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Illnesses covered for full payment

We have identified 45 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.

If you already have a plan with us, please check your plan terms and conditions to determine what illnesses you are covered for under your own plan.

Listed below are the 45 conditions we cover for full payment. You will find detailed descriptions of these in the product booklets at the bottom of this page.

  • Alzheimer’s disease – resulting in permanent symptoms
  • Aorta graft surgery – for disease or traumatic injury
  • Aplastic anaemia – of specified severity
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign Brain Tumour – resulting in permanent symptoms, surgery or radiosurgery
  • Benign spinal cord tumour or cyst – resulting in permanent symptoms or requiring surgery
  • Blindness – permanent and irreversible
  • Brain injury due to anoxia or hypoxia – resulting in permanent symptoms
  • Cancer – excluding less advanced cases
  • Cardiac arrest – with insertion of a defibrillator
  • Cardiomyopathy – resulting in a marked loss of ability to do physical activity
  • Chronic Pancreatitis – of specified severity
  • Coma – with associated permanent symptoms
  • Coronary artery by-pass grafts
  • Creutzfeldt-Jakob disease – resulting in permanent symptoms
  • Crohn’s disease – of specified severity
  • Deafness – total, permanent and irreversible
  • Dementia – resulting in permanent symptoms
  • Encephalitis – resulting in permanent symptoms
  • Heart attack – definite diagnosis
  • Heart-valve replacement or repair
  • Heart structural repair
  • HIV infection – caught in the European Union, Norway, Switzerland, North America, Canada, Australia and New Zealand, from a blood transfusion, a physical assault or at work in the course of performing normal duties of employment
  • Intensive Care - requiring mechanical ventilation for 10 consecutive days
  • Kidney failure – requiring permanent dialysis
  • Liver failure – irreversible and end stage
  • Loss of independence – permanent and irreversible
  • Loss of one limb – permanent physical severance
  • Loss of speech – permanent and irreversible
  • Major organ transplant – specified organs from another donor
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple sclerosis or Neuromyelitis optica (Devic’s Disease) – with past or present symptoms
  • Paralysis of one limb – total and irreversible
  • Parkinson’s disease (idiopathic) – resulting in permanent symptoms
  • Parkinsonian Plus Syndromes – resulting in permanent symptoms
  • Peripheral Vascular Disease – with bypass surgery
  • Pneumonectomy – the removal of a complete lung
  • Pulmonary Arterial Hypertension (idiopathic) – of specified severity
  • Pulmonary Artery Graft Surgery
  • Respiratory Failure of specified severity
  • Third Degree Burns of specified surface area
  • Spinal stroke – resulting in permanent symptoms
  • Stroke – of specified severity
  • Systemic lupus erythematosus – of specified severity
  • Traumatic head injury – resulting in permanent symptoms


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.