Medical Conditions Covered - What critical illnesses are covered?

Cover for children includes all but the "extra" conditions, and is usually free. Child Health Insurance covers children for up to £15,000. Bacterial Meningitis cover is always built-in for children.
The classification below follows the Association of British Insurers (ABI) standard for critical illness. Formed in 1985, the ABI is the voice of insurance, representing the general insurance, investment and long-term savings industry. Latest figures (published by the ABI in December 2012) emphasizes the crucial function insurance plays in helping ordinary people cope with the monetary worries that are caused by a sudden death, severe illness or injury. Throughout 2011, insurers paid out £6.7million EVERY DAY, to individuals and families who had taken out life, critical illness and/ or income protection policies. Read more news at the ABI.

When it comes to health, oral health often ends up being lower down the pile than other areas of health. And yet oral health can be incredibly important. Dentists serve as more than just teeth whitening specialists - yes, it is important to have a white smile as it looks nice, but it is also a sign of your oral health generally. Not visiting a dentist for regular check ups, not brushing your teeth twice a day and not eating healthily can lead to gum disease and tooth decay, which is not only painful and nasty, but has also been linked to heart disease. So it is important to look after your mouth in order to look after the rest of you.  

These classifications are:
Extra conditions need not be covered to be ABI-compliant
Additional conditions must be covered to be ABI-compliant
Core conditions must be covered to be ABI-compliant

Critical illness products do not need to include Total and Permanent Disability (TPD) cover to be compliant. However, Total and Permanent Disability cover, for many people, is the single most important priority they want to insure against.

Condition Importance:

  • AIDS/HIV (through occupational duties)
  • AIDS/HIV (through UK blood transfusion) 
  • Alzheimer's Disease 
  • Aplastic Anaemia 
  • Bacterial Meningitis 
  • Chronic Liver Failure 
  • Chronic Lung Disease 
  • Creutzfeld-Jakob Disease (CJD) 
  • Loss of Independent Existence  
  • Rheumatoid Arthritis 
  • Rheumatoid Arthritis 
  • Total and Permanent Disability



  • Aorta Graft Surgery
  • Benign Brain Tumour
  • Blindness
  • Coma
  • Deafness
  • Heart Valve Replacement or Repair
  • Loss of Limbs
  • Loss of Speech
  • Motor Neurone Disease
  • Paralysis / Paraplegia
  • Parkinson's Disease
  • Terminal Illness
  • Third Degree Burns


  • Cancer  
  • Coronary Artery By-Pass Surgery 
  • Heart Attack 
  • Kidney Failure 
  • Major Organ Transplant 
  • Multiple Sclerosis 
  • Stroke 

Heart Disease Cannot be stopped but the liklihood can be reduced.

Heart disease and stroke are the two most important causes of serious illness and premature death in Western society. The aim of this book is to help you reduce your chances of suffering heart disease or stroke, and to advocate a way of life that will combine health, longevity and happiness. more


  The web site does not have answers to all problems. Answers to specific problems may not apply to everyone. The materials in this web site are in no way intended to replace the professional medical care, advice, diagnosis or treatment of a doctor. If you notice medical symptoms or feel ill, you should consult your doctor.