Critical Illness Definitions

Critical illness cover means insurance which pays out on meeting the policy definition of a specified critical illness.

Insurance companies may not cover all these critical illnesses but if they do, they must meet the standards set out in the Association of British Insurers guide (ABI). Some insurance companies will offer better cover than the ABI definitions as well as covering a wider range of illnesses than those laid out by the ABI. Model ABI Critical Illness Definitions include:

A disease in which the fatty layers around nerve cells in the brain and spinal cord are damaged. It affects the ability of nerve cells in the brain and spinal cord to communicate with each other which can lead to a deterioration of senses and the ability to control movement.

A rare, degenerative neurological disorder caused by cell loss in certain areas of the central nervous system. Its main symptoms include tremor and reduced movements similar to Parkinson’s disease but it has additional problems leading to a distinct diagnosis separate from Parkinson’s disease.

Surgery where the chest is cut open through the breast bone for the purpose of correcting a structural abnormality of the heart or performing a coronary artery bypass graft (CABG).

Loss of muscle function and voluntary movement of a leg or arm.

Parkinson’s disease is a progressive, degenerative disorder of the central nervous system which mainly affects movement but can also lead to behavioural problems and dementia.

An increase in blood pressure in the pulmonary (lung) artery or vein which is of unknown origin. This can lead to lung damage or heart failure

Progressive supranuclear palsy (PSP) is a rare, degenerative brain disease which involves gradual deterioration or death of cells in certain areas of the brain. Its main symptoms include tremor and reduced movements similar to Parkinson’s disease but it has additional problems leading to a distinct diagnosis separate from Parkinson’s disease.

The pulmonary artery is the artery that provides a blood supply to the lungs. This may become damaged or diseased and therefore require surgery to repair.

Rheumatoid arthritis is a disease of the immune system which causes chronic inflammation of the joints, tissues around the joints and other organs of the body.

Crohn’s disease is an inflammatory disease which can involve both the large and small intestines, but can also affect other parts of the digestive system. In more severe cases, this can lead to ulcers and narrowing of the bowel. Symptoms include abdominal pain, diarrhoea and vomiting.