Which illnesses are covered for full payment?

We have identified 37 conditions that could change your life so much that you would need financial help. Within this we have a condition called ‘loss of independence’. We include this condition to make your total cover more wide-ranging. It will be particularly valuable as you get older.

Listed below are the 37 conditions we cover for full payment. You will find detailed descriptions of these in the product booklets.

• Life Mortgage Cover (pdf 495kb)
• Life Term Cover (pdf 523kb)

1. Alzheimer’s disease
2. Aorta graft surgery
3. Aplastic anaemia
4. Bacterial meningitis
5. Benign brain tumour
6. Benign spinal cord tumour
7. Blindness
8. Cancer (malignant)
9. Cardiomyopathy
10. Coma
11. Coronary artery by-pass graft
12. Creutzfeldt-Jakob disease
13. Deafness
14. Dementia
15. Encephalitis
16. Heart attack (diagnosed)
17. Heart-valve replacement or repair
18. Heart structural repair with surgery to divide the breast bone.
19. HIV infection caught in the European Union, North America, Australia and New Zealand from a blood transfusion, a physical assault or at work in an eligible occupation.
20. Kidney failure
21. Liver failure
22. Loss of independence
23. Loss of limbs
24. Loss of speech
25. Major organ transplant
26. Motor neurone disease
27. Multiple sclerosis
28. Paralysis of limbs
29. Parkinson’s disease (idiopathic)
30. Primary pulmonary hypertension
31. Progressive supranuclear palsy
32. Pulmonary artery surgery
33. Respiratory failure of specified severity
34. Severe burns or third-degree burns
35. Stroke – permanent symptoms
36. Systemic lupus erythematosus
37. Traumatic head injury

We do not cover any other conditions for full payment.

Once you claim for your full specified illness cover, your specified illness cover ends and you cannot make any further specified illness claims, including a partial payment claim.