Critical Illness Policy FAQ

What is Critical Illness insurance?

It is an insurance policy that will pay out a lump sum if you are diagnosed with one of the critical illnesses we define in our policy during the term of the policy and survive at least 30 days. The illnesses that are covered are listed below. Exclusions can apply.

This type of policy is for your personal protection and peace of mind, to enable you to look after yourself and your family should you become seriously ill.

Am I eligible?

You must be aged between 18 and 65 years old to take out a policy.

What policy term will I need?

You can decide how long you want this cover for. It can be any whole number of years between a minimum of 5 years and a maximum of 35 years, providing that the policy ends before your 70th birthday.

If you are unsure how long you think you should have the policy for, you can speak to one of our Financial Consultants who can advise you.

How much cover will I need?

You can choose the amount of cover that you want. It may be enough to cover potential home modifications needed such as wheelchair ramps, or to pay off outstanding debts.

What if I don't know how much cover and term of policy that I require?

If you are unsure how much cover you will need, or the appropriate length of policy, NFU Mutual Financial Consultants and Customer Telephone Advisers can recommend appropriate policy details dependent on your current circumstances.

Your cover should always be reviewed as future inflation could make the lump sum worth less than it would be today.

What happens if a claim isn't made?

At the end of the policy term, if a claim has not been made, the policy ends and is no longer valid.

If a claim is made, what then happens to the policy?

The policy will only pay out once. Then the policy will end.

How do I pay for this policy?

You pay a monthly or annual premium throughout the term of your policy. We guarantee that your level of premium will not increase.

What illnesses are covered?

The conditions that NFU Mutual's Critical Illness Insurance covers are:

	Alzheimer's disease before age 65 - resulting in permanent symptoms
	Aorta graft surgery - for disease
	Benign brain tumour - resulting in permanent symptoms
	Blindness – permanent and irreversible
	Cancer – excluding less advanced cases
	Coma - resulting in permanent symptoms
	Coronary artery by-pass grafts - with surgery to divide the breastbone
	Deafness - permanent and irreversible
	Heart Attack – of specified severity
	Heart valve replacement or repair - with surgery to divide the breastbone
	HIV infection - caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation*
	Kidney Failure – requiring dialysis
	Loss of hands or feet – permanent physical severance
	Loss of speech - permanent and irreversible
	Major Organ Transplant
	Motor neurone disease - resulting in permanent symptoms
	Multiple Sclerosis – with persisting symptoms
	Paralysis of limbs – total and irreversible
	Parkinson's disease - resulting in permanent symptoms
	Stroke – resulting in permanent symptoms
	Terminal illness
	Third degree burns - covering 20% of the body's surface area
	Total Permanent Loss of Independent Existence
	Traumatic head injury - resulting in permanent symptoms

* The eligible occupations for HIV caught at work are:
	The emergency services - police, fire ambulance
	The medical profession - including administrators, cleaners, dentists, doctors, nurses and porters
	The armed forces

Correct as at 2nd June 2008 for New Critical Illness Policies Only. Exclusions can apply. Definitions of these illnesses can be found in the Key Features Document for this product, which can be requested, from our Customer Services Team.