When you apply for our Critical Illness cover we may sometimes exclude some of these illnesses from your cover. If this happens we'll tell you before your policy starts.
The list below is only a guide to what is covered. For example some types of cancer aren't covered, and to make a claim for some illnesses you need to have permanent symptoms. Full details are given in the policy conditions.
Critical illness cover from LV= will pay if the policy holder dies or suffers from one of the listed critical illnesses. It will either pay a critical illness claim 14 days after the diagnosis or the surgical procedure takes place or if the policy holder dies during the term of the plan.
For some illnesses we’ll only pay a partial payment, but your full amount of cover will continue. If you make a claim that meets the definition for both a partial and full payment condition, we’ll only pay a claim for the full amount of cover and not the partial payment as well. For severe Crohn’s disease and severe Ulcerative Colitis we’ll only make one partial payment. So if we paid a partial payment for one of them, you won't then be covered for the other one. For example if we pay a claim for severe Crohn’s disease, you won't be covered for severe Ulcerative Colitis.
These policy conditions apply to current policies only and with a start date of 10th December 2012 and onwards. If you’re checking to see what cover you have or to see if a claim would be covered, please check the policy conditions you received when you took out your policy or speak to your financial adviser.
If you can’t find your policy conditions and would like help with making a claim please call our friendly claims team on 0800 756 5869.
You can also phone
Call our UK-based advisers for more information or a quote:
0800 756 8515
Quoting offer code IELO
Textphone: 18001 0800 756 8515
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We offer advice on LV= products only