SERIOUS ILLNESS COVER CONDITIONS COVERED

Transcription

1 SERIOUS ILLNESS COVER CONDITIONS COVERED THE AVERAGE NUMBER OF ILLNESSES AND CONDITIONS MOST CRITICAL ILLNESS POLICIES COVER IS AROUND 45 But with our Primary Serious Illness Cover you re covered for over 100. And with our Comprehensive Serious Illness Cover, you ll be covered for over 170. WE RECOGNISE THAT CONDITIONS CAN HAVE A BIG IMPACT ON YOUR LIFE WITHOUT BEING CRITICAL Our cover is designed to give you financial support that matches the impact. We ll payout 100%, 75%, 50%, 25%, 15%,10% or 5% of your cover depending on the severity of your condition. The more severe, the larger the payment you ll receive. AFTER WE MAKE A PAYMENT TO YOU, THE REST OF YOUR COVER IS STILL AVAILABLE IF YOU NEED TO CLAIM AGAIN Your cover only stops when it s all paid out or your term comes to an end. WE ALSO GIVE YOU THE OPTION TO TOP YOUR COVER BACK UP AFTER YOU VE MADE A CLAIM You can reinstate your cover back to 100% of the original cover amount after a claim. COMMON ILLNESSES AND CONDITIONS COVERED BY MOST OTHER CRITICAL ILLNESS PROVIDERS Alzheimers disease Aorta graft surgery Aplastic anaemia Bacterial meningitis Benign brain tumour Benign spinal tumour Blindness Cancer Carcinoma in situ of the breast Cardiomyopathy Coma Coronary artery bypass grafts Creutzfeldt-Jakob disease Deafness Encephalitis Heart attack Heart valve replacement or repair HIV infection Kidney failure Liver failure Loss of hands or feet Loss of speech Low grade prostate cancer Major organ transplant Motor neurone disease Multiple sclerosis Open heart surgery Paralysis of limbs Parkinsons disease Pneumonectomy Pre-senile dementia Progressive supranuclear palsy Pulmonary artery surgery Severe lung disease Stroke Systemic lupus erythematosus Terminal Illness Third degree burns Total permanent disability Traumatic head injury

2 You re up to 2½ times more likely to get a payout with us than with a typical insurer We cover more illnesses and conditions than any other insurer VitalityLife s Serious Illness Cover offers protection against serious illnesses as well as advanced or life threatening ones, unlike most typical critical illness policies that only cover the most critical conditions. Verified by Hannover Re UK Life Branch, January 2016

