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.

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  Cancer (life threatening)

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  Heart attack

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  Stroke (cerebrovascular accident)

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  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.

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  Alzheimer’s disease

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  Aortic surgery

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  Aplastic anaemia

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  Bacterial meningitis

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  Benign brain tumour

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  Blindness

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  Cancer (life-threatening)

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  Coma

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  Coronary artery- bypass surgery

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  Deafness

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  Heart attack

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  Heart valve replacement

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  Kidney failure

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  Loss of independent existence†

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  Loss of limbs

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  Loss of speech

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  Major organ transplant

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  Major organ failure on waiting list

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  Motor neuron disease

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  Multiple sclerosis

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  Occupational HIV infection

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  Paralysis

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  Parkinson’s disease

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  Severe burns

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  Stroke (cerebrovascular accident)

The following five (5) childhood Critical Illness Covered Conditions are included up to the insured’s 24th birthday:

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  Cerebral palsy

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  Congenital heart disease

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  Cystic fibrosis

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  Muscular dystrophy

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  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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