Model Definitions For Additional Conditions Concerning Critical Illness Insurance

The Association of British Insurers had also published in its Statement of Best Practice for Critical Illness Cover May 2002, the model definitions for additional conditions covered. When you compare policies, you could do so in regards with the core critical illness section. It can be said that these critical illnesses could be more likely to happen. Not all policies cover or contain the same critical illnesses but many of them may cover a critical illness such as heart attack, cancer or stroke.

Here is the model definitions for the additional critical illnesses

Aorta graft surgery
Undergoing surgery for such a critical illness, needing excision and surgical replacement of a portion of the diseased aorta with a graft. For this definition, aorta means the thoracic and abdominal aorta but not its branches.

Benign brain tumour
A critical illness like brain tumour is a non-malignant tumour in the brain resulting in permanent deficit to the neurological system. Tumours or lesions in the pituitary gland are not covered.

Blindness
A critical illness such as blindness may lead to total permanent and irreversible loss of all sight in both eyes.

Coma
A state of unconsciousness with no reaction to external stimuli or internal needs, persisting continuously with the use of life support systems for a period of at least 96 hours and resulting in permanent neurological deficit. Coma secondary to alcohol or drug misuse is not covered.

Deafness
Deafness is a critical illness that may lead to total permanent and irreversible loss of all hearing in both ears.

Heart valve replacement or repair
Undergoing open heart surgery from medical necessity to replace or repair one or more heart valves.

Loss of limbs
The permanent physical severance of two or more limbs from above the [elbow/wrist] or [knee/ankle] joint.

Loss of speech
Loss of speech is a critical illness that may lead to total permanent and irreversible loss of the ability to speak as a result of physical injury or disease.

Motor neurone disease [before age x] Confirmation by a Consultant Neurologist of a definite diagnosis of a critical illness like Motor Neurone Disease [before age x].

Paralysis / paraplegia
Paralysis is a critical illness that may lead to total irreversible loss of muscle function or sensation to the whole of any two limbs as a result of injury or disease. The critical illness must be permanent and supported by appropriate neurological evidence.

Parkinson’s disease [before age x] A critical illness such as Parkinson’s disease needs confirmation by a Consultant Neurologist of a definite diagnosis of Parkinson’s Disease [before age x]. Parkinson’s Disease secondary to alcohol or drug misuse is not covered.

Terminal illness
A critical illness like terminal illness is an advanced or rapidly progressing incurable illness where, in the opinion of an attending Consultant and our Chief Medical Officer, the life expectancy is no greater than 12 months. [AIDS is specifically excluded and not covered under this definition.]

Third degree burns
A critical illness like third degree burns covering at least 20% of the body surface area.

source: www.abi.org.uk