The Critical Illnesses we cover

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 are the critical illnesses we cover:

Alzheimer's disease (including pre-senile and senile dementia) - resulting in permanent symptoms
Aorta graft surgery - for disease or traumatic injury
Aplastic anaemia - complete
Bacterial Meningitis - resulting in permanent symptoms
Benign intramedullary spinal cord tumour – resulting in permanent symptoms
Benign brain tumour
Blindness - permanent and irreversible
Cancer - excluding less advanced cases
Cardiomyopathy - of specified severity
Coma - resulting in permanent symptoms
Coronary artery angioplasty (We'll make a partial payment of either £25,000 or 25% of the amount of cover, whichever is less, and your full amount of cover will continue)
Coronary artery by-pass grafts
Creutzfeldt-Jakob disease - resulting in permanent symptoms
Deafness - permanent and irreversible
Dementia (including senile dementia) – resulting in permanent symptoms
Ductal carcinoma in-situ of the breast – with specified treatment. (We'll make a partial payment of either £12,500 or 12.5% of the amount of cover, whichever is less, and your full amount of cover will continue)
Encephalitis - resulting in permanent symptoms
Heart attack - of specified severity
Heart valve replacement or repair
HIV infection - caught in a specified list of countries from a blood transfusion, a physical assault or at work
Kidney failure - requiring dialysis
Liver failure
Loss of independent existence - unable to look after yourself ever again
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
Multiple system atrophy – resulting in permanent symptoms
Open heart surgery – with surgery to divide the breastbone
Paralysis of a limb - total and irreversible
Parkinson's disease - resulting in permanent symptoms
Partial loss of sight – permanent and irreversible (We'll make a partial payment of either £12,500 or 12.5% of the amount of cover, whichever is less, and your full amount of cover will continue)
Primary Pulmonary Hypertension
Progressive Supranuclear Palsy
Prostate cancer (We'll make a partial payment of either £25,000 or 25% of the amount of cover, whichever is less, and your full amount of cover will continue)
Pulmonary Artery Surgery – for disease only
Removal of one or more lobe(s) of the lung – for disease or trauma (We'll make a partial payment of either £12,500 or 12.5% of the amount of cover, whichever is less, and your full amount of cover will continue)
Severe Crohn’s disease – surgically treated (We'll make a partial payment of either £12,500 or 12.5% of the amount of cover, whichever is less, and your full amount of cover will continue)
Severe lung disease
Severe ulcerative colitis – with operation to remove the entire large bowel (We'll make a partial payment of either £12,500 or 12.5% of the amount of cover, whichever is less, and your full amount of cover will continue)
Stroke - resulting in permanent symptoms
Surgical removal of an eyeball
Systemic Lupus Erythematosus (SLE)
Terminal illness
Third degree burns - covering 20% of the body's surface area or affecting 50% of the area of the face or head
Traumatic head injury - resulting in permanent symptoms
Total permanent disability - of specified severity

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.

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