If you want to know what illnesses your plan covers you for, you’ll need to know when you took out your plan and which product you bought. If you don’t know, call our Customer Care Team on 0845 6094 500. Or give your adviser a call – they should still have a copy of the details we sent you.

Below is a list of the illnesses we cover under our Personal Protection Menu plans. This list applies to plans taken out after May 2011. Just click on the illness for a full definition.

• Alzheimer’s disease – resulting in permanent symptoms
• Aorta graft surgery – for disease or traumatic injury
• Aplastic anaemia – requiring regular blood transfusions
• Bacterial meningitis – resulting in permanent symptoms
• Benign brain tumour – resulting in permanent symptoms
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases
• Cardiomyopathy – of specified severity
• Chronic lung disease – of specified severity
• Coma – resulting in permanent symptoms
• Coronary artery bypass grafts
• Creutzfeldt-Jakob disease (CJD) – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Encephalitis - resulting in permanent symptoms
• Heart attack – of specified severity
• Heart valve replacement or repair
• HIV infection – caught from a blood transfusion, a physical assault or at work
• Intensive care - requiring mechanical ventilation for 10 consecutive days
• Kidney failure – requiring dialysis
• Liver failure – end stage
• Loss of hands or feet – permanent physical severance
• Loss of independent existence – resulting in permanent symptoms
• Loss of speech – permanent and irreversible
• Major organ transplant
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – with persisting symptoms
• Multiple system atrophy - resulting in permanent symptoms
• Open heart surgery – with surgery to divide the breastbone
• Paralysis of limbs – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Pneumonectomy - removal of a complete lung
• Pre-senile dementia – resulting in permanent symptoms
• Primary pulmonary hypertension – of specified severity
• Progressive supranuclear palsy – resulting in permanent symptoms
• Pulmonary artery graft surgery - with surgery to divide the breastbone
• Stroke – resulting in permanent symptoms
• Systemic lupus erythematosus – with severe complications
• Terminal illness*
• Third degree burns – covering 20% of the body’s surface area or 50% loss of surface area of the face
• Traumatic head injury – resulting in permanent symptoms

We also cover Total Permanent Disability.

*Life or Critical Illness Cover only.

Cover for 2 early forms of cancer

If you bought Critical Illness Cover or Life or Critical Illness Cover from May 2011 onwards you will also be covered for these 2 additional conditions:

• Ductal carcinoma in situ;
• Low grade prostate cancer.

If you're diagnosed with either of these conditions, we'll pay out 20% of the amount of cover, up to a maximum of £15,000. And we'll also pay out the full amount of cover if you're diagnosed with one of our other critical illnesses listed above.