How does a Life Insurance policy with critical illness work?

Basically you choose how much cover you want and for how long (subject to min/max in our terms and conditions).

Life with critical Illness cover pays out a lump sum if you either die or are diagnosed with a critical illness that meets the policy definition. Direct Line only cover the critical illnesses defined in their policy and no others.

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What critical illnesses does the policy cover?

The complete list of critical illnesses Direct Line cover are shown below:

Alzheimer’s disease - resulting in permanent symptoms; Aorta graft surgery - for disease; Balloon valvuloplasty; Benign brain tumour - resulting in permanent symptoms; Blindness - permanent and irreversible; Cancer - excluding less advanced cases; Coma - resulting in permanent symptoms; Coronary Angioplasty - to 2 or more coronary arteries; Coronary artery by-pass grafts - with surgery to divide the breastbone; Deafness - permanent and irreversible; Heart attack - of specified severity; Heart Surgery - with surgery to divide the breastbone; Heat valve replacement/repair - with surgery to divide the breastbone; HIV Infection - caught from a blood transfusion in the European Union, Isle of Man or Channel Islands, or as result of 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; Pulmonary artery surgery; Stroke - resulting in permanent symptoms; Third degree burns - covering 20% of the body's surface area; Total permanent disability; Traumatic head injury - resulting in permanent symptoms.

Please remember that the heading of each critical illness is only a guide to what is covered. The full definitions of the illness covered and the circumstances in which you can claim are given in the policy conditions. These typically use medical terms to describe the illnesses but in some cases the cover may be limited. For example:
Some types of cancer are not covered
To make a claim for some illnesses, you need to have a permanent symptom.
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