Hiv And Aids | Which Conditions Do Critical Illness Policies Cover?

According to insurance industry guidance, in order for an insurance product to qualify as critical illness insurance it must cover you for a minimum of the following three conditions – severe heart attacks, strokes that lead to chronic health issues and advanced cases of cancer.

The basic standard critical illness insurance will often cover heart bypass surgery and major organ transplant operations, kidney failure and the diagnosis of multiple sclerosis. However, cover will vary from provider to provider, with some policies being more comprehensive than others.

If you are willing to pay more for your critical illness insurance then you can opt for a wider reaching policy that will cover a greater range of illnesses. You can also get cover for loss of limbs, paralysis and other disabilities that lead you to have to give up work, as well as loss of sight and deafness.

Some insurers specify that a condition must reach a certain level of severity before any claims can be made on the policy. It is up to each insurer to decide exactly which conditions to cover, so for these reasons it is essential that before choosing a policy you read through the plan properly so that you know exactly what kind of cover you will be entitled to.

Some insurers impose age restrictions on claims relating to certain illnesses. For conditions that typically effect older policyholders, such as Alzheimers, you may find that some insurers are not willing to cover you if you are diagnosed with such an illness after you reach a certain age.

There are some conditions that are exempt from cover from most, if not all, policies. These include any conditions that arise through drug use and alcohol abuse, self-inflicted injuries and dangerous sports.

Any injuries or critical conditions that result from your participation in fights or riots or civil disturbance will not be covered, and any health problems caused by flying will not usually be covered, unless it is as a result of a normal passenger flight.

Generally speaking, HIV and AIDS related conditions are not covered, unless you caught the virus from a blood transfusion, in a physical assault, or while working for the armed forces, the emergency services, or in the medical profession.

By: Renato Loehrer

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Renato Loehrer has critical illness cover with Legal