The complete list of Critical Illnesses we cover is set out below. These headings are only a guide to what is covered. The full definitions of the illnesses covered and the circumstances in which you can claim are given in the Plan Terms and 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 permanent symptoms.

Customers can view and/or download the full definitions of the illnesses covered and the circumstances in which they can claim at:
www.sfpl.co.uk/ci-definitions.

• Alzheimer’s disease – resulting in permanent symptoms
• Aorta graft surgery – for disease*
• Aplastic Anaemia – permanent and irreversible*
• Bacterial meningitis – resulting in permanent symptoms*
• Benign brain tumour – resulting in permanent symptoms*
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases*
• Cardiomyopathy - of specified severity*
• Coma – resulting in permanent symptoms
• Coronary artery by-pass grafts – with surgery to divide the breastbone*
• Creutzfeldt Jacob disease(CJD) - resulting in permanent symtems*
• Deafness – permanent and irreversible
• Dementia - resulting in permanent symtoms*
• Encephalitis - resulting in permanent symtoms*
• End stage liver failure - of advanced stage*
• 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 (as defined below)
• Kidney failure – requiring dialysis*
• Loss of hands or feet – permanent physical severance
• Loss of independent existence – after age 60
• 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 before age 65 – resulting in permanent symptoms
• Primary pulmonary hypertension - of specified severity*
• Progressive supranuclear palsy - resulting in permanent symtoms*
• Respiratory failure - of advanced stage*
• Stroke – resulting in permanent symptoms*
• Systemic lupus erythematosus - with severe complications*
• Terminal illness*
• Third degree burns – covering 20% of the body’s surface area
• Traumatic head injury – resulting in permanent symptoms*
• Total Permanent Disability – before age 60

(*)Denotes the condition is covered for children.

The eligible occupations for HIV caught at work are:

Ambulance Workers; Chiropodists; Dental Nurses; Dental Surgeons; District Nurses; Fire Brigade Firefighters; General Practitioners; Hospital Caterers; Hospital Cleaners; Hospital Doctors, Surgeons and Consultants; Hospital Laboratory Technicians; Hospital Laundry Workers; Hospital Nurses; Hospital Porters; Midwives; Nurses employed by General Practitioners; Occupational Therapists; Paramedics; Physiotherapists; Podiatrists; Policemen and Policewomen; Prison Officers; Radiologists; Refuse Collectors; Social Workers.