What’s Covered

The complete list of conditions 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 our technical guide, available on request from a Clydesdale Bank branch or by phone. 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.

Illnesses covered

• Alzheimer's Disease – resulting in permanent symptoms
• Aorta Graft Surgery – requiring surgical replacement
• Aplastic Anaemia – with permanent bone marrow failure
• 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-Jakob Disease (CJD) – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Dementia – resulting in permanent symptoms
• Encephalitis – resulting in permanent symptoms
• Heart Attack – of specified severity
• Heart Valve Replacement or Repair – with surgery to divide the breastbone
• HIV infection – caught from a blood transfusion, physical assault or accident at work
• Kidney failure – requiring dialysis
• Liver failure – of advanced stage
• 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
• Primary Pulmonary Hypertension – of specified severity
• Progressive Supranuclear Palsy – resulting in permanent symptoms
• 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
• Total and Permanent Disability
• Traumatic head injury – resulting in permanent symptoms.

Cover for children

A child becoming critically ill may be unthinkable, but would you be able to cope financially if you or your partner had to give up work to look after your child? Children's Critical Illness Cover aims to ease the financial burden at this difficult time by providing cover for up to £15,000 or half your chosen sum assured (whichever is lowest) at no extra cost.