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Conditions Covered

This table shows all the medical conditions we cover, whether we cover them as full or diagnosis conditions, and whether the 90-day stand-down period applies.

Covered Conditions Table

ConditionFull Critical Illness BenefitDiagnosis Benefit90-Day Stand-Down
Alzheimer’s disease✓
Aortic surgery✓
Aplastic anaemia✓
Benign brain tumour or spinal cord tumour✓
Blindness✓✓
Cancer✓✓
Cardiomyopathy✓✓
Chronic kidney (renal) failure✓✓
Chronic liver failure✓✓
Coma✓
Coronary artery surgery✓✓
Creutzfeldt-Jakob disease✓
Dementia✓
Encephalitis✓
End stage chronic lung disease✓✓
Heart attack✓✓
Heart valve replacement✓
HIV — medically acquired✓
HIV — occupationally acquired✓
Intensive care treatment✓
Loss of hearing✓✓
Loss of independent existence✓
Loss of limb and sight✓
Loss of limbs✓
Loss of speech✓✓
Major burns✓
Major head trauma✓
Meningitis or meningococcal disease✓
Motor neurone disease✓
Multiple sclerosis✓✓
Muscular dystrophy✓
Open heart surgery✓
Organ transplant✓
Out of hospital cardiac arrest✓
Paralysis✓
Parkinson’s disease✓
Pneumonectomy✓
Primary pulmonary hypertension✓
Severe cognitive impairment✓
Severe diabetes✓
Severe inflammatory bowel disease✓
Severe peripheral neuropathy✓
Stroke✓✓
Systemic lupus erythematosus (SLE) with lupus nephritis✓
Systemic sclerosis✓✓
Terminal illness✓✓
Triple vessel angioplasty✓✓

The detailed medical criteria for each condition are provided in the Medical Definitions section.