3 ILLNESSES AND CONDITIONS COVERED BY OUR SERIOUS ILLNESS COVER All of the categories below have specified conditions of defined severity. 100% 75% 50% 25% 15% 10% 5% CONDITIONS COVERED BY OUR PRIMARY AND COMPREHENSIVE COVER CANCER Advanced aplastic anaemia Advanced chronic lymphocytic leukaemia l Advanced Hodgkin s disease l s Advanced non-hodgkin s lymphoma l s Cancer excluding less advanced cases l s Carcinoma in-situ of the oesophagus - requiring surgery Low-grade prostate cancer Marrow aplasia Mastectomy for carcinoma in-situ of the breast Multiple myeloma l Myelodysplasia s CONNECTIVE TISSUE DISEASE Giant cell arteritis l s Polyarteritis nodosa l s Polymyositis l s Rheumatoid arthritis l s Systemic lupus erythematosis l s Systemic sclerosis (scleroderma) l s Wegener s granulomatosis l s EAR Deafness permanent and irreversible l Significant hearing loss in both ears s EYE Blindness permanent and irreversible l Central blindness Severe visual impairment l Significant visual impairment s GASTROINTESTINAL Bowel ischemia requiring surgery Chronic pancreatitis Fulminant hepatic necrosis l Permanent faecal incontinence l Sclerosing cholangitis s Severe cirrhosis of the liver l Severe gastrointestinal disease requiring hospitalisation s Severe inflammatory Crohn s disease s Total colectomy HEART AND ARTERY Any other cardiac condition resulting in a reduced ejection fraction l Aorta graft surgery By-pass graft surgery to 3 or more coronary arteries Cardiomyopathy resulting in a reduced ejection fraction l Congestive heart failure l Coronary artery by-pass grafts with surgery to divide the breastbone s Endovascular repair of an aortic aneurysm Heart attack l s Heart valve replacement or repair Hypertrophic cardiomyopathy of specified severity l Severe peripheral vascular disease l Severe vascular disease affecting multiple systems l Surgical repair of a structural lesion of the heart or an atrial or ventricular septal defect HIV Accidental HIV infection caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation l MAJOR ORGAN TRANSPLANT Major organ transplant l MUSCULOSKELETAL TRAUMA Intensive care for 10 days continuous duration s Less extensive third degree burns covering 15% of the body s surface Less extensive third degree burns covering 10% of the body s surface s Loss of a single hand or foot s Loss of a single limb Loss of hands or feet permanent physical severance l Loss of use of a whole hand s Surgical re-attachment of an amputated limb Third degree burns covering 20% of the body s surface area l PERMANENT DISABILITY Cauda equina l Total permanent disability own occupation l s Total permanent disability permanent failure of functional activity l s Persistent confusional state l Total lack of social interaction l RESPIRATORY Chronic obstructive pulmonary disease s Cor pulmonale l Fibrotic lung disease l s Home oxygen therapy s Primary pulmonary hypertension l Removal of one lobe of the lungs Removal of two or more lobes of the lungs s STROKE AND NERVOUS SYSTEM Alzheimer s disease resulting in permanent symptoms l s Benign brain tumour resulting in permanent symptoms l s Bilateral hemianopia Coma resulting in permanent symptoms l s Craniotomy Craniotomy to treat a cerebral arteriovenous malformation Creutzfeldt-Jakob disease resulting in permanent symptoms l s Dementia resulting in permanent symptoms l s Devic s disease Drainage of brain abscess by craniotomy Encephalitis resulting in permanent symptoms l s Functional surgery for movement disorders Guillain-Barré syndrome Loss of manual dexterity l Loss of muscle power resulting in the inability to grip l Loss of speech permanent and irreversible l Motor neurone disease resulting in permanent symptoms l s Multiple sclerosis resulting in current symptoms l s Muscular dystrophy l s Neurological diseases l s Paralysis of limbs total and irreversible l Parkinson s disease resulting in permanent symptoms l s Persistent vegetative state l Progressive supra-nuclear palsy resulting in permanent symptoms l s Shunt insertion for hydrocephalus Spinal stroke Spinal tumour Stroke l s Surgery for drug resistant epilepsy s Traumatic brain injury resulting in permanent symptoms l s UROGENITAL AND KIDNEY Acute renal dialysis Chronic renal impairment s Cystectomy s Kidney failure requiring dialysis l Nephrectomy Partial cystectomy Severe chronic renal impairment

