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Critical Illness

 

Critical Illness Insurance... so you can focus on recovering

The Critical Illness Benefit option pays you a lump sum if you suffer any of the critical illness conditions listed in the Product Disclosure Statement including cancer, heart attack and stroke – providing a  lump sum payment to adjust your lifestyle, replace lost income, meet mortgage repayments and ensure the best chance at a healthy recovery.

TOWER's Accelerated Critical Illness Benefit option provides a lump sum payment if the life insured is diagnosed with any of the listed conditions:

·         Heart conditions:

o    Angioplasty *#

o    Angioplasty – Triple Vessel*

o    Cardiomyopathy

o    Coronary Artery Bypass Surgery*

o    Heart Valve Surgery*

o    Major Abdominal Aortic Surgery*

o    Myocardial Infarction (Heart Attack)*

o    Primary Pulmonary Hypertention

·         Neurological conditions

o    Alzheimer’s Disease

o    Cerebrovascular Accident (Stroke)*

o    Coma

o    Dementia

o    Encephalitis and Meningitis

o    Major Head Trauma

o    Motor Neuron Disease

o    Multiple Sclerosis

o    Muscular Dystrophy

o    Paralysis

o    Parkinson’s Disease

o    Meningococcal Disease

·         Blood disorders

o    Aplastic Anaemia

o    Occupationally and Medically Acquired HIV

·         Cancer

o    Benign Brain Tumour

o    Cancer*

o    Carcinoma In Situ*+

o    Chronic Lymphocytic Leukaemia*+

o    Melanoma*+

·         Organ disorders

o    Chronic Liver Failure

o    Chronic Lung Failure

o    Chronic Renal Failure (Kidney Failure)

o    Major Organ Transplant

o    Severe burns

o    Pneumonectomy

·         Permanent conditions

o    Loss of independent existence

o    Loss of limbs

o    Loss of speech

o    Total blindness

o    Total deafness

* These conditions are not covered until 90 days after the commencement of the policy and are not covered under the Accelerated Protection interim cover – for more information on interim cover speak to a TIS staff member.

+ These conditions have a maximum payment of $25,000.

#This condition has a maximum payment of $50,000.