Critical Illness+

• Critical Illness+ covers 33 critical illness conditions. If your client is diagnosed with one of these and survives for at least 10 days, we’ll pay the full cover amount. We'll pay when the diagnosis is made, when the condition has reached a specified severity or when your client has named treatments or surgeries. 
• Additional critical illness: Your client is also covered for less advanced cancer of the breast and less advanced cancer of the prostate. The amount we pay on these will be lower than the cover amount.
• Children’s critical illness benefit: Your client’s children are covered from 30 days old to age 18 (or 21 if in full-time education). This includes children’s hospital benefit and children’s death benefit
• Life change benefit:  Lets your client increase their cover amount (limits apply) if their circumstances change. The increase will be on a new policy and their premiums will go up.
• Separation benefit: can be used to split a joint policy into two single policies.

• Upgraded critical illness benefit: Covers your client for a further 15 critical illness conditions.

It also replaces the additional critical illness cover offered on all policies - your client is instead covered for 24 further additional critical illness conditions.

It covers hospital benefit – if your client spends seven consecutive nights in hospital, we’ll pay £100 a night from the eighth night onwards for up to 30 nights.

• Upgraded children’s benefit: Covers 11 further children’s critical illness conditions and 12 conditions covered under child extra care cover. It also includes advanced illness cover from birth to age 22, and children’s death benefit, covering from 24 weeks of pregnancy.
• Total permanent disability: Pays out the full cover if your client is unable to perform their job or can't complete three of the listed activities of daily work.
• Waiver of premium: We’ll pay your client’s premiums for them if they can’t work because they’re ill or injured.
• Renewal option: Your client can renew their policy at the end of the policy term with no extra health or lifestyle questions. Only available on guaranteed premiums and level cover.

• Global treatment:  Could give your clients and their eligiible children access to certain overseas medical treatments. 
• Extra care cover: Provides extra support for named conditions before the age of 55. It could also pay out if your client can't complete three of the listed activities of daily living, either when they claim or for up to 12 months afterwards.
• Fracture cover:  Pays a lump sum in the event of a fractured bone.