What critical illnesses are covered?
A list of conditions included under the plan is shown below:
  • Alzheimer's Disease (before age 60)
  • Aorta graft surgery
  • Benign brain tumour
  • Blindness
  • Cancer
  • Coma
  • Coronary artery by-pass surgery
  • Creutzfeldt-Jacob-Disease (CJD)
  • Deafness
  • Heart attack
  • Heart valve replacement or repair
  • HIV resulting from a physical assault
  • HIV from blood transfusion
  • HIV from occupational accident
  • Kidney failure
  • Loss of independent existence (after age 60)
  • Loss of limbs
  • Loss of speech
  • Major organ transplant
  • Motor neuron disease
  • Multiple Sclerosis
  • Paralysis
  • Parkinson's Disease (before age 60)
  • Pre-senile dementia (before age 60)
  • Stroke
  • Third-degree burns
  • Total Permanent Disablement
Please remember that the heading of each critical illness is only a guide to what is covered. For example, some types of cancer are not covered. Further details of how a claim will be considered, including the definitions used and the evidence required are contained in Norwich Union’s Guide to Critical Illness Cover booklet. Please ask your financial adviser for a copy.

We may also pay out if you become totally and permanently disabled before age 60 because of sickness or accident. The definition of disablement we use will depend on your occupation. You can find full descriptions of our definitions in our Guide to Critical Illness Cover booklet. Please ask your financial adviser for a copy.

Children's cover
All of your natural and legally adopted children, stepchildren and any future children are also covered for some of the conditions listed above.

Child cover applies to children between one and 18 years old, as long as the plan is in force. The maximum pay out for a child is £10,000 or 50% of the life insurance amount, whichever is lower. Only one claim for each child will be paid. Claims for children do not affect your cover.

In addition to the illnesses listed, your child will be covered for
  • bacterial meningitis
The following illnesses are not covered under children’s cover:
  • Certain varieties of Alzheimer’s Disease
  • HIV from an occupational accident
  • Parkinson’s Disease
  • Pre-senile dementia
  • Loss of independent existence
  • Total permanent disablement
Important information
Northern Bank can provide you with advice on Life and Critical Illness Insurance which is provided by Norwich Union Life Services Limited. Northern Bank is registered in Northern Ireland, No. R568; registered office: Donegall Square West, Belfast BT1 6JS. Norwich Union Life Services Limited is registered in England.

Norwich Union Life Services Limited is registered in England, No. 2403746; registered office: 2 Rougier Street, York YO90 1UU. Financial Services Authority Registration, No. 145452. Norwich Union Life Services Limited represents only the Norwich Union Marketing Group, members of which are authorised and regulated by the Financial Services Authority, for life assurance, pensions and investments.

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