and they could also provide models for the pharmaceutical industry to test new drugs."
Licenses have been granted to two other British teams that are hoping to create hybrid embryos but neither planned to extract animal DNA from the stem cells first.
Conditions such as heart disease can often have an impact on the cost of UK life insurance.
Heart op boy will die in two weeks without transplant
02 July 2008 17:03:39
A baby born with half a heart has just two weeks to live unless a donor can be found, doctors have told his parents.
Born with Hypoplastic Left Heart Syndrome, Theo Davies is currently on a life support machine which can only keep him alive for a short period of time, unless he has a transplant.
Talking about her desperation, Theo's mother Rebecca Giles, said: "People say 'Oh, it must be a nightmare for you'. But it's worse than that. I can't think of a worse situation to be in."
She continued: "Our child will die in two weeks unless we can find a heart donor. But to find another heart for Theo means that another child will die."
Theo has already had to endure five major operations since he was born and survived his heart stopping for an hour last week.
Surgeons in the US are about to undertake the first implantation of a Jarvik heart pump which, it is hoped, could help to solve a shortage of donor hearts.
One of the biggest difficulties facing people with heart problems is securing regular life insurance.
03 July 2008 17:55:57
An outbreak of the bug Clostridium Difficile has led to a record number of pensioners in Scotland contracting the virus which could effect UK life insurance for those that have C Diff.
Figures showed that there were 1861 cases of C Diff among the over 65s between January and March of this year - a 14 per cent increase from a similar time period in 2007.
These figures are released following an outbreak at Vale of Leven Hospital in west Dunbartonshire, where nine people were killed and a further 50 were infected with the C Diff bug.
Health Secretary, Nicola Sturgeon, said that she had asked health boards to ensure systems for tackling hospital infections are being followed.
She said: "Scotland has one of the most comprehensive sets of policies and procedures to manage healthcare associated infection (HAI) in Europe.
"However, recent events at the Vale of Leven show how vital it is for boards to ensure that these policies and procedures are applied to a high standard."
Normal fatality rates for people that contract C Diff are at 7 per cent, however at Vale Leven this increased to 30 per cent - when taking into account the further 16 deaths directly linked to the outbreak.
Contracting a superbug may well effect patients life insurance policies.
03 July 2008 17:48:03
A government fertility watchdog has given the go-ahead for stem cell research that will be used to study fatal heart diseases.
Warwick Medical School researchers will use part-human and part-animal embryos for the first time to carry out their study which could eventually have an effect on the cost of life insurance policies for patients with heart disease.
The team plans to create embryos that are 99.9 per cent human DNA and 0.1 per cent pig DNA and stem cells extracted from the embryos will be grown into human heart cells.
Chemicals will be used to destroy the pig DNA before the researchers grow the human heart cells.
Justin St John, heading up the research team, explained what they hope to achieve from the process: "Ultimately they will help us understand where some of the problems associated with these diseases arise, and they could also provide models for the pharmaceutical industry to test new drugs."
Licenses have been granted to two other British teams that are hoping to create hybrid embryos but neither planned to extract animal DNA from the stem cells first.
Conditions such as heart disease can often have an impact on the cost of UK life insurance.
02 July 2008 17:03:39
A baby born with half a heart has just two weeks to live unless a donor can be found, doctors have told his parents.
Born with Hypoplastic Left Heart Syndrome, Theo Davies is currently on a life support machine which can only keep him alive for a short period of time, unless he has a transplant.
Talking about her desperation, Theo's mother Rebecca Giles, said: "People say 'Oh, it must be a nightmare for you'. But it's worse than that. I can't think of a worse situation to be in."
She continued: "Our child will die in two weeks unless we can find a heart donor. But to find another heart for Theo means that another child will die."
Theo has already had to endure five major operations since he was born and survived his heart stopping for an hour last week.
Surgeons in the US are about to undertake the first implantation of a Jarvik heart pump which, it is hoped, could help to solve a shortage of donor hearts.
One of the biggest difficulties facing people with heart problems is securing regular life insurance.