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1 With our cover you are more likely to get a payout Serious Illness Cover pruprotect.co.uk

2 Serious Illness Cover PruProtect s Serious Illness Cover offers protection against serious illnesses as well as advanced or life threatening ones. The average number of illnesses and conditions most Critical Illness policies cover is 35. But with our Primary Serious Illness Cover you re covered for 100. And with our Comprehensive Serious Illness Cover, you ll be covered for 161. We recognise that conditions can have a big impact on your life without being critical. Our cover is designed to give you financial support that matches the impact. We ll payout 100%, 75%, 50%, 25%, 15% or 10% of your cover depending on the severity of your condition. The more severe, the larger the payment you ll receive. After we make a payment to you, the rest of your cover is still available if you need to claim again. Your cover only stops when it s all paid out or your term comes to an end. We also give you the option to top your cover back up after you ve made a claim. You can choose to reinstate it all, or just a percentage of it between 25% and 100%. 2

3 Common illnesses and conditions covered by most other Critical Illness providers Alzheimers Disease Aorta Graft Surgery Aplastic Anaemia Bacterial Meningitis Benign Brain Tumour Blindness Cancer Coma Coronary Artery Bypass Grafts Creutzfeldt-Jakob Disease Deafness Heart Attack Heart Valve Replacement or Repair HIV Infection Kidney Failure Liver Failure Loss of Hands or Feet Loss of Speech Major Organ Transplant Motor Neurone Disease Multiple Sclerosis Open Heart Surgery Paralysis of Limbs Parkinsons Disease Pre-Senile Dementia Progressive Supranuclear Palsy Severe Lung Disease Stroke Systemic Lupus Erythematosus Terminal Illness Third Degree Burns Traumatic Head Injury 3

4 Illnesses and conditions covered by our Serious Illness Cover All of the categories below have specified conditions of defined severity. 100% 75% 50% 25% 15% 10% Conditions covered by our Primary and Comprehensive Cover Cancer Advanced Aplastic Anaemia Advanced Chronic Lymphocytic Leukaemia l Advanced Hodgkin s disease l s Advanced Non-Hodgkin s Lymphoma l s Cancer l s Carcinoma in-situ of the Oesophagus - requiring surgery Low-grade Prostate cancer Marrow Aplasia Mastectomy for Carcinoma in-situ of the breast Multiple Myeloma s Myelodysplasia s Connective tissue disease Giant Cell Arteritis l s Polyarteritis Nodosa l s Polymyositis l s Rheumatoid Arthritis l s Systemic Lupus Erythematosis l s Systemic Sclerosis (Scleroderma) l s Wegener s Granulomatosis l s Ear Deafness l Significant hearing loss in both ears s Eye Blindness l Central blindness Severe visual impairment l Significant visual impairment s Gastrointestinal Chronic pancreatitis Fulminant hepatic necrosis l Permanent faecal incontinence l Sclerosing cholangitis s Severe cirrhosis of the liver l Severe inflammatory Crohn s disease s Total colectomy Heart and Artery Any other cardiac condition resulting in a reduced ejection fraction l Aorta graft surgery By-pass graft surgery to 3 or more coronary arteries Cardiomyopathy resulting in a reduced ejection fraction l Congestive heart failure l Coronary artery by-pass grafts s Endovascular repair of an aortic aneurysm Heart attack l s Heart valve replacement or repair Severe peripheral vascular disease l Severe vascular disease affecting multiple systems l Surgical repair of a structural lesion of the heart HIV Accidental HIV infection l Major organ transplant Major organ transplant l Musculoskeletal trauma Less extensive third degree burns - covering 15% of the body s surface Less extensive third degree burns - covering 10% of the body s surface s Loss of a single hand or foot s Loss of a single limb Loss of hands or feet l Loss of use of a whole hand s Surgical re-attachment of an amputated limb Third degree burns l Permanent Disability Cauda Equina l Total and Permanent Disability l s Partial Permanent Disability s Persistent confusional state l Total lack of social interaction l Respiratory Chronic obstructive pulmonary disease s Cor pulmonale l Fibrotic lung disease l s Home oxygen therapy s Primary pulmonary hypertension l Removal of one lobe of the lungs Removal of two or more lobes of the lungs s Stroke and Nervous system Alzheimer s disease l s Benign brain tumour l s Bilateral hemianopia Coma l s Craniotomy Craniotomy to treat a cerebral arteriovenous malformation Creutzfeldt-jakob disease l s Dementia l s Drainage of brain abscess by craniotomy Enchephalitis l s Functional surgery for movement disorders Guillain-Barré syndrome Loss of manual dexterity l Loss of muscle power resulting in the inability to grip l Loss of speech l Motor neurone disease l s Multiple Sclerosis l s Muscular Dystrophy l s Neurological diseases l s Paralysis of limbs l Parkinson s disease l s Persistent Vegetative State l Progressive Supra-nuclear palsy l s Shunt insertion for hydrocephalus Spinal tumour Stroke l s Surgery for drug resistant epilepsy s Traumatic head injury l s Urogenital and Kidney Acute renal dialysis Chronic renal impairment s Cystectomy s Kidney failure l Nephrectomy Partial cystectomy Severe chronic renal impairment

