Critical Illness

Critical illness can affect you at any age, impacting your ability to earn a living. Depending upon your individual circumstances you’re most likely to need it if you have a family or a partner or spouse who depends upon your income. If you become ill, you will need time off work to recover which may negatively impact your ability to pay the mortgage or bills.

Equally, if you are a parent of a child with a critical illness who you must take time off work to nurse, then your income can be adversely affected in the same way. We can insure against this too.

We can guide you through the process, letting you choose policies to match your individual needs, budget and circumstances.

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Level term

Designed to deliver a fixed sum assured over the term of the policy.

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Decreasing term

Designed to deliver a decreasing sum assured over the term of the policy – often in line with a reducing repayment mortgage.

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Level Term
Decreasing term

Level term critical illness

If the worst happens and you find you have one of the illnesses or disabilities listed on the policy during the period of cover, you will receive a lump sum to support you and your family.

Designed to deliver a fixed amount of cover over the term of the policy unless you choose indexation – increasing your cover in line with inflation – or you exercise your guaranteed insurability option – choosing to buy additional critical illness cover at a later date.

You can choose single cover to insure one of you, or joint cover to insure you and your partner or spouse.

What's included?

Specific treatments

Ductal Carcinoma in situ of the breast (treated by surgery) and low-grade prostate cancer (requiring treatment).

If you meet the insurer’s definition for these conditions, they will pay out 25% of the amount of cover up to a maximum of £25,000. This benefit does not affect the amount of cover or the premiums you pay.

Children's cover

If you have a critical illness cover policy and your child is diagnosed with a specified condition and is eligible to claim, an amount of cover is paid. The amount of cover is always limited to a proportion of the original amount of cover selected. Additionally, the policy will not end, meaning the cover for the main policyholder continues unaffected.

Legal & General Nurse Support Services
  • Serous illness, disability or bereavement support
  • Second medical opinion
  • Mental health support
  • Cares support
  • Help at home
  • Eldercare

Additional cover

Waiver of premium

If eligible, this means that you won’t have to pay your premiums if you suffer an illness or accident that prevents you working for more than six months.

If you are aged under 55 and accepted on standard terms and normal rates, you will be eligible to take out a Waiver of Payment option on your life or critical illness assurance. This means that providing that your policy payments have been kept up to date until the point of claim, you won’t have to pay premiums if you suffer an illness or accident that stops you working for more than six months.

You must continue to pay your premiums for the first 26 weeks if you are incapacitated. However, your premiums are waived after 26 weeks if you are unable to work because of incapacity.

If a you are not in work, then your premiums are waived if you are unable to perform three or more functional assessment tests. Premiums will continue to be waived until you either:

