Skandia has expanded its critical illness policies to cover more diseases and increased the maximum age of applicants to 67.
The firm has removed Multiple System Atrophy and Progressive Supranuclear Palsy and replaced them with the all-encompassing Parkinson Plus Syndromes.
CI Expert says the new definition covers other conditions that permanently impair motor function, eye movement and postural instability.
In addition, Skandia has widened its definition of blindness to include limiting the central visual field to no more than 20 degrees when it previously stipulated 10 degrees.
In its definition of liver disease it has dropped the specific requirement for cirrhosis. It has also introduced a new partial payment in low grade testicular cancer.
Skandia’s critical illness policy now covers 43 full conditions and 13 partial payment conditions.
Finally, it has increased its maximum age for applicants from 65 to 67 and extended the expiry age from 75 to 80.
All changes are being backdated to April 2013.
CI Expert founder Alan Lakey says: “This is one of the rare instances where less really is more. The alteration increase the likelihood of a claim being met for number of neurological conditions that have similar outcomes to Parkinson’s, MSA or PSP but are not diagnosed as such.”