AEGON Personal Protection

Full product details for the AEGON Personal Protection critical illness policy, including application criteria, policy details, cover, premiums & fees, claims, exclusions and conditions.

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AEGON Personal Protection Features & Benefits

Cover Type	standard
Number of Conditions Covered	40 conditions
Cover Basis	level, increasing or decreasing
Maximum Cover	£3,000,000
Maximum Age	74 years
Pre-Existing Conditions Excluded	no
Age Cover Expires	84 years
Cancer	yes
Heart Attack	yes
Stroke	yes
Minimum Monthly Premium	£5

Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Maximum Age	74 years	The maximum age at policy commencement is 74 attained where stand-alone critical illness cover is chosen.
Maximum Child Age	17 years	The maximum age for children's critical illness cover is age 17 attained. Children's critical illness protection If the life assured chooses critical illness protection, life with critical illness protection, critical illness family income benefit or life with critical illness family income benefit, all their natural and legally adopted children will be covered for children's critical illness protection between the age of 30 days and their 18th birthday.
Minimum Age	18 years	The minimum age at entry is 18 attained.
Minimum Child Age	30 days (1 month)	The minimum age for cover is 30 days. Children's critical illness protection If the life assured chooses critical illness protection, life with critical illness protection, critical illness family income benefit or life with critical illness family income benefit, all their natural and legally adopted children will be covered for children's critical illness protection between the age of 30 days and their 18th birthday.
Cover for Foreign Nationals	yes	Foreign nationals resident in the UK will be covered.
Cover for Expats	no	Plans are not available to British expatriates resident overseas. Full rules are outlined below: Living abroad The life assured will remain covered for critical illness protection, life with critical illness protection, total and permanent disability benefit, key person income protection, executive income protection and waiver of premium while they are a permanent resident of the United Kingdom, the Channel Islands or the Isle of Man. However, if the life assured travels for more than 13 weeks in any 12-month period outside the United Kingdom, the Channel Islands or the Isle of Man, then the cover for the benefits stated above will be excluded. The 13-week period mentioned above will be extended to 26 weeks during any 12-month period where the life assured travels within or lives temporarily in any one or more of the following countries: European Union, Andorra, Austria, Australia, Canada, Gibraltar, Iceland, Liechtenstein, Monaco, New Zealand, Norway, Switzerland, Turkey, the Vatican City State, or the the USA. Travelling and living abroad If the life assured travels or lives outside of the United Kingdom, the Channel Islands, the Isle of Man, or any of the countries listed above for a period of more than 13 consecutive weeks, then cover will stop. Cover will start again once the life assured has been back in one of the countries listed above for a period of 39 consecutive weeks.

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