Association of British Insurers definitions


This is a core list of the of the 23 critical illness conditions set out by the Association of British Insurers for life insurance companies to follow.

Put your mouse over the illness below to learn more about the illness and its definition.

Alzheimers disease Aorta Graft Surgery Benign brain tumour Blindness
Cancer Coma Coronary artery bypass grafts Deafness – permanent and irreversible
Heart Attack – of specified severity Heart Valve Replacement or Repair HIV Infection  

Please refer to the specific key facts document for your policy as the definitions and illnesses may differ between life insurance policies and life insurance companies.

The Association of British Insurers (ABI) reviews critical illness cover (as it does other product lines) every three years, via a published Statement of Best Practice (SoBP). Whilst there are some 23 conditions which a provider must offer to describe their product as a comparable critical illness product,there is the opportunity to exceed the minimum claim definition again prescribed by the ABI known as ABI Plus Definitions.

An example of this on Multiple Sclerosis would be reducing the standard period of six months of continuous symptoms being present after a definite diagnosis to three months so that a customers can benefit more quickly from a payout.

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The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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