Critical Illness Insurance Coverage

You can purchase critical illness insurance with either 4-condition coverage or 25-condition coverage.
4-condition coverage:
This is the most cost-conscious option and covers conditions that generate 85% of claims.
Cancer (life threatening)
Heart attack
Stroke (cerebrovascular accident)
Coronary artery bypass surgery
25-condition coverage:
This is the most comprehensive coverage option and has the added benefit of covering five childhood conditions until the child is 24 years old.
Alzheimer’s disease
Aortic surgery
Aplastic anaemia
Bacterial meningitis
Benign brain tumour
Blindness
Cancer (life-threatening)
Coma
Coronary artery- bypass surgery
Deafness
Heart attack
Heart valve replacement
Kidney failure
Loss of independent existence†
Loss of limbs
Loss of speech
Major organ transplant
Major organ failure on waiting list
Motor neuron disease
Multiple sclerosis
Occupational HIV infection
Paralysis
Parkinson’s disease
Severe burns
Stroke (cerebrovascular accident)
The following five (5) childhood Critical Illness Covered Conditions are included up to the insured’s 24th birthday:
Cerebral palsy
Congenital heart disease
Cystic fibrosis
Muscular dystrophy
Type 1 diabetes mellitus
Please note that a more detailed description and definition of each of these conditions and their associated exclusions, limitations and the 30-day survival period is set out in the policy contract. Any illness, disorder or surgery not specifically defined in the contract is not covered.
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