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List of Critical Illnesses Covered

We're one of the market leaders with the number of critical illnesses we cover

Get a Life with Critical Illness cover quote

With a critical illness, you want to be sure that the cover you choose will be there for when you need it the most.

Here're some of the most common conditions our customers claimed on last year.

  • Cancer

If you were born after 1960, there is a 50% chance for men and 45% chance for women that you'll be diagnosed with some sort of cancer in your lifetime. In fact, over 57% of all our critical illness claims in 2018 were due to cancer.

  • Heart

Heart and circulatory disease cause more than a quarter (27 per cent) of all deaths in the UK; that's nearly 170,000 deaths each year - an average of 460 people each day or one death every three minutes

  • Stroke

Nationally 33% of strokes happen to people between the ages of 20 to 64. Strokes are a major health problem and are the single largest cause of disability for the UK.

Full payment conditions covered

We pay out the full amount of cover for 48 conditions

Hospital bed
  • Alzheimer’s disease or other forms of dementia – resulting in permanent symptoms
  • Aorta graft surgery – for disease or traumatic injury
  • Bacterial meningitis – resulting in permanent symptoms
  • Benign brain tumour – resulting in permanent symptoms or specified treatment
  • Benign spinal cord tumour – resulting in permanent symptoms
  • Blindness – permanent and irreversible
  • Brain abscess – undergoing specified treatments
  • Brain injury due to trauma, anoxia or hypoxia – resulting in permanent symptoms
  • Cancer – excluding less advanced cases and including aplastic anaemia
  • Cardiac arrest
  • Cardiomyopathy – of specified severity
  • Coma – with associated permanent symptoms
  • Coronary artery bypass grafts
  • Creutzfeldt-Jakob disease
  • Crohn’s disease – treated with two intestinal resections
  • Deafness – permanent and irreversible
  • Encephalitis – resulting in permanent symptoms
  • Heart attack – of specified severity
  • Heart failure – 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
  • Idiopathic pulmonary arterial hypertension – of specified severity
  • Kidney failure – requiring permanent dialysis
  • Liver failure
  • Loss of hand or foot – permanent physical severance
  • Loss of independent existence – unable to look after yourself ever again
  • Loss of speech – permanent and irreversible
  • Major organ transplant – from another donor
  • Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms
  • Multiple sclerosis – with persisting symptoms
  • Neuromyelitis optica (Devic’s disease) – with persisting symptoms
  • Open heart surgery – with surgery to divide the breastbone
  • Paralysis of limb – total and irreversible
  • Parkinson’s disease – resulting in permanent symptoms
  • Parkinson plus syndromes – resulting in permanent symptoms
  • Pneumonectomy – removal of an entire lung
  • Pulmonary artery surgery – for disease only
  • Severe lung disease
  • Severe mental illness – of specified severity
  • Severe sepsis – resulting in admission to a critical care unit for 3 days or more
  • Spinal stroke – resulting in permanent symptoms
  • Stroke – of specified severity
  • Syringomyelia or syringobulbia – treated by surgery
  • Surgical removal of an eyeball
  • Systemic lupus erythematosus
  • Terminal illness – where death is expected within 12 months
  • Third degree burns – covering 20% of the body’s surface area or affecting 20% of the area of the face or head
  • Ulcerative colitis – with operation to remove the entire large bowel

Additional payment conditions covered

For the following less serious conditions, we'll pay the lower of 50% of your amount of cover up to £30,000. If we pay a claim under one of these conditions, then your policy will still continue for your full amount of cover. 

