A Rundown of PruProtect's Serious Illness Cover Contract
Article published on 7th March 2014
Update: This product is now Vitality Life and not PruProtect.
PruProtect does not actually provide Critical Illness Cover in the same sense that other insurance providers do. The PruProtect policy is referred to as Serious Illness Cover and provides a much broader range of full and partial payments to clients. With the Serious Illness policy you are insured to receive a full policy payout if you fall ill with one of 64 conditions, or a partial payment if you are diagnosed with one of 72 illnesses.
The details included in this article are based on the PruProtect Primary Serious Illness Cover that has been offered since 2013. The severity of diagnosis or treatment required in order for you to successfully claim for a full or partial payment on this policy is not detailed here. Please note that some conditions are listed in the full and partial payments sections as the severity of diagnosis will determine the eligibility for one or the other. Please read your Key Features Document to familiarise yourself with the specific requirements for claims on this policy.
Full payments are available for the diagnosis of the following 64 illnesses:
- Accidental HIV
- Acute Lymphoblastic Leukaemia
- Acute Myeloid Leukaemia
- Advanced Aplastic Anaemia
- Advanced Cancer
- Advanced Chronic Lymphocytic Leukaemia
- Advanced Hodgkin's disease
- Advanced Non-Hodgkin's Lymphoma
- Alzheimer's disease
- Any neurological disease causing the permanent and irreversible inability to perform 4 out of 6 Functional Activity Tests
- Any other cardiac condition resulting in a permanent ejection fraction of 39% or less whilst on optimal therapy
- Benign brain tumour
- Blindness
- Bone marrow transplant as a recipient
- Cardiomyopathy
- Cauda Equina
- Chronic Myeloid Leukaemia
- Coma
- Congestive heart failure
- Cor pulmonale
- Creutzfeldt-Jakob disease
- Deafness
- Dementia
- Encephalitis
- Fibrotic lung disease
- Fulminant hepatic necrosis
- Giant Cell Arteritis
- Heart attack
- Heart or heart and lung transplant
- Hypertrophic Cardiomyopathy
- Inclusion on an official UK waiting list for Major Organ Transplant
- Kidney failure
- Loss of hands or feet
- Loss of manual dexterity
- Loss of muscle power
- Loss of speech
- Major Organ Transplant
- Motor neurone disease
- Multiple Sclerosis
- Muscular Dystrophy
- Paralysis of limbs
- Parkinson's disease
- Permanent faecal incontinence
- Permanent inability to perform at least 4 out of 6 Functional Activity Tests
- Persistent confusional state
- Persistent vegetative state
- Polyarteritis Nodosa
- Polymyositis
- Primary pulmonary hypertension
- Progressive Supra-nuclear palsy
- Rheumatoid Arthritis
- Severe cirrhosis of the liver
- Severe peripheral vascular disease
- Severe vascular disease
- Severe visual impairment
- Stroke
- Systemic Lupus Erythematosis
- Systemic Sclerosis (Scleroderma)
- Terminal Illness (if combined with Life Cover)
- Third degree burns
- Total and permanent disability
- Total lack of social interaction
- Traumatic head injury
- Wegener's Granulomatosis
Partial payments on this policy can range from 25, 50 and 75 percent of the policy sum assured. The PruProtect Primary Serious Illness Cover provides partial payments for the following 72 conditions:
- Acute renal dialysis
- Advanced cancer
- Advanced Non-Hodgkin's Lymphoma
- Alzheimer's disease
- Any neurological disease causing the permanent and irreversible inability to perform 2 out of 6 Functional Activity Tests
- Any neurological disease causing the permanent and irreversible inability to perform 3 out of 6 Functional Activity Tests
- Any other cardiac condition resulting in a permanent ejection fraction of between 40% and 45% whilst on optimal therapy
- Aorta graft surgery
- Benign brain tumour
- Bilateral hemianopia
- By-pass graft surgery
- Cancer – excluding less advanced cases
- Carcinoma in-situ of the breast
- Carcinoma in-situ of the oesophagus
- Cardiomyopathy
- Central blindness
- Chronic obstructive pulmonary disease
- Chronic pancreatitis
- Coma
- Coronary artery by-pass grafts
- Craniotomy
- Creutzfeldt-Jakob disease
- Cystectomy
- Dementia
- Drainage of brain abscess by craniotomy
- Encephalitis
- Endovascular repair of an aortic aneurysm
- Fibrotic lung disease
- Functional surgery for movement disorders
- Giant Cell Arteritis
- Guillain-Barre Syndrome
- Heart attack
- Heart valve replacement or repair
- Home oxygen therapy
- Hypertrophic Cardiomyopathy
- Loss of a single hand or foot
- Loss of a single limb
- Loss of use of a whole hand
- Low-grade prostate cancer
- Marrow Aplasia
- Motor neurone disease
- Multiple Myeloma
- Multiple Sclerosis
- Muscular Dystrophy
- Myelodysplasia
- Nephrectomy
- Parkinson's disease
- Permanent inability to perform at least 2 out of 6 Functional Activity Tests
- Polyarteritis Nodosa
- Polymyositis
- Progressive Supra-nuclear palsy
- Removal of one lobe of the lungs
- Removal of two or more lobes of the lungs
- Renal impairment
- Rheumatoid Arthritis
- Sclerosing cholangitis
- Severe Inflammatory Crohn's Disease
- Severe Gastrointestinal Disease
- Shunt insertion for hydrocephalus
- Significant hearing loss in both ears
- Significant visual impairment
- Spinal Tumour
- Stroke
- Surgery for drug resistant epilepsy
- Surgical re-attachment of an amputated limb
- Surgical repair of a structural lesion of the heart
- Systemic Lupus Erythematosis
- Systemic Sclerosis (Scleroderma)
- Third degree burns
- Total colectomy
- Traumatic head injury
- Wegener's Granulomatosis
Should you wish to discuss the PruProtect Primary Serious Illness Cover policy or the more advanced Comprehensive Serious Illness Cover please speak with one of our advisors on 01723 516 600. The PruProtect Comprehensive Serious Illness Cover provides a broader range of partial payments and allows claims related to the endocrine and metabolic diseases.
The PruProtect policy comes with the option to include childrens cover for your dependents for an additional fee.
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