List of 44 Specified Illnesses

Irish Life had identified 44 conditions that could change your life so much that you would need financial help. Within this they have a condition called ‘loss of independence’. They include this condition to make your total cover more wide-ranging. It will be particularly valuable as you get older.

Listed below are the 44 conditions which Irish Life cover for full payment. You will find detailed descriptions of these in the product booklets. This information is correct as of 01/01/2013.

  1. Alzheimer’s disease – resulting in permanent symptoms
  2. Aorta graft surgery – for disease or traumatic injury
  3. Aplastic anaemia – of specified severity
  4. Bacterial meningitis – resulting in permanent symptoms
  5. Benign brain tumour – resulting in permanent symptoms or requiring surgery
  6. Benign spinal cord tumour – resulting in permanent symptoms or requiring surgery
  7. Blindness – permanent and irreversible
  8. Brain injury due to anoxia or hypoxia – resulting in permanent symptoms
  9. Cancer – excluding less advanced cases
  10. Cardic arrest with insertion of a defibrillator
  11. Cardiomyopathy – resulting in a marked loss of ability to do physical activity
  12. Chronic Pancreatitis – of specified severity
  13. Coma - resulting in permanent symptoms
  14. Coronary artery by-pass grafts
  15. Creutzfeldt-Jakob disease – resulting in permanent symptoms
  16. Crohn’s disease – of specified severity
  17. Deafness – total, permanent and irreversible
  18. Dementia – resulting in permanent symptoms
  19. Encephalitis – resulting in permanent symptoms
  20. Heart attack - of specified severity
  21. Heart-valve replacement or repair
  22. Heart structural repair
  23. HIV infection – caught in the European Union, Norway, Switzerland, North America, Canada, Australia and New Zealand, from a blood transfusion, a physical assault or at work in the course of performing normal duties of employment.
  24. Intensive Care - requiring mechanical ventilation for 10 consecutive days
  25. Kidney failure – requiring ongoing dialysis
  26. Liver failure – irreversible and end stage
  27. Loss of independence – permanent and irreversible
  28. Loss of Limb – permanent physical severance
  29. Loss of speech – permanent and irreversible
  30. Major organ transplant – specified organs
  31. Motor neurone disease – resulting in permanent symptoms
  32. Multiple sclerosis or Neuromyelitis optica (Devic’s Disease)
  33. Paralysis of limb - total and irreversible
  34. Parkinson’s disease (idiopathic) – resulting in permanent symptoms
  35. Parkinson Plus Syndromes – resulting in permanent symptoms
  36. Peripheral Vascular Disease – with bypass surgery
  37. Pneumonectomy – the removal of a complete lung
  38. Pulmonary Arterial Hypertension (idiopathic) – of specified severity
  39. Pulmonary Artery Surgery – with surgery to divide the breast bone
  40. Respiratory Failure of specified severity
  41. Severe Burns/3rd Degree Burns
  42. Stroke – resulting in permanent symptoms
  43. Systemic lupus erythematosus – of specified severity
  44. Traumatic head injury – resulting in permanent symptoms

We do not cover any other conditions for full payment.

Once you claim for your full specified illness cover, your specified illness cover ends and you cannot make any further specified illness claims, including a partial payment claim.