Summary

Cover for your children

Children are also covered for the critical illnesses and disabilities listed without additional charge, except for Total and Permanent Disability or any congenital, familial and pre-existing condition. Subject to terms and conditions.

Reviewable or fixed premiums

If you choose guaranteed premiums, payments will stay the same throughout the term of the plan.

If you choose reviewable premiums, payment will stay the same for the first five years. Legal & General will then review the payment and recalculate it to see whether it will change at the fifth anniversary of the policy and every five years after that. Your state of health will not be a factor at a review.

The range of critical illnesses covered

Advances in medicine and technology mean that traditional views of critical illnesses are changing. For example, not all types of cancer are covered by this insurance, because not all types of cancer have a severe impact on lifestyle if discovered early enough. Please remember that the heading of each critical illness is only a guide to what is covered.

If you already have a Critical Illness cover plan, please refer to your original policy document for full terms and conditions and definitions available to you. These illnesses may be different from those listed below.

Alzheimer's Disease - resulting in permanent symptoms
Aorta Graft Surgery - requiring surgical replacement
Aplastic Anaemia - with permanent bone marrow failure
Bacterial Meningitis - resulting in permanent symptoms
Benign Brain Tumour - resulting in permanent symptoms
Blindness - permanent and irreversible
Cancer - excluding less advanced cases
Cardiomyopathy - of specified severity
Coma - resulting in permanent symptoms
Coronary Artery By-Pass Grafts - with surgery to divide the breastbone
Creutzfeldt-Jakob Disease (CJD) - resulting in permanent symptoms
Deafness - permanent and irreversible
Dementia - resulting in permanent symptoms
Encephalitis - resulting in permanent symptoms
Heart Attack - of specified severity
Heart Valve Replacement or Repair - with surgery to divide the breastbone
HIV infection - caught from a blood transfusion, physical assault or accident at work
Kidney failure - requiring dialysis
Liver failure - of advanced stage
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
Primary Pulmonary Hypertension - of specified severity
Progressive Supranuclear Palsy - resulting in permanent symptoms
Respiratory failure - of advanced stage
Stroke - resulting in permanent symptoms
Systemic Lupus Erythematosus - with severe complications
Terminal Illness
Third Degree Burns - covering 20% of the body's surface area
Total and Permanent Disability
Traumatic head injury - resulting in permanent symptoms

All illnesses covered by this plan are consistent with the current view of critical illness held by the medical profession and the Association of British Insurer's list of critical illnesses.