Legal & General provides cover for 35 critical illnesses – that’s 12 more than in the Association of British Insurers’ (ABI) Statement of Best Practice 2006 for selling critical illness cover.
And it’s in addition to the life insurance and other benefits that are included at no extra cost to your client.
For the full illness definition please view Legal & General's Guide to Critical Illness Cover.
The illnesses we cover are:
- 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