5 Additional conditions only covered by our Comprehensive Cover Cancer Lumpectomy for Ductal Carcinoma in-situ of the breast H Myelodysplasia w Connective tissue disease Giant Cell Arteritis H Pemphigus Vulgaris H Polyarteritis Nodosa H Polymyositis H Rheumatoid Arthritis H Systemic Lupus Erythematosis H Systemic Sclerosis (Scleroderma) H Wegener s Granulomatosis H Ear Radical Mastoid surgery H Endocrine and Metabolic diseases Acromegaly H Addison s disease H Adrenalectomy H Conn s syndrome H Cushing s syndrome H Diabetes Insipidus w Insulinoma H Pheochromocytoma H Radiotherapy to the Pituitary gland H Sheehan s syndrome w Simmond s disease H Surgical removal of the Pituitary gland H Thyrotoxic crisis w Eye Blindness in one eye w Surgical removal of one eye w Surgical repair of a detached retina H Tunnel vision w Gastrointestinal Chronic inflammatory hepatitis w Cirrhosis of the liver w Loss of use of more than one third of the tongue w Moderately severe inflammatory Crohn s disease H Partial hepatectomy w Permanent rectal fistula H Portal vein thrombosis w Surgical repair of a tracheal-oesophageal fistula H Heart and Artery Angioplasty (Coronary) or PTCA (Percutaneous Transluminal Coronary Angioplasty) H Angioplasty to correct carotid artery stenosis H Balloon valvuloplasty w Cardioversion for cardiac arrhythmia H Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation H Endovascular heart valve replacement w Femoral artery aneurysm repair w Iliac artery aneurysm repair w Infective endocarditis H Keyhole coronary artery bypass surgery H Pericardectomy w Permanent defibrillator insertion H Permanent pacemaker insertion H Surgery for cardiac arrhythmia H Surgery to correct carotid artery stenosis w Surgical repair of an atrial or ventricular septal defect H Musculoskeletal trauma Amputation of two or more fingers or thumbs H Le Fort III reconstruction w Less extensive third degree burns - covering 5% of the body s surface w Respiratory Fibrotic lung disease H Mechanical ventilatory support for near drowning H Pleurectomy w Pulmonary embolus w Surgical drainage of a lung abscess w Surgical drainage of empyema w Stroke and Nervous system Bacterial meningitis H Endovascular treatment of a cerebral arteriovenous malformation w Stereotactic brain surgery H Surgical repair of depressed skull fracture w Urogenital and Kidney Bilateral orchidectomy w Bladder fistula H Partial nephrectomy w Surgical repair of a kidney w We cover more illnesses and conditions than other insurers

6 About PruProtect As well as Serious Illness Cover we also offer: Life Cover Income Protection Cover Optional Serious Illness Cover for Children Health Cover Disability Cover Education Cover Family Income Cover Whole of Life Cover + Business Protection and Relevant Life Policies Find out more To find out more about our Serious Illness Cover or any of our other products, please speak to your financial adviser or take a look at pruprotect.co.uk pruprotect.co.uk PruHealth is a trading name of Prudential Health Limited, Prudential Health Insurance Limited and Prudential Health Services Limited. Registered numbers , and respectively. PruProtect is a trading name of Prudential Health Services Limited and Prudential is a trading name of The Prudential Assurance Company, registered number The Prudential Assurance Company Limited provides and manufactures benefits under the PruProtect Plan. Prudential Health Limited and Prudential Health Insurance Limited provide and manufacture benefits under the PruHealth product. Prudential Health Services Limited distributes and services the PruHealth and PruProtect products and issues the documentation. Companies registered in England and Wales. Registered offices at Laurence Pountney Hill, London EC4R 0HH. All authorised and regulated by the Financial Services Authority. PRUPS /2012

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