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Critical Illnesses We Cover.

Our plans provide a wide range of cover and include critical illnesses such as:

Cancer	Stroke	Heart attack	Multiple sclerosis
Parkinson’s disease	Benign brain tumour	Alzheimer’s disease	Mastectomy

11 ABI+ illnesses

11 of our illnesses exceed the Association of British Insurers model definitions (correct as of May 2011).

The 39 critical illnesses covered are:

1. Alzheimer’s disease – resulting in permanent symptoms
2. ABI+ Aorta graft surgery – requiring surgical replacement
3. Aplastic anaemia – with permanent bone marrow failure
4. Bacterial meningitis – resulting in permanent symptoms
5. ABI+ Benign brain tumour – resulting in either surgical removal or permanent symptoms
6. Blindness – permanent and irreversible
7. Cancer – excluding less advanced cases
8. Cardiomyopathy – of specified severity
9. ABI+ Coma – resulting in permanent symptoms
10. ABI+ Coronary artery by-pass grafts – with surgery to divide the breastbone or anterolateral thoracotomy
11. Creutzfeldt-jakob disease (CJD) – resulting in permanent symptoms
12. Deafness – permanent and irreversible
13. Dementia – resulting in permanent symptoms
14. Encephalitis – resulting in permanent symptoms
15. ABI+ Heart attack – of specified severity
16. ABI+ Heart valve replacement or repair– with surgical thoracotomy
17. ABI+ HIV infection – caught from a blood transfusion, physical assault or accident at work
18. Kidney failure – requiring dialysis
19. Liver failure – of advanced stage
20. ABI+ Loss of a hand or foot – permanent physical severance
21. Loss of speech – permanent and irreversible
22. Major organ transplant
23. Mastectomy for ductal carcinoma in situ – requiring total removal of the breast*- NEW
24. Motor neurone disease – resulting in permanent symptoms
25. Multiple sclerosis – with persisting symptoms
26. Multiple system atrophy – resulting in permanent symptoms - NEW
27. Open heart surgery – with median sternotomy - NEW
28. ABI+ Paralysis of a limb – total and irreversible
29. ABI+ Parkinson’s disease – resulting in permanent symptoms
30. Primary pulmonary hypertension – of specified severity
31. Progressive supranuclear palsy – resulting in permanent symptoms
32. Removal of an eyeball – due to injury or disease - NEW
33. Respiratory failure – of advanced stage
34. Stroke – resulting in permanent symptoms
35. Systemic lupus erythematosus – with severe complications
36. Terminal illness
37. ABI+ Third degree burns – covering 20% of the surface area of the body or 20 % of the face or head
38. Total and permanent disability
39. Traumatic head injury – resulting in permanent symptoms

* If your client undergoes a mastectomy operation, we will pay up to 25% of the sum assured, or 25,000, whichever is lower. This additional cover will not reduce your client’s original sum assured or premiums. The policy will continue as normal.

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Guide To CIC

For full critical illness definitions, please view our Guide to Critical Illness Cover (PDF) now or call your usual Legal & General contact for a copy.

This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other persons.