Posted 8 Jan 2021

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. Cancer 19. Hepatitis (Fulminant Viral)
    2. Heart Attack 20. Coronary Artery Disease
    3. Stroke 21. Encephalitis
    4. Kidney Failure 22. Head Trauma
    5. Multiple Sclerosis 23. Medullary Cystic Disease
    6. Parkinson’s Disease 24. Brain Surgery
    7. Alzheimer’s Disease 25. Coronary Artery Bypass Surgery
    8. Brain Tumour (Benign) 26. Lung Disease (end-stage)
    9. Paralysis (limbs) 27. Surgery of the Aorta
    10. Muscular Dystrophy 28. Terminal Illness
    11. Third Degree Burns 29. Loss of Independence
    12. HIV 30. Major Organ Transplant
    13. Cardiomyopathy 31. Primary Pulmonary Arterial Hypertension
    14. Loss of Speech 32. Severe Coronary Artery Disease
    15. Chronic Aplastic Anaemia 33. Heart Valve Surgery
    16. Blindness (Permanent) 34. Angioplasty
    17. Bacterial Meningitis 35. 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 cover which are:

Standard cover: These policies generally cover up to or around 75 critical illness definitions and will pay out 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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If you need more advice or help to get the best critical illness cover for you then please feel free to contact our iam|INSURED experts on 0800 009 6559

Our advice is absolutely FREE and we offer cover from all of the TOP insurance brands

Daniel Sharpe-Szunko
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