30 Critical Illnesses covered by Direct Purchase Insurance (DPI)?

Hi Will,

The idea behind DPI is to provide a standardized product for consumers. In this case, pricing aside, everything else should be equal. Knowing that there is only a standard LIA list of definitions late CI but not early CI, I checked a couple of the product summaries for you to be sure.

The list of covered CI is only for late stage, and only for 30 major CIs as follows:

1. Alzheimer's Disease / Severe Dementia

2. Irreversible Aplastic Anaemia

3. Severe Bacterial Meningitis

4. Benign Brain Tumour

5. Blindness (Irreversible Loss of Sight)

6. Coma

7. Coronary Artery By-Pass Surgery

8. Deafness (Irreversible Loss of Hearing)

9. End Stage Liver Failure

10. End Stage Lung Disease

11. Fulminant Hepatitis

12. Heart Attack of Specified Severity

13. Open Chest Heart Valve Surgery

14. HIV due to Blood Transfusion and Occupationally Acquired HIV

15. End Stage Kidney Failure

16. Irreversible Loss of Speech

17. Major Burns

18. Major Cancer

19. Major Head Trauma

20. Major Organ / Bone Marrow Transplantation

21. Motor Neurone Disease

22. Multiple Sclerosis

23. Muscular Dystrophy

24. Paralysis (Irreversible Loss of Use of Limbs)

25. Idiopathic Parkinson’s Disease

26. Primary Pulmonary Hypertension

27. Stroke with Permanent Neurological Deficit

28. Open Chest Surgery to Aorta

29. Severe Encephalitis

30. Angioplasty and Other Invasive Treatment for Coronary Artery

Naturally, at this point, you would be on the 2019 CI definitions if you were to purchase DPI.

Hi Will, likely not.

There aren't many policies via DPI that allows for ECI coverage. It should be stated in the product summary if there is so do refer there.