Below is a full list of the critical illnesses covered by Legal & General. Unfortunately, not everything can be covered. For example, some types of cancer aren’t covered. And to make a claim for some illnesses, you need to have permanent symptoms.

Children’s Critical Illness Cover is automatically included as standard^{[3] Link to footnote}

Total and permanent disability is defined in two ways. The definition that applies to you will be shown in your policy booklet and will depend on your occupation, employment status and whether you are paid for work. The full definitions and details on when you can claim are in Legal & General’s Guide to Critical Illness Cover (PDF, opens in a new window) and Policy Booklet (PDF, opens in a new window).

Additional cover is provided for carcinoma in situ of the breast (treated by surgery) and low-grade prostate cancer (requiring treatment). This means that if you meet the definitions, Legal & General will pay out 25% of your cover amount, up to a maximum of £25,000. This additional benefit doesn’t affect your amount of cover of the premiums you’ll pay.

The illnesses covered include cancer, heart attack and stroke, but not all occurrences of these illnesses are covered. For example, cancer needs to have spread or reached a specified severity to be considered under the policy, and for some illnesses you need to have permanent symptoms.

If the person covered has a critical illness, it must be verified by a medical specialist who holds an appointment as a consultant at a hospital in the UK, and whose specialism we reasonably consider appropriate to the critical illness.

Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. Above is a list of specified critical illnesses covered by our current policies. You won’t be covered if you’re diagnosed with, or undergo a medical procedure for, a critical illness that doesn’t meet the definition. Some elements of cover are restricted based on information provided.

Please remember, the heading of each critical illness is only a guide to what is covered. Further details of how we will consider your claim, including the full definitions we will use and the evidence we will need, are given in the policy booklet, which will be sent to you when the policy starts.

Please remember that Life Insurance isn’t a savings or investment product and has no cash value unless a valid claim is made. And you won’t be covered if your payments aren’t up to date.