Alzheimer’s disease

Aorta Graft Surgery

Aplastic Anaemia

Bacterial Meningitis

Benign Brain Tumour



Cardiac Arrest



Coronary Artery By-Pass Grafts

Creutzfeldt - Jakob Disease (CJD)




Heart Attack

Heart Valve Replacement or Repair

HIV Infection

Kidney Failure

Liver Failure

Loos of Hand or Foot

Loss of Speech

Major Organ Transplant

Motor Neurone Disease

Multiple Sclerosis

Multiple System Atrophy

Open Heart Surgery

Paralysis of a Limb

Parkinson’s Disease

Primary Pulmonary Hypertension

Progressive Supranuclear Palsy

Removal of an Eyeball

Respiratory Failure


Systemic Lupus Erythematosus

Third Degree Burns

Total and Permanent Disability

Traumatic Head Injury

Terminal illness Cover


Some can include….

Ductal Carcinoma in Situ of the Breast

Low Grade Prostate Cancer

Accident Hospitalisation Benefit

Children’s Critical Illness Cover

All scary stuff! But something we should think about. After all, why would we insure our belongings but not ourselves?

These definitions have more expandable details so I can email the full document explaining all these illnesses in more detail. This list is just one example as all insurers are different so this is something I can look into on an individual basis.