1. Aorta graft surgery – for disease or traumatic injury
2. Aplastic anaemia - of specified severity
3. Bacterial meningitis – resulting in permanent symptoms
4. Benign brain tumour or cyst – resulting in permanent symptoms, surgery or radiosurgery
5. Benign spinal cord tumour or cyst – resulting in permanent symptoms or radiosurgery
6. Blindness – permanent and irreversible
7. Cancer – excluding less advanced cases
8. Cardiac arrest – with insertion of a defibrillator
9. Cardiomyopathy – resulting in a marked loss of ability to do physical activity
10. Coma – with associated permanent symptoms
11. Coronary artery by-pass grafts
12. Creutzfeldt-Jakob disease – resulting in permanent symptoms
13. Deafness – total, permanent and irreversible
14. Dementia, including Alzheimer’s disease – resulting in permanent symptoms
15. Encephalitis – resulting in permanent symptoms
16. Heart attack – definite diagnosis
17. Heart valve replacement or repair
18. Heart structural repair
19. HIV infection
20. Kidney failure - requiring permanent dialysis or transplant
21. Liver failure – irreversible and end stage
22. Loss of limb – permanent physical severance
23. Loss of speech – permanent and irreversible
24. Major organ transplant – specified organs from another donor
25. Motor neurone disease – resulting in permanent symptoms
26. Multiple sclerosis or Neuromyelitis optica (Devic’s Disease) – with past or present symptoms
27. Paralysis of one limb - total and irreversible
28. Parkinson’s disease (idiopathic) – resulting in permanent symptoms
29. Parkinson plus syndromes - resulting in permanent symptoms
30. Pulmonary arterial hypertension (idiopathic) – of specified severity
31. Pulmonary artery graft surgery
32. Respiratory failure of specified severity
33. Stroke – of specified severity
34. Systemic lupus erythematosus – of specified severity
35. Third degree burns of specified surface area
36. Traumatic brain injury – resulting in permanent symptoms

The additional payment on these illnesses is totally separate from the main Specified Illness Cover benefit. That means it does not affect the amount a member could receive if they need to make a specified illness claim for one of the 36 conditions we cover on a full payment basis at a later date.

1. Brain abscess drained via craniotomy
2. Carcinoma in situ – oesophagus, treated by specific surgery
3. Carotid artery stenosis - treated by Endarterectomy or Angioplasty
4. Cerebral or spinal arteriovenous malformation – with surgery, stereotactic, radiosurgery or endovascular repair
5. Coronary artery angioplasty – of specified severity
6. Ductal carcinoma in situ – Breast, treated by surgery
7. Implantable cardioverter defibrillator (ICD) for primary prevention of sudden death
8. Low level prostate cancer with a Gleason score between 2 and 6 – and with specific treatment
9. Severe burns/3rd degree burns covering at least 5% of body surface
10. Surgical removal of one eye

If there are pre-existing conditions, exclusions apply:

• If an individual acquires one of the specified illnesses at any time before their coverage began, it is excluded from cover, and they cannot claim for it.
• If an individual acquires one of the illnesses covered within 2 years of their policy starting, we will not pay their claim for that illness. Coverage for that illness will also end if they had a related condition before their policy started.
• No cancer claims will be paid if the condition appears within the first 6 months of joining the plan. In such circumstances, coverage for cancer ceases. This 6-month exclusion period for cancer overrides the standard 2-year exclusion that applies to other pre-existing conditions.

If an individual suffers a specified illness, they must survive for a minimum period after the date on which the illness was diagnosed or surgery took place, before a payment can be made. In the event of death within this period, no benefit is payable.

The relevant minimum periods are:

• 14 days for Aorta graft surgery, Aplastic anaemia, Bacterial meningitis, Benign brain tumour or cyst, Cancer, Cardiac arrest, Cardiomyopathy, Coma, Coronary artery by-pass grafts, CJD, Encephalitis, Heart attack, Heart valve replacement or repair, Heart structural repair, HIV infection, Kidney failure, Liver failure, Loss of limbs, Major organ transplant, Motor neuron disease, Multiple sclerosis or Neuromyelitis optica (Devic’s Disease), paralysis of one limb, Pulmonary arterial hypertension, Pulmonary artery graft surgery, Respiratory failure, Stroke, Systematic lupus erythematosus, Third degree burns and Traumatic brain injury.
• 6 months for Parkinson’s disease, dementia and blindness.
• 12 months for Deafness and Loss of speech.
• 14 days after surgery in cases where there has been prepayment of part of the benefit. The balance of the benefit would be paid upon survival after this period.