What Conditions are Covered?

The following is a list of conditions that should be included in your Critical Illness Insurance policies, along with their definitions. Please note, however, that different providers may use different definitions in relation to Critical Illness Cover.

Cancer

Any malignant tumour characterised by the uncontrolled growth and spread of malignant cells and invasion of tissue. The term cancer includes leukemia and Hodgkin's disease.

Coronary Artery By-Pass Surgery

The undergoing of open heart surgery to correct narrowing or blockage of one or more coronary arteries with by-pass grafts but excluding balloon angioplasty, laser relief or any other procedures.

Heart Attack

The death of a portion of heart muscle, due to inadequate blood supply, that has resulted from acute myocardial infarction. Other acute coronary syndromes, including but not limited to angina, are not covered under this definition.

Kidney Failure

End stage renal failure presenting as chronic irreversible failure of both kidneys to function, as a result of which either regular renal dialysis or renal transplant is initiated.

Major Organ Transplant

The actual undergoing as a recipient of, or inclusion on an official waiting list for, a transplant of a heart, liver, lung, pancreas or bone marrow.

Multiple Sclerosis

A definite diagnosis of Multiple Sclerosis which satisfies all of the following criteria:

There must be current impairment of motor or sensory function, which must have persisted for a continuous period of at least six months.
The diagnosis must be confirmed by diagnostic techniques current at the time of the claim.