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Critical Illness

Critical illness insurance benefits may be payable if a member, member’s partner or their child suffers from an insured illness and survives for more than 30 days from the date of diagnosis of the illness.

Insured illnesses can include:

  • Alzheimer’s disease – resulting in permanent symptoms
  • Aorta graft surgery – for disease
  • Aplastic anaemia
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign brain tumour – resulting in permanent symptoms
  • Cancer – certain exclusions apply
  • Cardiomyopathy
  • Coma – resulting in permanent symptoms
  • Coronary artery bypass surgery – with surgery to divide the breastbone
  • Creutzfeld-Jacob disease
  • Deafness – permanent and irreversible
  • Encephalitis – resulting in permanent neurological deficit with persisting clinical symptoms
  • Heart attack – of specified severity
  • Heart valve replacement or repair – with surgery to divide the breastbone
  • HIV infection – contracted in the EC from a blood transfusion, physical assault or at work in an eligible occupation
  • Kidney failure – requiring dialysis
  • Liver failure
  • Loss of sight – total and irrecoverable
  • Loss of speech – total, permanent and irreversible
  • Major organ transplant
  • Motor neurone disease – resulting in permanent symptoms
  • Multiple sclerosis – with symptoms persisting for at least six months
  • Paralysis of limbs – total and irreversible
  • Parkinson’s disease – resulting in permanent symptoms
  • Progressive Supranuclear Palsy – resulting in permanent symptoms
  • Stroke – resulting in permanent symptoms
  • Terminal illness
  • Third degree burns – covering at least 20% of the body surface area

A pre-existing conditions exclusion applies. Other policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Claims must be submitted within 90 days of the date of diagnosis.

Critical Illness

Contact Information

If you're interested in providing a group insurance scheme to your members please contact Rob Constable or Tracy Allen to discuss your requirements.

Tel: 01403 327 719


All rights reserved by George Burrows, 2010.
George Burrows is a trading name of Arthur J. Gallagher Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909