  • Reach the end of your policy term
  • Die
  • Return to work or fitness, so you no longer qualify for the waiver
  • Retirement
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Critical Illness Extra
  • BENIGN SPINAL CORD TUMOUR – resulting in either specified treatment or permanent symptoms.
  • BRAIN INJURY DUE TO ANOXIA OR HYPOXIA – resulting in permanent symptoms.
  • CAUDA EQUINA SYNDROME – resulting in permanent symptoms.
  • KENNEDY’S DISEASE – resulting in permanent symptoms.
  • DRUG RESISTANT EPILEPSY – treated with invasive surgery to brain tissue.
  • HEART FAILURE – of specified severity.
  • INTENSIVE CARE – requiring mechanical ventilation for 7 days.
  • INTERSTITIAL LUNG DISEASE – of specified severity.
  • MYASTHENIA GRAVIS – with specified symptoms.
  • NEUROMYELITIS OPTICA – where there have been symptoms.
  • PARKINSON PLUS SYNDROMES – resulting in permanent symptoms.
  • PERIPHERAL VASCULAR DISEASE – requiring bypass surgery.
  • PULMONARY ARTERY SURGERY – requiring surgical replacement.
  • REMOVAL OF AN ENTIRE LUNG – due to injury or disease.
  • SEVERE CROHN’S DISEASE – treated with two surgical intestinal resections or removal of the entire large bowel.
  • SYRINGOMYELIA OR SYRINGOBULBIA – with surgery.
  • ULCERATIVE COLITIS – resulting in the removal of the entire large bowel.
  • AORTIC ANEURYSM – with endovascular repair.
  • CAROTID ARTERY STENOSIS – of specified severity resulting in surgery.
  • CENTRAL RETINAL ARTERY OR VEIN OCCLUSION – resulting in permanent symptoms.
  • CEREBRAL OR SPINAL ANEURYSM – with specified treatment.
  • CEREBRAL OR SPINAL ARTERIOVENOUS MALFORMATION – with specified treatment.
  • CROHN’S DISEASE – treated with one surgical intestinal resection.
  • DESMOID TYPE FIBROMATOSIS – with specified treatment.
  • DIABETES MELLITUS TYPE 1 – requiring specified treatment.
  • DRUG RESISTANT EPILEPSY – treated with vagus nerve stimulation.
  • GUILLAIN-BARRE SYNDROME – with persisting clinical symptoms.
  • CANCER OF THE ANUS – treated by surgery.
  • CANCER OF THE APPENDIX, COLON, RECTUM – treated by surgery.
  • CANCER OF THE CERVIX – treated by surgery.
  • CANCER OF THE EXTRAHEPATIC BILE DUCTS – treated by surgery.
  • CANCER OF THE GALLBLADDER – treater by surgery.
  • CANCER OF THE LARYNX – with specified treatment.
  • CANCER OF THE LUNG & BRONCHUS – treated by surgery.
  • CANCER OF THE OESOPHAGUS – treated by surgery.
  • CANCER OF THE ORAL CAVITY OR OROPHARYNX – treated by surgery.
  • CANCER OF THE OVARY – treated by surgery.
  • CANCER OF THE PANCREAS – treated by surgery.
  • CANCER OF THE RENAL PELVIS (OF THE KIDNEY) OR URETER – of specified severity.
  • CANCER OF THE STOMACH – treated by surgery.
  • CANCER OF THE TESTICLE – treated by cancer.
  • CANCER OF THE THYROID – treated by surgery.
  • CANCER OF THE URINARY BLADDAR – of specified severity.
  • CANCER OF THE UTERUS – treated by surgery.
  • CANCER OF THE VIGINA – treated by surgery.
  • CANCER OF THE VULVA – treated by surgery.
  • OTHER CANCER IN SITU OR NEUROENDOCRINE TUMOUR OF LOW MALIGNANT POTENTIAL – with surgery.
  • NON-INVASIVE GASTRO INTESTINAL STROMAL TUMOUR.
  • PITUITARY GLAND TUMOR – with specified treatment or resulting in permanent symptoms.
  • REMOVAL OF ONE OR MORE LOBE(S) OF A LUNG – due to injury or disease.
  • REMOVAL OF URINARY BLADDER – due to injury or disease.
  • SIGNIFICANT VISUAL LOSS – permanent and irreversible.
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Children's Critical Illness Extra

We understand that as a parent (or future parent), you may want more cover for your little ones. As well as our standard Children’s Critical Illness Cover, we offer enhanced cover you can add for an extra cost. Customers who select this option will benefit from:

 

Cover for your child from birth

Cover for an unlimited number of children

Additional illnesses covered:

  • Benign spinal cord tumour
  • Brain injury due to anoxia or hypoxia
  • Cerebral palsy
  • Child’s diabetes mellitus type 1
  • Child’s intensive care benefit
  • Severe Crohn’s disease
  • Cystic fibrosis
  • Down’s syndrome
  • Hydrocephalus
  • Muscular dystrophy
  • Spina bifida
  • Ulcerative colitis

Children’s Terminal Illness Cover:
We will pay £10,000 if, in the unimaginable circumstance, your child is diagnosed with an advanced or rapidly progressing incurable condition (with a life expectancy of less than 12 months in the opinion of your hospital consultant and our medical officer).

GP24

This service removes waiting times, giving you access to a GP 24 hours a day, 365 days a year, from anywhere in the world.

Indexation

There is also the option of linking the amount that you’re insured for to the increases in the Retail Prices Index (RPI). This is called indexation. The amount that you pay and the amount that you are insured for tracks the average change in the purchase price of goods and services such as housing expenses and mortgage interest payments. This will mean that the cost and benefit of the cover will increase each year.

Decreasing term critical illness

If the worst happens and you find you have one of the illnesses or disabilities listed on the policy during the period of cover, you will receive a lump sum to support you and your family.

Designed to deliver a decreasing amount of cover over the term of the policy.

You can choose single cover to insure one of you, or joint cover to insure you and your partner or spouse.

What's included?

Specific treatments

Ductal Carcinoma in situ of the breast (treated by surgery) and low-grade prostate cancer (requiring treatment).

If you meet the insurer’s definition for these conditions, they will pay out 25% of the amount of cover up to a maximum of £25,000. This benefit does not affect the amount of cover or the premiums you pay.

