Critical Conditions vs Critical Illness
Critical Conditions vs Critical illness
In November 2024, Pinnacle introduced a new Trauma product, Critical Conditions, which replaced Critical Illness.
The differences between the 2 products are outlined below:
Critical Conditions covers 38 illnesses and conditions, and Critical Illness covers 24.
Some of the definitions for the conditions covered by Critical Illness were also updated. If you have Critical Illness the updated definitions will automatically apply to your policy.
If you need to make a claim, we’ll compare the new definitions against your original policy, and use the one that has the best outcome for you.
For detailed definitions of each condition, please refer to the Critical Conditions Definitions document.
Please note: if you have Critical Illness Cover you are not covered for the the new conditions in the table below, These are only covered by Critical Conditions. If you'd like Critical Conditions cover please apply.
| New | Updated definition | Unchanged | |
|---|---|---|---|
| accidental HIV infection | Y | ||
| advanced diabetes | Y | ||
| alzhiemer’s disease | Y (was advanced dementia) | ||
| aplastic anaemia | Y | ||
| benign tumor of the brain or spinal cord | Y | ||
| blindness | Y | ||
| cancer | Y | ||
| cardiomyopathy | Y | ||
| chronic kidney failure | Y | ||
| chronic liver disease | Y | ||
| chronic lung failure | Y | ||
| coronary artery bypass graft surgery | Y (was bypass survey) | ||
| dementia with significant cognitive impairment | Y | ||
| encephalitis | Y | ||
| heart attack | Y | ||
| heart valve survey | Y | ||
| idiopathic Parkinson's disease | Y | ||
| invasive meningococcal disease | Y | ||
| intensive care treatment | Y (was coma) | ||
| loss of hearing in both ears | Y (was deafness) | ||
| loss of limbs | Y | ||
| major burns | Y | ||
| major head trauma | Y | ||
| major organ transplant surgery | Y | ||
| motor neurone disease | Y | ||
| multiple sclerosis | Y | ||
| muscular dystrophy | Y | ||
| out of hospital cardiac arrest | Y | ||
| paralysis – total and permanent | Y | ||
| pneumonectomy | Y | ||
| pulmonary hypertension | Y | ||
| severe rheumatoid arthritis | Y | ||
| severe systemic sclerosis | Y | ||
| stroke systemic | Y | ||
| systemic lupus erythematous | Y | ||
| thoracic or abdominal aorta | Y (was aortic survey) | ||
| triple vessel angioplasty | Y (was angioplasty) | ||
| total and permanent loss of speech | Y |
| Loss of independent existence | Now covered across severe systemic sclerosis, multiple sclerosis, encephalitis and paralysis, but is not explicitly stated like in critical illness. |
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