Lifeguard Definitions

All you need to know about Automatic Enhancements and the Medical Definition Upgrade Benefit

Automatic Enhancements

In July 2018, we introduced some simplified definitions to our Lifeguard policies, to help you understand exactly what you’re covered for and reflect the latest medical terms and practice. These changes are known as Automatic Enhancements, meaning they’re automatically applied to your policy and they don’t impact your existing premiums. 

For Recovery policies, the following definitions were updated:

  • Coronary Artery Surgery 
  • Coronary Artery Angioplasty 
  • Early Stage Prostatic Cancer
  • Motor Neurone Disease 
  • Out of Hospital Cardiac Arrest 
  • Repair or Replacement of Aorta 
  • Repair or Replacement of Valves.

And for Child Cover policies, we updated the definitions for:

  • Brain Damage
  • Cancer.

Medical Definitions Upgrade (MDU) Benefit

Since July 2018, your Lifeguard policy also includes a feature called the Medical Definitions Upgrade (MDU) Benefit.

The MDU Benefit lets you apply to upgrade some definitions within your policy – Heart Attack, Cancer and, for some policies, Early Stage Melanoma – to increase your cover.

If your application for the MDU benefit is accepted by us, there will be an increase to your premiums. Speak to your adviser for a quote.

The Benefit can be applied to Lifeguard Recovery Stand Alone cover, the Recovery Package and, where applicable, the Recovery Plus Option.

Definition Life Cover, Child Cover and Income Protection - Crisis Benefit Recovery Stand Alone and Recovery Package
"Early Stage Melanoma"
"Heart Attack

*Only where Recovery Plus Option is applicable.


To learn more and apply for the MDU Benefit

Read our Changes in Details or our FAQs for more details about Lifeguard’s MDU Benefit or speak to your financial adviser if you’re ready to apply.