We offer 67 definitions. 47 pay the full amount of cover and 20 additional conditions (including 13 additional conditions for early forms of cancer) pay 25% of the amount of cover, up to a maximum of £25,000, over and above the amount covered.14 definitions exceed the Association of British Insurers’ standard definitions.
When clients take out Enhanced Children's Critical Illness Cover, it provides protection from pregnancy to young adulthood (age 21). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications. In addition, children are also covered for the 47 main conditions, total permanent disability, terminal illness and the 20 additional conditions currently available on our Critical Illness Cover.
We’ll pay a claim if your client meets one of the critical illness or additional conditions definitions listed in the plan details booklet. If we pay a claim for an additional condition and your client then meets one of our critical illness definitions, we’d pay the full amount they’re covered for too.
Visit our interactive definitions search tool for our full list of critical illness definitions. You can view both our current definitions and past definitions wording to see how they've changed over time.
For more information about each definition and our additional conditions see our plan details.
Our Life or Critical Illness Cover pays out when the first of the following happens, the person covered:
|Term of cover||
1 - 50 years
|Basis of cover||
|Guaranteed or reviewable||Guaranteed and reviewable|
|Maximum amount of cover||£3,000,000
(If increasing cover is chosen)
|Minimum age when cover starts||18 attained|
|Maximum age when cover starts||69 attained|
|Maximum age when cover ends||84 attained|
|Payment of cover||
~ not available on decreasing covers