CIExpert on Aviva's revised Relevant Life policy

Conditions Included

Claim Triggers

Advanced Cancer

A tumour measured as III using the TNM staging classification, or chronic lymphocytic leukaemia measured a Binet Stage C, or Hodgkin's/Non-Hodgkin's lymphoma measured as Stage II using the Ann Arbor system

Aplastic Anaemia

A definite diagnosis with permanent bone marrow failure with anaemia, neutropenia and thrombocytopenia

Bacterial meningitis

Causing permanent neurological deficit with persisting clinical symptoms

Benign Brain Tumour

Causing permanent neurological deficit with persisting clinical symptoms

Benign Spinal Cord Tumour

Causing permanent neurological deficit with persisting clinical symptoms

Brain Injury due to Anoxia/Hypoxia

Causing permanent neurological deficit with persisting clinical symptoms

CJD

A definite diagnosis

Dementia

A definite diagnosis with permanent loss of ability to remember, reason, perceive, understand, express and give effect to ideas

Devic's Disease

Definite diagnosis with current impairment of motor or sensory function persisting for a continuous 6 month period.

Encephalitis

Causing permanent neurological deficit with persisting clinical symptoms

Intensive Care

10 consecutive days of tracheal intubation Resulting in permanent neurological deficit with persisting clinical symptoms

Kidney Failure

End stage liver failure requiring permanent regular dialysis

Liver Failure

End stage liver failure due to cirrhosis resulting in permanent jaundice, ascites and encephalopathy

Major Organ Transplant

Undergoing a transplant of bone marrow, haematopoietic stem cells, a complete heart, kidney, liver, lung or pancreas. Also a lobe of the lung or liver or inclusion on a UK waiting list for one of the above

Motor Neurone Disease

Definite diagnosis of amyotrophic lateral sclerosis, or primary lateral sclerosis, or progressive bulbar palsy, or progressive muscular atrophy or spinal muscular atrophy with permanent clinical impairment of motor function

Multiple Sclerosis

Definite diagnosis with current impairment of motor or sensory function persisting for a continuous 6-month period.

Parkinson's Disease

Definite diagnosis with permanent clinical impairment of motor function with associated tremor and rigidity

Parkinson's Plus Syndromes

Definite diagnosis of multiple system atrophy or progressive supranuclear palsy or Parkinsonism-dementia-ALS-complex or diffuse lewy body disease or Corticobasal degeneration which causes permanent clinical impairment of one of - motor function, eye movement disorder, postural instability or dementia

Pneumonectomy

Surgery to remove an entire lung due to disease or traumatic injury

Psychosis & Bipolar Affective Disorder

Definite diagnosis of one of - bipolar affective disorder, paranoid psychosis, schizo-affective disorder or schizophrenia. This must cause at least three of the following within one year. Being under psychiatric care, chronic symptoms lasting one year requiring continuous medical therapy or medication, in patient admission to a psychiatric ward for at least 14 consecutive nights, a court order made by the Court of Protection under the Mental Capacity Act.

Pulmonary Arteria Hypertension

Definite diagnosis of idiopathic pulmonary hypertension or chronic thrombo-embolic pulmonary hypertension

Respiratory failure

Severe lung disease with permanent impairment of lung function resulting in 15 hours per day oxygen therapy for six months, and forced expiratory volume at 1 second (FEV1) below 50% of normal and forced vital capacity (FVC) below 50% of normal

Severe Heart Condition

Failure of the heart to function as a pump evidenced by assessment as class 3 of the NYHA classification of functional capacity or an ejection fraction of 40% or less

Spinal Stroke

Death of spinal cord tissue due to inadequate blood supply causing permanent neurological deficit with persisting clinical symptoms.

Stroke

Death of brain tissue due to inadequate blood supply causing permanent neurological deficit with persisting clinical symptoms.

Systemic Lupus Erythematosus

Definite diagnosis resulting in permanent neurological deficit with persisting clinical symptoms and permanent impairment of kidney function with GFR below 30ml/min

Third Degree Burns

Covering 20% of the body or 20% of the surface area of head/face

Traumatic Brain Injury

Death of brain tissue due to traumatic injury causing permanent neurological deficit with persisting clinical symptoms.

Total & Permanent Disability

There are two claim definitions, dependent on occupational risk. Own occupation and activities of daily work. This benefit ceases at age 70.