Children's cover

If you have a critical illness cover policy and your child is diagnosed with a specified condition and is eligible to claim, an amount of cover is paid. The amount of cover is always limited to a proportion of the original amount of cover selected. Additionally, the policy will not end, meaning the cover for the main policyholder continues unaffected.

Legal & General Nurse Support Services
  • Serous illness, disability or bereavement support
  • Second medical opinion
  • Mental health support
  • Cares support
  • Help at home
  • Eldercare
GP24

This service removes waiting times, giving you access to a GP 24 hours a day, 365 days a year, from anywhere in the world.

Additional cover

Waiver of premium

If eligible, this means that you won’t have to pay your premiums if you suffer an illness or accident that prevents you working for more than six months.

If you are aged under 55 and accepted on standard terms and normal rates, you will be eligible to take out a Waiver of Payment option on your life or critical illness assurance. This means that providing that your policy payments have been kept up to date until the point of claim, you won’t have to pay premiums if you suffer an illness or accident that stops you working for more than six months.

You must continue to pay your premiums for the first 26 weeks if you are incapacitated. However, your premiums are waived after 26 weeks if you are unable to work because of incapacity.

If a you are not in work, then your premiums are waived if you are unable to perform three or more functional assessment tests. Premiums will continue to be waived until you either:

  • Reach the end of your policy term
  • Die
  • Return to work or fitness, so you no longer qualify for the waiver
  • Retirement
Read more
Critical Illness Extra
  • BENIGN SPINAL CORD TUMOUR – resulting in either specified treatment or permanent symptoms.
  • BRAIN INJURY DUE TO ANOXIA OR HYPOXIA – resulting in permanent symptoms.
  • CAUDA EQUINA SYNDROME – resulting in permanent symptoms.
  • KENNEDY’S DISEASE – resulting in permanent symptoms.
  • DRUG RESISTANT EPILEPSY – treated with invasive surgery to brain tissue.
  • HEART FAILURE – of specified severity.
  • INTENSIVE CARE – requiring mechanical ventilation for 7 days.
  • INTERSTITIAL LUNG DISEASE – of specified severity.
  • MYASTHENIA GRAVIS – with specified symptoms.
  • NEUROMYELITIS OPTICA – where there have been symptoms.
  • PARKINSON PLUS SYNDROMES – resulting in permanent symptoms.
  • PERIPHERAL VASCULAR DISEASE – requiring bypass surgery.
  • PULMONARY ARTERY SURGERY – requiring surgical replacement.
  • REMOVAL OF AN ENTIRE LUNG – due to injury or disease.
  • SEVERE CROHN’S DISEASE – treated with two surgical intestinal resections or removal of the entire large bowel.
  • SYRINGOMYELIA OR SYRINGOBULBIA – with surgery.
  • ULCERATIVE COLITIS – resulting in the removal of the entire large bowel.
  • AORTIC ANEURYSM – with endovascular repair.
  • CAROTID ARTERY STENOSIS – of specified severity resulting in surgery.
  • CENTRAL RETINAL ARTERY OR VEIN OCCLUSION – resulting in permanent symptoms.
  • CEREBRAL OR SPINAL ANEURYSM – with specified treatment.
  • CEREBRAL OR SPINAL ARTERIOVENOUS MALFORMATION – with specified treatment.
  • CROHN’S DISEASE – treated with one surgical intestinal resection.
  • DESMOID TYPE FIBROMATOSIS – with specified treatment.
  • DIABETES MELLITUS TYPE 1 – requiring specified treatment.
  • DRUG RESISTANT EPILEPSY – treated with vagus nerve stimulation.
  • GUILLAIN-BARRE SYNDROME – with persisting clinical symptoms.
  • CANCER OF THE ANUS – treated by surgery.
  • CANCER OF THE APPENDIX, COLON, RECTUM – treated by surgery.
  • CANCER OF THE CERVIX – treated by surgery.
  • CANCER OF THE EXTRAHEPATIC BILE DUCTS – treated by surgery.
  • CANCER OF THE GALLBLADDER – treater by surgery.
  • CANCER OF THE LARYNX – with specified treatment.
  • CANCER OF THE LUNG & BRONCHUS – treated by surgery.
  • CANCER OF THE OESOPHAGUS – treated by surgery.
  • CANCER OF THE ORAL CAVITY OR OROPHARYNX – treated by surgery.
  • CANCER OF THE OVARY – treated by surgery.
  • CANCER OF THE PANCREAS – treated by surgery.
  • CANCER OF THE RENAL PELVIS (OF THE KIDNEY) OR URETER – of specified severity.
  • CANCER OF THE STOMACH – treated by surgery.
  • CANCER OF THE TESTICLE – treated by cancer.
  • CANCER OF THE THYROID – treated by surgery.
  • CANCER OF THE URINARY BLADDAR – of specified severity.
  • CANCER OF THE UTERUS – treated by surgery.
  • CANCER OF THE VIGINA – treated by surgery.
  • CANCER OF THE VULVA – treated by surgery.
  • OTHER CANCER IN SITU OR NEUROENDOCRINE TUMOUR OF LOW MALIGNANT POTENTIAL – with surgery.
  • NON-INVASIVE GASTRO INTESTINAL STROMAL TUMOUR.
  • PITUITARY GLAND TUMOR – with specified treatment or resulting in permanent symptoms.
  • REMOVAL OF ONE OR MORE LOBE(S) OF A LUNG – due to injury or disease.
  • REMOVAL OF URINARY BLADDER – due to injury or disease.
  • SIGNIFICANT VISUAL LOSS – permanent and irreversible.
Read more
Children's Critical Illness Extra

