Get life insurance with critical illness cover.

The below list (in alphabetical order) references a few examples of critical illness conditions and is only intended as a high-level overview. Please refer to the detailed critical illness condition document for more information.

Cancer

Cancer typically refers to a malignant tumour characterised by the uncontrolled growth of malignant cells and invasion of normal tissue. This includes leukaemia, lymphoma and sarcoma.

Dementia

Dementia describes permanently impaired cognitive function arising from an irreversible organic degenerative brain
disorder.

Heart Attack

A heart attack refers to the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area as a consequence of coronary artery disease.

Motor Neuron Disease

A diagnosis of amyotrophic lateral sclerosis (Lou Gehrig’s disease), spinal muscular atrophy, progressive bulbar palsy or primary lateral sclerosis. There must be progressive muscle dysfunction and the diagnosis must be based on your medical history along with Electromyogram (EMG) studies and biochemical testing as indicated clinically.

Multiple Sclerosis

A diagnosis of Multiple Sclerosis (MS) must be made which satisfies clinically accepted criteria. There must be a history of documented neurological dysfunction. The diagnosis must also be confirmed with objective neurological investigations, such as lumbar puncture, visual evoked responses, auditory evoked responses and/or magnetic resonance imaging. The MS must result in a permanent impairment which must be present for at least six months and is deemed to be permanent.

Stroke

A stroke refers to the death of brain tissue due to inadequate blood supply or haemorrhage within the skull
resulting in neurological deficit lasting more than 24 hours, confirmed by neuro-imaging investigation and appropriate clinical findings.

The following conditions are not covered: all cancers in situ and all pre-malignant conditions; all tumours of the prostate unless classified with a Gleason score greater than 6 or having progressed to at least clinical classification T2N0M0; all skin cancers, other than malignant melanoma classified as having caused invasion beyond the epidermis (outer layer of skin). Please refer to the life insurance policy wording for a detailed list of conditions covered and not covered. 

At OUTsurance, you can choose between either accelerated critical illness or free-standing critical illness. 

Accelerated critical illness cover

If you have accelerated cover in place and submit a claim, both the critical illness sum insured and the death sum insured will be reduced by the amount that is paid out on this claim. Once we've paid 100% of the critical illness benefit, your cover will end. 

Free-standing critical Illness cover

If you have free-standing cover in place and then submit a critical illness claim, this claim will not impact the death sum insured.

Advanced Activities of Daily Living (AADLs): this is a list of general daily activities which measure your inability to perform certain daily activities due to the condition you are claiming for. The AADLs are driving a car: being able to drive, depth and distance perception, awareness of road safety; shopping: lifting and carrying groceries; walking or walking with assistance (e.g. with a walking aid); food preparation; housework and moving furniture; sport, both moderate and vigorous; medical care: preparing and taking correct medications; money management; communication: using a phone or writing.

Our critical illness comprehensive benefit will provide cover you if are diagnosed with one of our listed 40 critical illnesses. Please refer to our critical illness cover table for a complete list of medical conditions covered, as well as the relevant value that will be paid out. 

The death sum insured is the amount that will be paid out in the event of the insured's death whereas the critical illness sum insured will pay out a specified percentage of the sum insured based on a variety of different factors. Please refer to the critical illness table for specific illness definitions and percentage payout amounts.  

There is no cover for any condition or event arising directly or indirectly from any of the following:

• if you commit suicide within the first 24 months from the start date of your cover, or the date on which you added any additional products or benefits to your cover, or the date you increased the sum OUTsured. The 24 month exclusion in this instance will only apply to the amount by which you increased your cover.
• intentional self-inflicted injury or illness
• driving while the concentration of alcohol in your blood exceeds the legal limit
• intentional intake of drugs, narcotics or medication unless prescribed by a registered medical practitioner and used as prescribed
• if you refuse any treatment (including surgery) recommended by a registered medical practitioner or by our Chief Medical Officer (CMO)
• if you (or any person acting on your instruction) are involved in any criminal activity
• active participation in war, armed international conflict, rebellion, civil commotion , sabotage, any act of terrorism whether acting alone or under instruction or any activity associated with the forgoing or the defence, investigation or containment thereof by any security force, unless this is a required part of your occupation noted on your schedule 
• nuclear reaction or nuclear radiation
• You are not covered if a critical illness is a result of excessive alcohol consumption or use of drugs other than as prescribed by a medical practitioner.

Please refer to your policy wording and schedule for more details of possible exclusions, events, or conditions not covered. 

No. LifeReturns® does not form part of the OUTsurance life insurance offering.