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Life Insurance with Critical Illness

Our life with critical illness cover can pay a lump sum if you die or suffer a critical illness

  • With 64 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover included at no extra cost
  • We pay claims quickly – and you can use your money how you want
man in wheelchair next to women petting a dog

Making a life and critical illness claim

We're here to pay claims, and to pay them as quickly as possible. Here you'll find all the information you'll need to make a claim.

Step 1 - What to do first

  • Check your policy conditions to make sure you’re covered for what you’re claiming for and if you’re not sure, please contact us and we’ll let you know.
  • Contact us as soon as possible - you can call, write or email, whichever suits you best.
  • We'll discuss your claim with you and send you a claims pack within 24 hours. We can post or email this to you.
  • We can take you through the questions over the phone but we'll still need to send you the forms so you can check the answers and sign the consent forms.

Don’t forget about the LV= Legal & Wellbeing Support Line

This service is available to you as soon as your policy starts as well as when making a claim.

Read more about your member benefits

Step 2 - Contact us

  • Call our Claims Department on 0800 756 5869 or for TextDirect call 18001 0800 756 5869.
    If you're calling from overseas, you can contact our UK based claims team on +44 1392 366 685.
    Lines are open: 9am - 5pm, Monday to Friday.
  • E-mail us: healthclaims@lv.com.
  • Write to us: Health Claims, LV=, Pynes Hill House, Rydon Lane, Exeter, EX2 5SP.

For TextDirect first dial 18001. We may record and/or monitor calls for training and audit purposes.


Step 3 - The information we'll need

We would need to see the following documentation for a critical illness claim.

  • A claim form completed by you – or a next of kin if you are unable to do so.
  • Consent forms signed by you so that we can obtain additional medical reports where necessary.
  • If you have any copy medical reports from your doctors, please send a copy of these to us.
  • If we need additional information we'll explain why and keep you up to date as we obtain this.

What you're covered for

  • A claim is payable on diagnosis of one of the listed illnesses in your policy, or when you meet the claim definition within the policy, for example you’ve had surgery covered by the policy.
  • We can only look at the critical illness definition included within your policy, as conditions change over time. You therefore need to check your own policy conditions as to your eligibility of your claim.
  • Regrettably, we’re not always able to pay a claim. We'll always fully consider and review all evidence before we decline a claim and explain our reasons for doing so.

Critical Illness Claims FAQs

number 1

Why have you asked to see the birth certificate or passport?
We need to confirm the date of birth of the person insured to make sure that he or she has been paying the correct premium.

number 2

What is your response time to enquires?
We do our best to respond to any enquiries as quickly as possible. But depending on the type of your enquiry, and how much information you give us, it may take us up to five days to get back to you.

Number 3

Does an original death certificate have to be sent in?
Yes. For every death claim we would prefer to receive an original certificate. If this presents any difficulties we can accept a Standard Verification Form completed by a solicitor.


Understand life cover

We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

Find out more

Why choose LV=

An insurance provider you can trust established in 1843.

  • 91% of critical illness claims paid in 2015
  • UK's largest friendly society

Policy documents

  • Policy summary
  • Policy conditions

View policy documents

Get advice

Speak to one of our advisers who can make sure you have the right cover for your needs.

Get some advice

LV=, County Gates, Bournemouth, BH1 2NF, UK