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:
Aorta graft surgery – for disease and trauma
Aplastic anaemia – of specified severity
Bacterial meningitis – resulting in permanent symptoms
Benign brain tumour – resulting in permanent symptoms or specified treatment
Benign spinal cord tumour – resulting in permanent symptoms or specified treatment
Blindness – permanent and irreversible
Cancer – excluding less advanced cases
Cardiac arrest – with insertion of a defibrillator
Cardiomyopathy – of specified severity
Coma – with associated permanent symptoms
Coronary artery by-pass grafts – (a payment is available to pay for surgery after being placed on an NHS waiting list)
Creutzfeldt-Jakob disease (CJD) – requiring continuous assistance
Deafness – permanent and irreversible Dementia including Alzheimer’s disease – resulting in permanent symptoms
Encephalitis
Heart attack – of specified severity
Heart surgery – with thoracotomy
Heart valve replacement or repair
HIV– caught from a blood transfusion, by physical assault or at work*
Kidney failure – requiring permanent dialysis
Liver failure – end stage
Loss of hand or foot – permanent physical severance
Loss of independence – of specified severity
Loss of speech – total permanent and irreversible
Major organ transplant – from another donor
Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms
Multiple sclerosis – of specified severity
Neuromyelitis optica (Devic’s disease) – with persisting clinical symptoms
Paralysis of limb – total and irreversible
Parkinson’s disease – resulting in permanent symptoms
Parkinson’s plus syndromes – resulting in permanent symptoms
Pneumonectomy – for disease or trauma
Primary pulmonary arterial hypertension – resulting in permanent symptoms
Pulmonary artery replacement – with surgery
Removal of an eyeball as a result of injury or disease – permanent physical severance
Severe lung disease/respiratory failure – of specified severity
Spinal stroke – resulting in permanent symptoms
Stroke – resulting in specified symptoms
Systemic lupus erythematosus – of specified severity
Terminal illness – where death is expected within 12 months
Third–degree burns – covering 20% of the body’s surface area or 50% of the face’s surface area
Total permanent disability – unable before age 65 to look after yourself ever again#
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:
Bladder removal
Brain abscess drained via craniotomy
Cerebral or spinal aneurysm – with surgery or radiotherapy
Cerebral or spinal arteriovenous malformation – with surgery or radiotherapy
Less advanced cancer of the Anus
Less advanced cancer of the Bile Ducts
Less advanced cancer of the Breast
Less advanced cancer of the Cervix
Less advanced cancer of the Colon and Rectum
Less advanced cancer of the Gallbladder
Less advanced cancer of the Larynx
Less advanced cancer of the Lung and Broncus
Less advanced cancer of the Oseophagus
Less advanced cancer of the Oral cavity or Oropharynx
Less advanced cancer of the Ovary
Less advanced cancer of the Pancreas
Less advanced cancer of the Prostate
Less advanced cancer of the Renal Pelvis
Less advanced cancer of the Stomach
Less advanced cancer of the Testicle
Less advanced cancer of the Urinary Bladder
Less advanced cancer of the Uterus
Less advanced cancer of the Vagina
Less advanced cancer of the Vulva
Other less advanced cancers in situ.
Liver resection
Non-malignant pituitary adenoma – with specified treatment
Significant visual loss – permanent and irreversible
Single lobectomy – the removal of a complete lobe of a lung
Syringomelia or Syringobulbia – treated by surgery
Skin cancer (not including melanoma) – advanced stage as specified
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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