Zurich’s Critical Illness Cover: Conditions Included

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.

Kevin Patterson