We understand that as a parent (or future parent), you may want more cover for your little ones. As well as our standard Children’s Critical Illness Cover, we offer enhanced cover you can add for an extra cost. Customers who select this option will benefit from:

 

Cover for your child from birth

Cover for an unlimited number of children

Additional illnesses covered:

  • Benign spinal cord tumour
  • Brain injury due to anoxia or hypoxia
  • Cerebral palsy
  • Child’s diabetes mellitus type 1
  • Child’s intensive care benefit
  • Severe Crohn’s disease
  • Cystic fibrosis
  • Down’s syndrome
  • Hydrocephalus
  • Muscular dystrophy
  • Spina bifida
  • Ulcerative colitis

Children’s Terminal Illness Cover:
We will pay £10,000 if, in the unimaginable circumstance, your child is diagnosed with an advanced or rapidly progressing incurable condition (with a life expectancy of less than 12 months in the opinion of your hospital consultant and our medical officer).

Still Struggling?

Our explanation video may help you better understand how we can help.
Play Video

We put people, not products first. Once we’ve received your details by telephone, we visit our life insurance and critical illness customers at home, making sure to answer any questions you have and completing the paperwork in person.

Our client account manager service also means that we get to know your individual needs. Whatever your circumstances, we can help find the right solution for both you and your family.

Watch David’s story.

Some Questions?

