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Trauma & Critical illness - Living Assurance Essential

What does Living Assurance Essential cover?
As shown below, Living Assurance Essential covers
12 specified critical conditions for the full sum assured; while the others are covered for partial payment.

For the full sum assured:
Chronic renal failure
Heart attack#
Major transplant surgery
Stroke#
Cancer
   • Cancer#
   • Carcinoma-in-situ surgery#
   • Prostatic cancer surgery#
Major cardiovascular disease
   • Coronary artery bypass surgery#
Paralysis
   • Paraplegia
   • Quadriplegia
   • Diplegia
   • Hemiplegia

For a partial payment:
Alzheimer’s disease and dementia
Angioplasty#
Aplastic anaemia
Chronic liver failure#
Chronic lung disease#
Creutzfeldt-Jakob disease
HIV
Major burns
Cancer
   • Carcinoma-in-situ#

Loss of functionality
   • Loss of independent existence
   • Permanent blindness#
   • Permanent loss of speech
   • Permanent loss of hearing
   • Permanent loss of limbs

Major cardiovascular disease
   • Aortic surgery#
   • Cardiomyopathy
   • Heart valve surgery#
   • Out-of-hospital cardiac arrest
   • Pulmonary hypertension

Major neurological disease (other than stroke)
   • Benign brain tumour
   • Coma
   • Encephalitis
   • Idiopathic Parkinson’s disease
   • Intensive care benefit
   • Major head trauma
   • Meningitis
   • Motor neurone disease
   • Multiple sclerosis#
   • Muscular dystrophy
   • Peripheral neuropathy

Note: Please refer to the policy document for the definition of these conditions. You can make only one claim for each condition. For a partial payment, the Living Assurance sum assured will be reduced by the amount of the benefit paid.
# For these conditions, a benefit is not payable if they are suffered within the first three months of cover.

WomensCare
WomensCare is another exclusive insurance product supplied by Sovereign. It provides specialised cover for women – not only for female-specific conditions, but also for cancer and congenital disorders in newborn children.

*Sovereign’s standard terms and conditions apply.

Disclaimer: The availability of any insurance cover is subject to your application being approved. For full details, refer to the policy document which is available on request from Sovereign. Applications are subject to individual consideration. Special conditions, premiums, maximums and exclusions may apply.

It is a strange anomaly that people will insure their home, their car and yet neglect to insure their lives – surely the most important of all to their families, and more subject to loss” - UNKNOWN

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