Are you covered?

The illnesses covered include the following but the list may vary slightly depending on the insurance company.

• Alzheimer’s disease
• Angioplasty
• Aorta graft surgery
• Aplastic anaemia
• Bacterial meningitis
• Benign brain tumour
• Blindness
• Cancer
• Cardiomyopathy
• Coma
• Coronary artery bypass surgery
• Creutzfeldt-Jacob disease
• Deafness
• Dementia
• Heart attack
• Heart valve replacement
• Heart valve repair
• HIV/AIDS*
• Kidney failure
• Liver failure
• Loss of limbs
• Loss of speech
• Major organ transplant
• Motor neurone disease
• Multiple sclerosis
• Paralysis/paraplegia
• Parkinson’s disease
• Stroke
• Progressive supra nuclear palsy
• Terminal illness
• Third-degree burns

*HIV/AIDS is confined to the result of a physical assault, from a blood transfusion or restricted to applicants in named occupations.

Exclusions

The insurance company may place exclusions on the policy as a result of underwriting. The following exclusions apply on most policies where the illness or disability was caused directly or indirectly by:

• Drug abuse, alcohol or solvent abuse or the taking of drugs except under the direction of a medical practitioner.
• Failure to follow medical advice or unreasonable failure to take or seek medical advice.
• War and civil commotion including invasion, hostilities, civil war, rebellion, revolution or taking part in a riot or civil commotion.