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Critical Illness & Disability

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.
​
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)
Return to Critical Illness Insurance

Lloyd Vine Limited. Independent Financial Advisers & Mortgage Brokers. Authorised and regulated by the Financial Conduct Authority. 832055.
Copyright All Rights Reserved © 2019 Lloyd Vine Limited. Company Number: 11783591


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About Us


  • Home
  • Insurance
    • Business Protection >
      • Key Person Insurance
      • Shareholder Protection
    • Employee Benefits >
      • Group Income Protection
      • Group Life
      • Group Private Medical
      • Relevant Life Cover
    • Personal Protection >
      • Critical Illness Cover
      • Income Protection
      • Life Assurance
  • Investment
    • Pension & Retirement >
      • Auto Enrolment
      • Company Pensions
      • Flexi-Drawdown Pension
      • Group Personal Pension
      • Pension Annuity
      • Personal Pension
      • Self-Invested Personal Pension
    • Savings & Investments >
      • Investment Bonds
      • Investing For Children
      • ISA (individual Savings Account)
      • Lifetime ISA
  • Mortgages
    • Your Home Mortgage >
      • Introduction
      • Property Surveys
      • Mortgage Consultation
    • Buy To Let >
      • Buy to Let Types
      • Portfolio Landlords
    • Commercial Mortgages >
      • Commercial Mortgages
      • Limited Company Buy to Let
    • Holiday Home Finance
    • Let to Buy
    • Second Home
    • Self Build
    • Mortgage Calculator
  • Contact Us
  • News
  • Documents