No. Serious Illness Cover or Specified Illness cover will not apply to any illness or disability. Each product in the market comes with its own list of up to 40 or 50 specific illnesses and disabilities. Some illnesses are included on most policies, including multiple sclerosis, motor neurone disease, coronary artery disease and aggressive forms of cancer. Many common illnesses are not covered, such as angina, mild stroke, back problems and non-aggressive cancers. Some policies offer a partial payment for illnesses such as breast or prostate cancer. But every product is different and it's important to check the full terms and conditions of each when considering your options.