Critical Illness Cover

Improving Cover. Reducing Complexity

We’re always listening to feedback from our advisers. This is why we’ve broadened our critical illness offerings, simplifying our list of covered conditions aiming to make it easier to understand providing even more cover for your clients. Our improvements include:

  • Adding new conditions to our Critical Illness Extra offering
  • Removed conditions that are now redundant
  • Improved conditions across our critical illness offerings
  • Merged conditions – Combining complex conditions, in a simple and easy way

Improving Cover. Reducing Complexity Animation video

What are the main changes?

These changes aims to simplify our list of covered conditions making it easier to understand and providing even more cover for your clients.

Critical Illness Cover

  • Improvements: liver failure by removing the drug and alcohol exclusion.
  • Improvements: coma – specified severity – removal of ongoing symptoms
  • Removing HIV caught from a blood transfusion, physical assault or accident at work.
  • Improvements: major organ transplant to include artificial devices or animal transplants.
  • Improvements: pulmonary hypertension extended to cover all causes (not just primary) assuming they meet the specified New York Heart Association classifications

We’ve also merged similar conditions, where there are synergies. The new merged list of conditions makes it much easier for you to explain to your clients what conditions are covered.

For example: Brain injury due to anoxia and hypoxia  + traumatic brain injury = brain Injury due to trauma, anoxia or hypoxia resulting in permanent symptoms

For a full list of illness definitions, please see our PDF file: Guide to Critical Illness Cover: Definitions explained (QGI14407) PDF size: 1.1MB

Our standard cover provides quality protection for your clients and their family at an affordable price.

  • 31 full payment conditions
  • 2 additional payments that pay 25% of cover up to £25,000

Product Features Include

  • Children’s Critical Illness Cover included at no extra cost with a payout of £25,000 (or 50% of the sum assured, whichever is lower)
  • Nurse Support Services provided by RedArc Assured Ltd. included as standard
  • Optional Total and Permanent Disability
  • Terminal Illness Cover (life expectancy less than 12 months)
  • Surgical treatment that will make an advanced payment if the life covered is placed on an NHS waiting list for a specified condition
  • Accident Hospitalisation Benefit that could pays £5,000 if your client is admitted to hospital with physical injuries for 28 consecutive days following an accident

Find out more

Critical Illness Extra

  • Improvements: increasing additional payments from a maximum of £30k or 25% to £30k or 50% of the amount of cover, whichever is lower.
  • NEW: full payment for primary sclerosing cholangitis
  • NEW: full payment for necrotising fasciitis
  • NEW: additional payment for coronary angioplasty
  • NEW: additional payment for brain abscess drained via craniotomy

We’ve also merged similar conditions, where there are synergies. The new merged list of conditions makes it much easier for you to explain to your clients  what conditions are covered.

For example; coronary artery by-pass grafts + open heart surgery = open heart surgery

For a full list of illness definitions, please see our PDF file: Guide to Critical Illness Cover: Definitions explained (QGI14407) PDF size: 1.1MB .

Our Critical Illness Extra provides further financial protection against certain life changing illnesses.

  • 48 full payment conditions
  • 28 additional payments that pay up to a maximum of £30,000 (or 50% of the sum assured, whichever is lower)
Product Features Include
  • All the features included as part of our Critical Illness Cover
  • Optional Total and Permanent Disability
  • Terminal Illness Cover (life expectancy less than 12 months)
  • Surgical treatment that will make an advanced payment if the life covered is placed on an NHS waiting list for a specified condition
  • Accident Hospitalisation Benefit that could pay £5,000 if your client is admitted to hospital with physical injuries for 28 consecutive days following an accident

Find out more

Children's Critical Illness Extra

Improvements extending the conditions the child is covered for and; include conditions listed under Critical Illness Extra, with the exception of Terminal Illness Cover and Total and Permanent Disability

We’ve also merged similar conditions, where there are synergies. The new merged list of conditions makes it much easier for you to explain to your clients  what conditions are covered.

For example; loss of hand or foot + paralysis of a limb = loss of use of hand or foot

For a full list of illness definitions, please see our PDF file: Guide to Critical Illness Cover: Definitions explained (QGI14407) PDF size: 1.1MB .

Extra protection for your clients’ precious ones from the moment they’re born.

  • 76 conditions listed under Critical Illness Extra
  • A further 8 specific child critical illness conditions.
  • Pays 50% of cover up to £30,000
Product Features Include
  • Covers relevant children from birth. Applies to natural children, legally adopted children or stepchildren of the adult covered.
  • Cover for an unlimited number of relevant children
  • Children’s Terminal Illness Cover (life expectancy less than 12 months) that could pay £10,000

Find out more

Alan Lakey, Director, CIExpert said:

"CIExpert is a long-time advocate of simplicity within critical illness plan design.  The days of adding yet more conditions, many of which provided little likelihood of a successful claim, are gone.

The changes announced by Legal & General provide the triple benefits of reducing complexity, reducing condition numbers and enhancing the prospect of a successful claim.

The process of combining linked conditions into one over-arching version is the way forward and Legal & General’s changes is a first positive step in this direction."



Transitional arrangements; these product changes will be available from 29th July 2019

For more information, take a look at our product pages or speak with your Legal & General contact.

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