CIExpert has revealed that Zurich has refreshed its critical illness plans- adding three 100% conditions twenty additional payment conditions.
The insurer has also improved many claim wordings which has added greater clarity to condition definitions.
New 100% Conditions
Parkinson Plus Syndromes
Five existing stand-alone neurological conditions have been placed within the above descriptive heading. Whilst this does not extend plan coverage it adds greater clarity and falls into line with industry practice.
Death of spinal cord tissue resulting in permanent deficit.
Definite diagnosis with 3 months continuous clinical impairment.
New Additional Payment Conditions
Zurich has followed Friends Life and AIG in adding the following seventeen in situ or early stage cancers to the four that were previously covered.
These conditions will pay the lower of £15,000 or 20% of the critical illness sum insured.
Less Advanced Cancer Of The Anus
Less Advanced Cancer Of The Bile Ducts
Less Advanced Cancer Of The Cervix
Less Advanced Cancer Of The Colon & Rectum
Less Advanced Cancer Of The Gallbladder
Less Advanced Cancer Of The Larynx
Less Advanced Cancer Of The Lung & Bronchus
Less Advanced Cancer Of The Oesophagus
Less Advanced Cancer Of The Oral Cavity Or Oropharynx
Less Advanced Cancer Of The Ovary
Less Advanced Cancer Of The Pancreas
Less Advanced Cancer Of The Renal Pelvis Or Ureter
Less Advanced Cancer Of The Stomach
Less Advanced Cancer Of The Uterus
Less Advanced Cancer Of The Vagina
Less Advanced Cancer Of The Vulva
Other in situ cancers requiring surgery to remove the tumour
Bladder Removal - complete removal of the bladder
Skin Cancer - non-melanoma skin cancer which has reached a certain advanced stage
Significant Visual Loss - vision in the better eye measured at 6/24 or less or the visual field is below 45 degrees
Important Claim Wording Alterations
Benign Brain Tumour - Cover now extended to include Partial Removal, Radiotherapy and Chemotherapy
Dementia - Now incorporates Alzheimer's disease and Pre-Senile Dementia, which were previously shown as a separate condition.
Motor Neurone Disease - Like many insurers Zurich has stipulated specific motor neurone diseases and extended cover to include Spinal Bulbar Muscular Atrophy, which is also known as Kennedy's Disease
Parkinson's Disease - No longer limited to age 65
Pulmonary Artery Surgery - No longer requires Open-Heart Surgery
"Zurich was in the relegation zone but these significant changes ensure survival in the top division.
"The additional cancer coverage will provide comfort for policyholders and will also reduce the potential for a declinature where the cancer is found to not be invasive.
"Tidying up the dementia and Parkinson-linked conditions is also sensible."