Our priority is to help customers when they are at their most vulnerable and to pay as many claims as we can as soon as we can

 

Russell Whitworth, Underwriting and Claims Director

 

What’s covered under our critical illness cover?

Critical Illness Cover is designed to pay out if you were diagnosed with one of the specified conditions that we cover and are eligible to claim during the length of your policy. 

Below is a complete list of the conditions that the plan covers. 

These headings typically use medical terms to describe the illness, but in some cases the cover may be limited. For example, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms. 

For full definitions and when you can claim for these illnesses, please refer to our Guide to Critical Illness Cover PDF (PDF: 117KB) and Policy Terms and Conditions  PDF: 197KB

Critical illnesses 
 Alzheimer's disease resulting in permanent symptoms
 Aorta graft surgery requiring surgical replacement
 Aplastic anaemia with permanent bone marrow failure
 Bacterial meningitis resulting in permanent symptoms
 Benign brain tumour resulting in either surgical removal or permanent symptoms
 Blindness permanent and irreversible
 Cancer excluding less advanced cases
 Cardiac Arrest with insertion of a defibrillator
 Cardiomyopathy of specified severity
 Coma resulting in permanent symptoms
 Coronary artery by-pass grafts with surgery to divide the breast bone or anterolateral thoracotomy
 Creutzfeldt-Jakob Disease (CJD) resulting in permanent symptoms
 Deafness permanent and irreversible 
 Dementia resulting in permanent symptoms
 Encephalitis resulting in permanent symptoms
 Heart attack of specified severity
 Heart valve replacement or repair with surgery
 HIV infection caught from a blood transfusion, physical assault or accident at work
 Kidney failure requiring dialysis
 Liver failure of advanced stage
 Loss of hand or foot permanent physical severance
 Loss of speech permanent and irreversible
 Major organ transplant  
 Motor neurone disease resulting in permanent symptoms
 Multiple sclerosis where there have been symptoms
 Multiple system atrophy resulting in permanent symptoms
 Open heart surgery with median sternotomy
 Paralysis of a limb total and irreversible
 Parkinson's disease resulting in permanent symptoms
 Primary pulmonary hypertension of specified severity
 Progressive supranuclear palsy resulting in permanent symptoms
 Removal of an eyeball due to injury or disease
 Respiratory failure of advanced stage
 Stroke resulting in symptoms lasting a least 24 hours
 Systemic lupus erythematosus with severe complications
 Third degree burns covering 20% of the surface area of the body or 20% of the face or head 
 Total and permanent disability* of specified severity
 Traumatic head injury resulting in permanent symptoms

Additional cover

We provide additional cover for Carcinoma in situ of the breast and low grade prostate cancer. This means if you meet our definitions we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay.

Terminal illness cover

The policy will pay out if you're diagnosed with a terminal illness before the last 12 months of the policy and you meet our definition. Read more about the terms and conditions.

*Total and Permanent Disability
There are two definitions of total and permanent disability - Own Occupation and Specified Work Tasks. The full definitions and details on when you can claim are in our Guide to critical illness cover (PDF: 117KB) and Policy Terms and Conditions  PDF: 197KB

Are there any limitations or exclusions to the cover?
  • The illnesses covered include cancer, heart attack and stroke, but because of advances in medicine, not all occurrences of these illness are covered. For example, a cancer needs to have spread or reached a specified severity to be covered under the policy.
  • Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. For example, not all types of cancer are covered by this insurance and to make a claim for some illnesses you need to have permanent symptoms.
  • Above is a list of specified critical illnesses covered by our current policies. If the person covered has a critical illness it has to be verified by a medical specialist who holds an appointment as a consultant at a hospital in the UK and whose specialism we reasonably consider is appropriate to the critical illness.
  • Please remember that the heading of each critical illness is only a guide to what is covered. Further details of how we will consider your claim, including the full definitions we will use and the evidence we will need, are given in the policy terms and conditions, which will be sent to you when your policy starts.
  • If you already have critical illness cover with us, please refer to your original policy document for full terms and conditions and definitions available to you. The illnesses you're already covered for may be different from those listed above. If you want to discuss this further or are unsure about what illnesses apply to you, please contact your financial adviser or Legal & General. You can call us on 0370 010 4080 between 8:30am and 6pm Monday to Friday and 9am to 1pm on Saturday. Call charges will vary. We may record and monitor calls.

Get a quote online

 
Or call us on 0800 027 1976
8am to 8pm Monday to Friday
9am to 5pm Saturday.

We may record and monitor calls and call charges will vary.

Key Information for new customers

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