Critical Illnesses We Cover
We've increased our cover by four illnesses to 39 which is one of the widest available in the market and includes critical illnesses such as:
| Cancer | Stroke | Heart attack | Parkinson’s disease |
| Multiple sclerosis | Benign brain tumour | Alzheimer’s disease | Mastectomy |
11 ABI+ illnesses
11 of our illnesses exceed the Association of British Insurers model definitions - more than any other insurance provider (correct as of May 2010).
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 surgical 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 50 % of the face or head 38. Total and permanent disability 39. Traumatic head injury – result ing 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. The policy will continue as normal.
Guide To CIC
For full critical illness definitions, please view our Guide to Critical Illness Cover 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.