1. What critical illnesses and disabilities are covered?
  • ALZHEIMER’S DISEASE – resulting in permanent symptoms.
  • ANGIOPLASTY.
  • 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.
  • CARCINOMA IN SITU OF THE BREAST – Treated by surgery.
  • 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 breastbone 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.
  • LOW GRADE PROSTATE CANCER – requiring treatment.
  • 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.
  • SPINAL STROKE – resulting in symptoms lasting at least 24 hours.
  • STROKE – resulting in symptoms lasting at least 24 hours.
  • SYSTEMIC LUPUS ERYTHEMATOSUS – with severe complications.
  • THIRD DEGREE BURNS – 20% of the surface area of the body or 20% of the face or head.
  • TOTAL AND PERMANENT DISABILITY.
  • TRAUMATIC BRAIN INJURY – resulting in permanent symptoms.
  • BENIGN SPINAL CORD TUMOUR – resulting in either specified treatment or permanent symptoms.
  • BRAIN INJURY DUE TO ANOXIA OR HYPOXIA – resulting in permanent symptoms.
  • CAUDA EQUINA SYNDROME – resulting in permanent symptoms.
  • KENNEDY’S DISEASE – resulting in permanent symptoms.
  • DRUG RESISTANT EPILEPSY – treated with invasive surgery to brain tissue.
  • HEART FAILURE – of specified severity.
  • INTENSIVE CARE – requiring mechanical ventilation for 7 days.
  • INTERSTITIAL LUNG DISEASE – of specified severity.
  • MYASTHENIA GRAVIS – with specified symptoms.
  • NEUROMYELITIS OPTICA – where there have been symptoms.
  • PARKINSON PLUS SYNDROMES – resulting in permanent symptoms.
  • PERIPHERAL VASCULAR DISEASE – requiring bypass surgery.
  • PULMONARY ARTERY SURGERY – requiring surgical replacement.
  • REMOVAL OF AN ENTIRE LUNG – due to injury or disease.
  • SEVERE CROHN’S DISEASE – treated with two surgical intestinal resections or removal of the entire large bowel.
  • SYRINGOMYELIA OR SYRINGOBULBIA – with surgery.
  • ULCERATIVE COLITIS – resulting in the removal of the entire large bowel.
  • AORTIC ANEURYSM – with endovascular repair.
  • CAROTID ARTERY STENOSIS – of specified severity resulting in surgery.
  • CENTRAL RETINAL ARTERY OR VEIN OCCLUSION – resulting in permanent symptoms.
  • CEREBRAL OR SPINAL ANEURYSM – with specified treatment.
  • CEREBRAL OR SPINAL ARTERIOVENOUS MALFORMATION – with specified treatment.
  • CROHN’S DISEASE – treated with one surgical intestinal resection.
  • DESMOID TYPE FIBROMATOSIS – with specified treatment.
  • DIABETES MELLITUS TYPE 1 – requiring specified treatment.
  • DRUG RESISTANT EPILEPSY – treated with vagus nerve stimulation.
  • GUILLAIN-BARRE SYNDROME – with persisting clinical symptoms.
  • CANCER OF THE ANUS – treated by surgery.
  • CANCER OF THE APPENDIX, COLON, RECTUM – treated by surgery.
  • CANCER OF THE CERVIX – treated by surgery.
  • CANCER OF THE EXTRAHEPATIC BILE DUCTS – treated by surgery.
  • CANCER OF THE GALLBLADDER – treater by surgery.
  • CANCER OF THE LARYNX – with specified treatment.
  • CANCER OF THE LUNG & BRONCHUS – treated by surgery.
  • CANCER OF THE OESOPHAGUS – treated by surgery.
  • CANCER OF THE ORAL CAVITY OR OROPHARYNX – treated by surgery.
  • CANCER OF THE OVARY – treated by surgery.
  • CANCER OF THE PANCREAS – treated by surgery.
  • CANCER OF THE RENAL PELVIS (OF THE KIDNEY) OR URETER – of specified severity.
  • CANCER OF THE STOMACH – treated by surgery.
  • CANCER OF THE TESTICLE – treated by cancer.
  • CANCER OF THE THYROID – treated by surgery.
  • CANCER OF THE URINARY BLADDAR – of specified severity.
  • CANCER OF THE UTERUS – treated by surgery.
  • CANCER OF THE VIGINA – treated by surgery.
  • CANCER OF THE VULVA – treated by surgery.
  • OTHER CANCER IN SITU OR NEUROENDOCRINE TUMOUR OF LOW MALIGNANT POTENTIAL – with surgery.
  • NON-INVASIVE GASTRO INTESTINAL STROMAL TUMOUR.
  • PITUITARY GLAND TUMOR – with specified treatment or resulting in permanent symptoms.
  • REMOVAL OF ONE OR MORE LOBE(S) OF A LUNG – due to injury or disease.
  • REMOVAL OF URINARY BLADDER – due to injury or disease.
  • SIGNIFICANT VISUAL LOSS – permanent and irreversible.
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2. Would I need a second opinion?

A medical specialist who is a consultant at a UK hospital must verify all critical illnesses and disabilities identified. Their specialism must be appropriate to the cause of the claim. The Chief Medical Officer of the policy provider must also accept them.

3. How long does my critical illness plan last?

A plan can last from a minimum of 5 years to a maximum of 40 years. However, the plan must end before the age of 70.

4. How much does it cost?

There are a number of different price plans available to suit all budgets. However, the higher the monthly premium, the more the lump sum will enable you to provide financial support for your family.

5. Is anyone else covered?

Your children can be covered  for the critical illnesses and disabilities listed on your policy, with the sole exception of Total and Permanent Disability or any congenital, familial and pre-existing conditions. Cover is subject to terms and conditions, but we’ll be happy to talk you through all the complexities to make sure the policy is exactly the right one.

6. What else do I need to be aware of?

Before a sum can be paid out, the eligibility of a claim needs to be checked. For example, if you stop paying the premiums or fail to reveal an existing medical condition – the policy may not pay out. We can help guide you through the questions so there are no mistakes.

Ongoing advances in medicine and technology mean that traditional views of critical illnesses are changing. So, for example, not all types of cancer are covered, because not all types of cancer have a severe impact on lifestyle, if discovered early enough. Just ask us for more information.

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