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What are the 36 critical illnesses?

Many people who are looking for critical illness cover are concerned about what is covered and how it works. You might have heard in the past that there are 36 critical illnesses that are covered which isn’t always the case, but it’s a good place to start.

Most critical illness cover policies will include the 36 main conditions as well as several more depending on the insurer and level of the plan.

The following are widely considered 36 critical illnesses:

1. Cancer19. Hepatitis (Fulminant Viral)
2. Heart Attack20. Coronary Artery Disease
3. Stroke21. Encephalitis
4. Kidney Failure22. Head Trauma
5. Multiple Sclerosis23. Medullary Cystic Disease
6. Parkinson’s Disease24. Brain Surgery
7. Alzheimer’s Disease25. Coronary Artery Bypass Surgery
8. Brain Tumour (Benign)26. Lung Disease (end-stage)
9. Paralysis (limbs)27. Surgery of the Aorta
10. Muscular Dystrophy28. Terminal Illness
11. Third Degree Burns29. Loss of Independence
12. HIV30. Major Organ Transplant
13. Cardiomyopathy31. Primary Pulmonary Arterial Hypertension
14. Loss of Speech32. Severe Coronary Artery Disease
15. Chronic Aplastic Anaemia33. Heart Valve Surgery
16. Blindness (Permanent)34. Angioplasty
17. Bacterial Meningitis35. Coma
18. Liver Failure (end-stage)36. Deafness (Permanent)

Looking at the current products that are available, almost all will at least cover these and many more. There are two different categories of critical illness covered that are:

Standard cover: These policies generally cover up to or around 75 critical illness definitions and will payout 100% of the sum assured at the point of claim

Enhanced cover: This type of critical illness cover policy will pay out for up to 182 different serious illness definitions. The main difference is that it will pay out 100% for severe conditions and drop down to 10% based on severity or impact on lifestyle

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