Critical illnesses covered by LV=
Here is a list of illnesses that are generally covered by our Critical Illness 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.
Please note, that no claim will be paid unless you survive for at least 14 days after the critical illness is diagnosed or the surgical procedure takes place.
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 brain tumour
- Blindness - permanent and irreversible
- Cancer - excluding less advanced cases
- Cardiomyopathy
- Coma - resulting in permanent symptoms
- Coronary artery by-pass grafts
- Creutzfeldt-Jakob disease - resulting in permanent symptoms
- Deafness - permanent and irreversible
- Encephalitis - resulting in permanent symptoms
- Heart attack - of specified severity
- Heart valve replacement or repair
- 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
- Mastectomy (we'll pay either £25,000 or 25% of the amount of cover, whichever is less)
- Motor neurone disease - resulting in permanent symptoms
- Multiple sclerosis - with persisting symptoms
- Open heart surgery
- Paralysis of a limb - total and irreversible
- Parkinson's disease - resulting in permanent symptoms
- Primary pulmonary hypertension
- Progressive Supranuclear Palsy
- Prostate cancer (we'll pay either £25,000 or 25% of the amount of cover, whichever is less)
- Severe lung disease
- Stroke - resulting in permanent symptoms
- 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
- Permanent total disability