Living room with crutches
  • Accident hospitalisation cover
  • Aortic aneurysm – with endovascular repair
  • Carotid artery stenosis – treated by endarterectomy or angioplasty
  • Cauda equina syndrome – with permanent symptoms
  • Cerebral or spinal arteriovenous malformation – with surgery or radiotherapy
  • Cerebral or spinal aneurysm – with surgery or radiotherapy
  • Central retinal artery or vein occlusion – resulting in permanent visual loss
  • Coronary artery angioplasty
  • Diabetes mellitus type 1 – requiring permanent insulin injections
  • Gastrointestinal stromal tumour (GIST) or Neuroendocrine tumour (NET) of low malignant potential – with surgery
  • Guillain-Barré syndrome – with persisting clinical symptoms
  • Non-severe cardiomyopathy – definite diagnosis
  • Other carcinomas in-situ – with surgery
  • Partial loss of hearing – of specified severity
  • Partial loss of sight – permanent and irreversible
  • Partial third degree burns – covering 10% of the body’s surface area or affecting 10% of the area of the face or head
  • Pituitary tumour – resulting in permanent symptoms or surgery
  • Removal of one or more lobe(s) of the lung – for disease or trauma
  • Less advanced cancer – of named sites and specified severity
    • Carcinoma in-situ of the anus – with surgery
    • Carcinoma in-situ of the bile ducts – with surgery
    • Carcinoma in-situ of the cervix uteri – requiring treatment with hysterectomy
    • Carcinoma in-situ of the colon or rectum – resulting in intestinal resection
    • Carcinoma in-situ of the gallbladder – with surgery
    • Carcinoma in-situ of the larynx – with specified treatment
    • Carcinoma in-situ of the lung or bronchus – with specified treatment
    • Carcinoma in-situ of the oesophagus – with surgery
    • Carcinoma in-situ of the oral cavity or oropharynx – with surgery
    • Carcinoma in-situ of the pancreas – with surgery
    • Carcinoma in-situ of the renal pelvis or ureter
    • Carcinoma in-situ of the stomach – with surgery
    • Carcinoma in-situ of the urinary bladder
    • Carcinoma in-situ of the uterus – with hysterectomy
    • Carcinoma in-situ of the vagina – with surgery
    • Carcinoma in-situ of the vulva – with surgery
    • Ductal or lobular carcinoma in-situ of the breast – with specified treatment
    • Ovarian tumour of borderline malignancy/low malignant potential – with surgical removal of an ovary
    • Prostate cancer
    • Testicular carcinoma in-situ – requiring surgery to remove at least one testicle

Enhanced conditions

For 17 conditions we'll pay extra to help offset the harsh financial impact it has on lives.

Family table with coins stacked

We have ten full payment conditions where we’ll pay double your cover, up to a maximum of £200,000 (on top of your original cover). This happens if your claim is as a direct result of an accident.

This can also be claimed if it happens to your children; see more about children's cover.

  1. Blindness - permanent and irreversible
  2. Brain injury due to trauma, anoxia or hypoxia  resulting in permanent symptoms
  3. Coma – with associated permanent symptoms
  4. Deafness – permanent and irreversible
  5. Loss of a hand or foot – permanent physical severance
  6. Loss of independent existence – unable to look after yourself ever again
  7. Loss of speech – permanent and irreversible
  8. Paralysis of limb – total and irreversible
  9. Surgical removal of an eyeball
  10. Third-degree burns – covering 20% of the body’s surface area or affecting 20% of the area of the face or head

For four neurological conditions we cover, we’ll pay double your cover, up to a maximum of £200,000 (on top of your original cover). This happens if you're diagnosed with these conditions before you're 55. 

These are not included in children's cover.

  1. Alzheimer’s disease or other forms of dementia – resulting in permanent symptoms
  2. Motor neurone disease and specified diseases of the motor neurones – resulting in permanent symptoms
  3. Parkinson’s disease – resulting in permanent symptoms
  4. Parkinson plus syndromes – resulting in permanent symptoms

For 3 full payment conditions, we'll pay double your cover, up to a maximum of £200,000 (on top of your original cover) if you meet the definition for one of the listed conditions.

This payment is also available for children's cover.

  1. Liver failure
  2. Major organ transplant - from another donor
  3. Severe lung disease
Please note additional features could be available on this type of product, including total permanent disability, inflation-linked cover, reviewable premiums and enhanced conditions for children’s critical illness and specified complications of pregnancy. Should you wish to discuss additional features, you can contact LifeSearch on 0800 197 2268. LV= have chosen to partner with LifeSearch to offer customers independent advice for protection products.

policy documents

A little extra info never hurt anyone, so have a read of our policy documents

You can get this and other documents from us in Braille, large print or audio by contacting us

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