Conditions are divided into three categories: Category A The most serious conditions such as paralysis, total blindness, or total and permanent disability.
Category A conditions pay a lump sum of 60 × the sum insured, which closely equates to five years income. Any payments already made for the same condition under Categories B or C will be deducted from this payment. Once you are paid a benefit under a condition in this category, your Specific Condition Cover will end.
Category B This category includes conditions and surgical procedures which can only occur once, such as a tonsillectomy or blindness in one eye. Category B conditions each pay a lump sum of between 0.5 × the sum insured for procedures such as an appendectomy or removal of an ovary or testicle, up to 24 × the sum insured for permanent partial disability. Any payments already made for the same condition under Category C will be deducted from this payment.
Category C This category includes a range of impairments, surgeries and other medical procedures which, in most cases, are temporary and have the potential to recur. These include bone fractures, the temporary need of a wheelchair, or radiotherapy. Category C conditions each pay a lump sum of between 0.5 × the sum insured for the loss of use of one or two fingers, up to 24 × the sum insured for amputation above the knee or elbow.
A full list of conditions under each category can be found in the Partners Life Specific Condition Cover Protection Benefit Sheet, available from your adviser