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.
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 Chron'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 pay either £25,000 or 25% of the amount of cover, whichever is less)
- 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 pay either £12,500 or 12.5% of the amount of cover, whichever is less) - 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 pay either £12,500 or 12.5% of the amount of cover, whichever is less) - Primary Pulmonary Hypertension
- Progressive Supranuclear Palsy
- Prostate cancer
(We'll pay either £25,000 or 25% of the amount of cover, whichever is less) - Pulmonary Artery Surgery – for disease only
- Removal of one or more lobe(s) of the lung – for disease or trauma
(We'll pay either £12,500 or 12.5% of the amount of cover, whichever is less) - Severe Crohn’s disease – surgically treated
(We'll pay either £12,500 or 12.5% of the amount of cover, whichever is less) - Severe lung disease
- Severe ulcerative colitis – with operation to remove the entire large bowel
(We'll pay either £12,500 or 12.5% of the amount of cover, whichever is less) - 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
