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Definitions tool

Find our current and previous definitions for the critical illness, additional condition or child specific conditions we cover.

ACC - Additional covered condition
CSC - Child-specific condition - available with Enhanced Children's Critical Illness Cover

Recent updates

Aplastic anaemia- with bone marrow failure

December 2023

We've removed the need for treatment. Payment will now be made based on diagnosis only.

Read more  about Aplastic anaemia- with bone marrow failure

Cancer

December 2023

We've extended this definition to include skin cancers including sarcomas and lymphomas.

Read more  about Cancer

Coma - with associated symptoms

December 2023

We've changed the period of 96 hours needed for life support to 72 hours.

Read more  about Coma - with associated symptoms

Severe bowel disease

December 2023

This is a new definition.

Read more  about Severe bowel disease

Desmoid type fibromatosis (ACC)

December 2023

This is a new definition.

Read more  about Desmoid type fibromatosis (ACC)

Diabetes mellitus type 1 (ACC)

December 2023

This is a new definition.

Read more  about Diabetes mellitus type 1 (ACC)

All Conditions

Accident hospitalisation (ACC)

Aorta graft surgery

Aortic aneurysm - with endovascular repair (ACC)

Aplastic anaemia - with bone marrow failure

Bacterial meningitis 

Benign brain or spinal cord tumour

Blindness

Bowel disease - treated with intestinal resection (ACC)

Brain injury due to anoxia or hypoxia 

Cancer

Carcinoma in situ of the breast (ACC)

Carcinoma in situ of the cervix uteri (ACC)

Carcinoma in situ of the colon or rectum (ACC)

Carcinoma in situ of the larynx - with specified treatment (ACC)

Carcinoma in situ of the oesophagus (ACC)

Carcinoma in situ of the renal pelvis or ureter - supported by histological evidence (ACC)

Carcinoma in situ of the testicle (ACC)

Carcinoma in situ of the urinary bladder (ACC)

Carcinoma in situ of the vagina or vulva (ACC)

Carcinoma in situ (other) (ACC)

Cardiac arrest

Cardiomyopathy 

Carotid artery stenosis (ACC)

Cauda equina syndrome - with permanent symptoms

Central retinal artery or vein occlusion (ACC)

Cerebral or spinal aneurysm (ACC)

Cerebral or spinal arteriovenous malformation (ACC)

Cerebral palsy (CSC)

Child diabetes mellitus Type 1 (CSC)

Child intensive care benefit (CSC)

Chronic lung disease

Coma - with associated symptom

Coronary angioplasty (ACC)

Coronary artery bypass grafts

Craniosynostosis (CSC)

Creutzfeldt-Jakob disease (CJD)

Crohn's disease

Cutaneous lymphoma (ACC)

Cystic fibrosis (CSC)

Deafness

Dementia including Alzheimer's disease

Desmoid type fibromatosis (ACC)

Diabetes mellitus type 1 (ACC)

Down's syndrome (CSC)

Edwards syndrome (CSC)

Encephalitis

 

Gastrointestinal stromal tumour (GIST) or neuroendocrine tumour (NET) of low malignant potential - with surgery (ACC)

Heart attack

Heart failure - of specified severity

Heart valve replacement or repair

Heartbeat abnormalities - with permanent pacemaker insertion (ACC)

Hydrocephalus (CSC)

 

Intensive care

Kidney failure

Less advanced Gastrointestinal stromal tumour (ACC)

Less advanced neuroendocrine tumour (WHO grade 1) - treated with surgery (ACC)

Less severe Cardiomyopathy (ACC)

Less severe heart failure (ACC)

Liver failure

Loss of hand or foot

Loss of independent existence

Loss of speech

Loss or removal of an eyeball

Low grade prostate cancer (ACC)

Major organ transplant

Motor neurone disease

Multiple sclerosis

Multiple system atrophy

Muscular dystrophy (CSC)

Neuromyelitis optica (Devic's disease)

Osteogenesis imperfecta (CSC)

Ovarian tumour of borderline malignancy/low malignant potential – with surgical removal of an ovary (ACC)

Paralysis of limbs

Parkinson plus syndromes

Parkinson's disease

Partial loss of sight

Patau syndrome (CSC)

Peripheral vascular disease

Pituitary gland tumour (ACC)

Pneumonectomy

Pregnancy complications (ACC)

Progressive supranuclear palsy

Pulmonary artery graft surgery

Pulmonary hypertension

Serious mental illness

Severe bowel disease

Severe sepsis

Skin cancer (not including melanoma) (ACC)

Spina bifida (CSC)

Spinal stroke

Stroke

Structural heart surgery

Surgical repair of an atrial or ventricular septal defect (CSC)

Syringomyelia or syringobulbia

Systemic lupus erythematosus

Terminal illness

Third degree burns

Third degree burns (ACC)

Total permanent disability

Ulcerative colitis