Medical Conditions Covered in Zurich’s Critical Illness Cover

December 11th, 2019
Medical

Zurich’s Level Protection Plan can be purchased as a life cover or a critical illness cover. This means it will offer a pay out in case the policyholder dies or catches up with a critical illness. Cover is offered for illnesses which may result in the death of the person in a year or is termed as non-curable. Zurich has defined and listed numerous illnesses which prove to be critical and are thus covered in the policy.
The company has full definitions of illnesses and the circumstances in which one can make a claim if they acquire any of these diseases. If you are diagnosed with any of the diseases listed in the plan then you will be given the pay-out. More details can be checked from the insurer.

Zurich’s Level Protection Plan covers the following medical conditions and operations:

  1. Aorta graft surgery – for disease and trauma

  2. Aplastic anaemia – of specified severity

  3. Bacterial meningitis – resulting in permanent symptoms

  4. Benign brain tumour – resulting in permanent symptoms or specified treatment

  5. Benign spinal cord tumour – resulting in permanent symptoms or specified treatment

  6. Blindness – permanent and irreversible

  7. Cancer – excluding less advanced cases

  8. Cardiac arrest – with insertion of a defibrillator

  9. Cardiomyopathy – of specified severity

  10. Coma – with associated permanent symptoms

  11. Coronary artery by-pass grafts – (a payment is available to pay for surgery after being placed on an NHS waiting list)

  12. Creutzfeldt-Jakob disease (CJD) – requiring continuous assistance

  13. Deafness – permanent and irreversible Dementia including Alzheimer’s disease – resulting in permanent symptoms

  14. Encephalitis

  15. Heart attack – of specified severity

  16. Heart surgery – with thoracotomy

  17. Heart valve replacement or repair

  18. HIV– caught from a blood transfusion, by physical assault or at work*

  19. Kidney failure – requiring permanent dialysis

  20. Liver failure – end stage

  21. Loss of hand or foot – permanent physical severance

  22. Loss of independence – of specified severity

  23. Loss of speech – total permanent and irreversible

  24. Major organ transplant – from another donor

  25. Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms

  26. Multiple sclerosis – of specified severity

  27. Neuromyelitis optica (Devic’s disease) – with persisting clinical symptoms

  28. Paralysis of limb – total and irreversible

  29. Parkinson’s disease – resulting in permanent symptoms

  30. Parkinson’s plus syndromes – resulting in permanent symptoms

  31. Pneumonectomy – for disease or trauma

  32. Primary pulmonary arterial hypertension – resulting in permanent symptoms

  33. Pulmonary artery replacement – with surgery

  34. Removal of an eyeball as a result of injury or disease – permanent physical severance

  35. Severe lung disease/respiratory failure – of specified severity

  36. Spinal stroke – resulting in permanent symptoms

  37. Stroke – resulting in specified symptoms

  38. Systemic lupus erythematosus – of specified severity

  39. Terminal illness – where death is expected within 12 months

  40. Third–degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area

  41. Total permanent disability – unable before age 65 to look after yourself ever again#

  42. Traumatic brain injury – resulting in permanent symptoms

*The incident causing infection must have occurred in an eligible country – these are listed in the terms and conditions.

# For children’s critical illness benefit ‘total permanent disability’ means an irreversible level of disability which, in Zurich’s reasonable opinion, means the child would be disabled from performing any occupation whatsoever if he or she were an adult.

You need to read the terms and conditions of the policy to know the exact amount of pay out. The company also offers additional critical illness cover cash payments. If this is paid then it will not reduce the actual amount of the cover. Check with your insurer about the illnesses that falls into the additional category. Also, ask for details about any of the things that you cannot understand.

The medical conditions and operations qualifying for additional critical illness cover cash payments are below:

  1. Bladder removal

  2. Brain abscess drained via craniotomy

  3. Cerebral or spinal aneurysm – with surgery or radiotherapy

  4. Cerebral or spinal arteriovenous malformation – with surgery or radiotherapy

  5. Less advanced cancer of the Anus

  6. Less advanced cancer of the Bile Ducts

  7. Less advanced cancer of the Breast

  8. Less advanced cancer of the Cervix

  9. Less advanced cancer of the Colon and Rectum

  10. Less advanced cancer of the Gallbladder

  11. Less advanced cancer of the Larynx

  12. Less advanced cancer of the Lung and Broncus

  13. Less advanced cancer of the Oseophagus

  14. Less advanced cancer of the Oral cavity or Oropharynx

  15. Less advanced cancer of the Ovary

  16. Less advanced cancer of the Pancreas

  17. Less advanced cancer of the Prostate

  18. Less advanced cancer of the Renal Pelvis

  19. Less advanced cancer of the Stomach

  20. Less advanced cancer of the Testicle

  21. Less advanced cancer of the Urinary Bladder

  22. Less advanced cancer of the Uterus

  23. Less advanced cancer of the Vagina

  24. Less advanced cancer of the Vulva

  25. Other less advanced cancers in situ.

  26. Liver resection

  27. Non-malignant pituitary adenoma – with specified treatment

  28. Significant visual loss – permanent and irreversible

  29. Single lobectomy – the removal of a complete lobe of a lung

  30. Syringomelia or Syringobulbia – treated by surgery

  31. Skin cancer (not including melanoma) – advanced stage as specified

  32. Third–degree burns – less extensive – covering 5% of the body’s surface area or 19% of the face’s surface area

For more about life insurance cover providers in the UK, you can check our website www.freepricecompare.com or call us on 02034757476.

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