Critical 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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