Illnesses covered by LV= Critical Illness cover
When you apply for our Critical Illness cover, we may in some instances exclude some of these illnesses from your cover. If this happens we will tell you before your policy starts. The list below is only a guide to what is covered. In some cases the cover may be limited and some types of cancer for example are not covered. Full details are given in the policy document.
Please note, that no claim will be paid unless you survive for 14 days after the critical illness is diagnosed or the surgical procedure takes place.
The following are the critical illnesses we cover:
- Alzheimer's disease (including pre-senile and senile dementia) - resulting in permanent symptoms
- Aorta graft surgery - for disease
- Aplastic anaemia - complete
- Bacterial Meningitis - resulting in permanent symptoms
- Benign brain tumour - resulting in permanent symptoms
- Blindness - permanent and irreversible
- Cancer - excluding less advanced cases
- Cardiomyopathy
- Coma - resulting in permanent symptoms
- Coronary artery by-pass grafts - with surgery to divide the breastbone
- Creutzfeldt - Jakob disease - resulting in permanent symptoms
- Deafness - permanent and irreversible
- Heart attack - of specified severity
- Heart valve replacement or repair - with surgery to divide the breastbone
- HIV infection - caught in the UK or EU from a blood transfusion, a physical assault or at work
- Kidney failure - requiring dialysis
- Liver failure
- Loss of independent existence
- 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
- Progressive Supranuclear Palsy
- Severe lung disease
- Stroke - resulting in permanent symptoms
- Terminal illness
- Third degree burns - covering 20% of the body's surface area
- Traumatic head injury - resulting in permanent symptoms
- Permanent total disability
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