A claim if someone has a critical Illness
Thankfully, most people who have tested positive for Covid-19, will make a full recovery.
As we learn more about this virus it has become clear that some people might go on to develop long-term health issues that may be covered by your policy - for example, severe lung disease or kidney failure.
If you develop an illness that is covered, we’ll assess and deal with a claim in the normal way and pay-out in line with your policy terms and conditions.
Most financial advisers have set up alternative contact details so try these first.
However if you have a query about your LV= policy application, please contact us and we’ll respond as soon as we can.
We’ll be working on this and will keep you informed along the way.
If you miss one or more payments, we’ll usually offer you a minimum grace period of 60 days to bring your premiums up-to-date (please check your policy conditions to see what grace period you have). If you can't afford to keep you policy in place you need to consider the impacts carefully.
For instance you won't be covered, or be able to make a claim if something happens. We encourage you to think about any steps you take, and give us a call so we can talk this through with you.
Criminals never sleep and they are sadly using Covid-19 as another opportunity to benefit.
If you are facing an exceptionally challenging time which means that you're financially impacted and can't pay your normal premiums, we may be able to offer you a 'payment break'.
This option is for particularly vulnerable customers that need extra support above and beyond what's included in the policy, our additional support services or member benefits. The offer of a payment break is subject to certain criteria and your individual circumstances.
To be eligible for a payment break option, you should:
If we are able to offer any payment break we'll be able to do this one month at a time and will review the situation with you on a month by month basis.
Your cover would remain in place, in full, during any payment break. And you'd be able to make a claim in the usual way, in line with the terms and conditions of your policy.
A 'payment break' option may also be available for our members who are considered vulnerable and are unable to pay premiums due to a mental or chronic physical health issue, or are coming to terms with the death of a close family member.
If you would like to explore a payment break option please contact us so we can talk to you about your circumstances and current income situation.