What does critical illness cover?
Summary: When you buy a life insurance policy from Beagle Street, you can add critical illness cover which pays out a lump sum if you were diagnosed with a serious condition such as cancer, heart attack, stroke or any of the conditions listed in our Policy Terms and Conditions.
What does critical illness cover?
When you buy a life insurance policy from Beagle Street, you can add critical illness cover which pays out a lump sum if you were diagnosed with a serious condition such as cancer, heart attack, stroke or any of the conditions listed in our Policy Terms and Conditions.
This money can be used to support you and your family whilst you recover, and it gives you the flexibility to spend your payout on whatever you need. For example, the payment can be used to cover medical or care costs, make adaptations to your home, or address any other expenses.
The list of conditions covered by Beagle Street’s critical illness cover are:
| Aorta graft surgery | For disease or trauma |
| Aplastic Anaemia | Requiring specified treatment |
| Benign brain tumour | Resulting in permanent symptoms or specified treatment |
| Blindness | Permanent and irreversible |
| Brain injury due to trauma, anoxia or hypoxia | Resulting in permanent symptoms |
| Cancer | Excluding less advanced cases |
| Coma | Resulting in permanent symptoms |
| Coronary artery by-pass | |
| Deafness | Permanent and irreversible |
| Dementia including Alzheimer’s disease | Of specified severity |
| Heart attack | Of specified severity |
| Heart valve repair or replacement | |
| Kidney failure | Requiring permanent dialysis |
| Loss of hand or foot | Permanent physical severance |
| Loss of speech | Permanent and irreversible |
| Major organ transplant | From another donor |
| Motor neurone disease | Resulting in permanent symptoms |
| Multiple sclerosis | |
| Paralysis of a limb | Total and irreversible |
| Parkinson’s disease | Resulting in permanent symptoms |
| Stroke | Of specified severity |
| Third degree burns | Covering 20% of the body’s surface area or affecting 20% of the area of the face or head |
These conditions also apply to child critical illness cover if you decide to add this onto your critical illness cover. See Policy Terms & Conditions.
It’s worth noting that if you claim on a full critical illness condition your cover will end and you’ll no longer be covered for critical illness cover.
For existing customers, please refer to your individual T&Cs in your policy documents which will specify the conditions you are covered for.