4 ADDITIONAL CONDITIONS ONLY COVERED BY OUR COMPREHENSIVE COVER CANCER Carcinoma in-situ Lumpectomy for ductal carcinoma in-situ of the breast H Myelodysplasia w Non-melanoma skin cancer squamous cell and basal cell carcinomas of specified severity CONNECTIVE TISSUE DISEASE Giant cell arteritis H Pemphigus vulgaris H Polyarteritis nodosa H Polymyositis H Rheumatoid arthritis H Systemic lupus erythematosis H Systemic sclerosis (scleroderma) H Wegener s granulomatosis H EAR Radical mastoid surgery H ENDOCRINE AND METABOLIC DISEASES Acromegaly H Addison s disease H Adrenalectomy H Conn s syndrome H Cushing s syndrome H Diabetes insipidus w Insulin dependent diabetes mellitus (Type I) w Insulinoma H Pheochromocytoma H Radiotherapy to the pituitary gland H Sheehan s syndrome w Simmond s disease H Surgical removal of the pituitary gland H Thyrotoxic crisis w EYE Blindness in one eye w Central retinal occlusion w Corneal transplant H Surgical removal of one eye w Surgical repair of a detached retina H Tunnel vision w GASTROINTESTINAL Chronic inflammatory hepatitis w Cirrhosis of the liver w Loss of use of more than one third of the tongue w Moderately severe inflammatory bowel disease with current or previous symptoms H Partial hepatectomy w Permanent rectal fistula H Portal vein thrombosis w Surgical repair of a tracheal-oesophageal fistula H HEART AND ARTERY Angioplasty (coronary) or PTCA (Percutaneous Transluminal Coronary Angioplasty) H Angioplasty to correct carotid artery stenosis H Balloon valvuloplasty w Cardioversion for cardiac arrhythmia H Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation H Femoral artery aneurysm repair w Iliac artery aneurysm repair w Infective endocarditis H Keyhole coronary artery bypass surgery H Pericardectomy w Permanent defibrillator insertion H Permanent pacemaker insertion H Surgery for cardiac arrhythmia H Surgery to correct carotid artery stenosis w Surgical repair of an atrial or ventricular septal defect H MUSCULOSKELETAL TRAUMA Amputation of two or more fingers or thumbs H Le Fort III reconstruction w Less extensive third degree burns - covering 5% of the body s surface w RESPIRATORY Fibrotic lung disease H Mechanical ventilatory support for near drowning H Pleurectomy w Pulmonary embolus w Surgical drainage of a lung abscess w Surgical drainage of empyema w STROKE AND NERVOUS SYSTEM Alzheimer s disease H Bacterial meningitis H Benign brain tumour resulting in permanent symptoms H Creutzfeldt-Jakob disease H Dementia H Encephalitis H Endovascular treatment of a cerebral arteriovenous malformation w Motor neurone disease resulting in permanent symptoms H Multiple sclerosis H Parkinson s disease resulting in permanent symptoms H Progressive supra-nuclear palsy H Stereotactic brain surgery H Surgical repair of depressed skull fracture w Traumatic brain injury with clinical symptoms H UROGENITAL AND KIDNEY Bilateral orchidectomy w Bladder fistula H Partial nephrectomy w Surgical repair of a kidney w

5 SERIOUS ILLNESS COVER INCLUDES: FAMILY BENEFIT Family Benefit helps to support a family at a special stage of life, covering pregnancy complications and more. CORE SERIOUS ILLNESS COVER FOR CHILDREN Core Serious Illness Cover for Children pays a lump sum if your child suffers from a serious illness that we cover. This feature is not available with the Essentials plan. YOU CAN ENHANCE YOUR COVER BY ADDING: SERIOUS ILLNESS COVER BOOSTER Serious Illness Cover Booster gives you even more help coping with the long-term effects of some serious illnesses. For some conditions, we ll pay out more between 100% and 200% of your cover amount. OPTIONAL SERIOUS ILLNESS COVER FOR CHILDREN If you d like to extend the cover that Core Serious Illness Cover for Children provides, Optional Serious Illness Cover for Children offers up to 100,000 of extra cover. PROTECTED COVER Should you choose to take out Life and Serious Illness Cover, Protected Cover can safeguard your protection against future claims. If you need to make a Serious Illness Cover claim, you can choose for your Life Cover or your Life and Serious Illness Cover to be topped right back up again, so your full cover continues after a claim. VITALITY OPTIMISER With Vitality Optimiser, your client can get all of our discounts and rewards with an upfront discount on our award-winning cover. FIND OUT MORE To find out more about our Serious Illness Cover or any of our other products, please speak to your Financial Adviser or take a look at vitalitylife.co.uk VitalityLife is a trading name of Vitality Corporate Services Limited which is authorised and regulated by the Financial Conduct Authority. All information correct as at February PRUPM10029_02/2016_J0077 Part of the Discovery Group