What's Typically Covered?

You will probably be surprised at how many conditions are covered by critical illness insurance. Below is a a list taken from the LV website on the 1/7/2017. Other insurers cover will vary and we find the most suitable for you.
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Full payment conditions covered:

1. Alzheimer’s disease or other forms of dementia – resulting in permanent symptoms
2. Aorta graft surgery – for disease or traumatic injury
3. Aplastic anaemia – complete
4. Bacterial meningitis – resulting in permanent symptoms
5. Benign brain tumour
6. Benign spinal cord tumour – resulting in permanent symptoms
7. Blindness – permanent and irreversible
8. Cancer – excluding less advanced cases
9. Cardiac arrest
10. Cardiomyopathy – of specified severity
11. Coma – with associated permanent symptoms
12. Coronary artery bypass grafts
13. Creutzfeldt-Jakob disease
14. Deafness – permanent and irreversible
15. Encephalitis – resulting in permanent symptoms
16. Heart attack – of specified severity
17. Heart valve replacement or repair
18. HIV infection – caught in a specified list of countries from a blood transfusion, a physical assault or at work
19. Idiopathic pulmonary arterial hypertension – of specified severity
20. Kidney failure – requiring permanent dialysis
21. Liver failure
22. Loss of hands or feet – permanent physical severance
23. Loss of independent existence – unable to look after yourself ever again
24. Loss of speech – permanent and irreversible
25. Major organ transplant - from another person
26. Motor neurone disease – resulting in permanent symptoms
27. Multiple sclerosis – with persisting symptoms
28. Multiple system atrophy – resulting in permanent symptoms
29. Neuromyelitis optica (Devic's disease) - with persisting symptoms
30. Open Heart Surgery – with surgery to divide the breastbone
31. Paralysis of a limb – total and irreversible
32. Parkinson’s disease – resulting in permanent symptoms
33. Parkinson Plus Syndromes - resulting in permanent symptoms
34. Pneumonectomy – removal of an entire lung
35. Progressive Supranuclear Palsy – resulting in permanent symptoms
36. Pulmonary Artery Surgery – for disease only
37. Severe lung disease
38. Stroke – of specified severity
39. Surgical removal of an eyeball
40. Systemic Lupus Erythematosus
41. Terminal illness
42. Third degree burns – covering 20% of the body’s surface area or affecting 50% of the area of the face or head
43. Traumatic brain injury – resulting in permanent symptoms

Partial payment conditions covered:

1. Accident hospitalisation cover - (lower of 25% of cover and £25,000)
2. Arteriovenous Malformation (AVM) of the brain - with specified treatment (lower of 12.5% of cover and £12,500)
3. Carcinoma in-situ of the cervix uteri - requiring treatment with hysterectomy (lower of 12.5% of cover and £12,500)
4. Carcinoma in-situ of the urinary bladder - (lower of 12.5% of cover and £12,500)
5. Carotid Artery Stenosis - treated by Endarterectomy or Angioplasty (lower of 12.5% of cover and £12,500)
6. Cerebral Aneurysm - with surgery or radiotherapy (lower of 12.5% of cover and £12,500)
7. Central retinal artery or vein occlusion - resulting in permanent visual loss (lower of 12.5% of cover and £12,500)
8. Coronary artery angioplasty - with specified treatment (lower of 25% of cover and £25,000)
9. Diabetes mellitus Type 1 - requiring permanent insulin injections (lower of 12.5% of cover and £12,500)
10. Ductal or lobular carcinoma in-situ of the breast - with specified treatment (lower of 25% of cover and £25,000)
11. Non-severe cardiomyopathy - definite diagnosis (lower of 25% of cover and £25,000)
12. Ovarian tumour of borderline malignancy/low malignant potential - with surgical removal of an ovary (lower of 12.5% of cover and £25,000)
13. Partial loss of hearing - of specified severity (lower of 12.5% of cover and £12,500)
14. Partial loss of sight - permanent and irreversible (lower of 12.5% of cover and £12,500)
15. Partial third degree burns - covering 10% of the body’s surface area or affecting 25% of the area of the face or head (lower of 12.5% of cover and £12,500)
16. Prostate Cancer - (lower of 25% of cover and £25,000)
17. Removal of one or more lobe(s) of the lung - for disease or trauma (lower of 12.5% of cover and £12,500)
18. Severe Crohn’s disease - surgically treated (lower of 12.5% of cover and £12,500)
19. Severe ulcerative colitis - with operation to remove the entire large bowel (lower of 12.5% of cover and £12,500)
20. Testicular carcinoma in-situ - requiring surgery to remove at least one testicle (lower of 12.5% of cover and £12,500)

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