Permanent symptoms are a key requirement for many critical illness claims. Insurers focus on whether symptoms are long-lasting and unlikely to improve with treatment.
Examples include ongoing weakness after a stroke, permanent speech impairment, chronic mobility issues, or irreversible sensory loss. These symptoms must be confirmed by a specialist and supported by medical evidence.
Temporary symptoms that are expected to improve do not qualify. This distinction ensures that payouts are reserved for conditions that cause lasting change to daily life and independence.
Lyfesure helps clients understand how permanence is assessed and highlights insurers with clear, fair definitions, giving you confidence in your protection.
