Critical Insurance Coverage

Updated: Aug 20, 2018

Critical illness coverage; CI insurance limitation; CI insurance benefits

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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