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Critical illness cover

For insurance business we arrange policies exclusively through Legal & General

Specified critical illnesses and disabilities

Legal & General's Critical Illness Insurance is designed to cover those critical illnesses which could have a severe impact on your lifestyle.
If you choose to buy their Critical Illness Cover, it will only pay out if you are diagnosed with one of the specified critical illnesses or disabilities listed on the policy during the period of cover and are eligible to claim. All illnesses covered by this plan are consistent with the current view of critical illness held by the medical profession and the Association of British Insurer's list of critical illnesses.
Below is a full list of specified critical iIllnesses and disabilities covered and all must be verified by a medical specialist who is a Consultant at a UK hospital and who is accepted by Legal & General's Chief Medical Officer.
At no extra cost children are also covered for the critical illness and disabilities listed, except for Total and Permanent Disability or any congenital, familial and pre-existing condition. Subject to terms and conditions.
Advances in medicine and technology mean that traditional views of critical illnesses are changing. For example, not all types of cancer are covered by this insurance, because not all types of cancer have a severe impact on lifestyle if discovered early enough.
Please remember that the heading of each critical illness is only a guide to what is covered. Further details of how Legal & General will consider your claim, including the full definitions they will use and the evidence they will need, are given in the Policy Document, Protection Technical Guide and Legal & General's Guide to Critical Illness Cover. The Protection Technical Guide and Legal & General's Guide to Critical Illness Cover are available on request.

What's covered by Legal & General's Critical Illness Insurance

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 permanent symptoms
Blindness - permanent and irreversible
Cancer - excluding less advanced cases
Cardiomyopathy - of specified severity
Coma - resulting in permanent symptoms
Coronary Artery By-Pass Grafts - with surgery to divide the breastbone
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 to divide the breastbone
HIV infection - caught from a blood transfusion, physical assault or accident at work

Kidney failure - requiring dialysis
Liver failure - of advanced stage
Loss of hands or feet - permanent physical severance
Loss of Speech - permanent and irreversible
Major Organ Transplant
Motor Neurone Disease - resulting in permanent symptoms
Multiple Sclerosis - with persisting symptoms
Paralysis of limbs - total and irreversible
Parkinson's Disease - resulting in permanent symptoms
Primary Pulmonary Hypertension - of specified severity
Progressive Supranuclear Palsy - resulting in permanent symptoms
Respiratory failure - of advanced stage
Stroke - resulting in permanent symptoms
Systemic Lupus Erythematosus - with severe complications
Terminal Illness
Third Degree Burns - covering 20% of the body's surface area
Total and Permanent Disability
Traumatic head injury - resulting in permanent symptoms

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