Critical illness insurance can help minimize the financial impact on you and your family if you become seriously ill. This is an option that can be added at an additional cost if you purchase life insurance or reduce your life insurance. The list of diseases we cover includes many types of cancer, heart attack and stroke. However, some cancers are not included and you must have permanent symptoms to make a claim for certain diseases. If you already have critical illness insurance with us, you will find the full terms and definitions available to you in your original insurance documents. The critical illnesses for which you are already insured may differ from those listed below. You can also use the same phone number to submit a claim under critical illness coverage for children or additional coverage for the definitions of “in situ breast carcinoma” or “low-grade prostate cancer.” An exclusive intermediary. Covers all conditions listed in the category Critical Illness Insurance and Extra Critical Illness Insurance, as well as other critical conditions specified for children. Insurance coverage is included for an unlimited number of children. For more information on critical illness cover, see the list of illnesses we cover When you, the parent, apply for a critical illness and we pay, you will receive up to £1000 for childcare expenses during your recovery. The application is settled upon receipt of proof of payment by a licensed childminder and applies to a biological child, a legally adopted child or a spouse`s child under 5 years of age. This benefit covers child care that takes place within 18 months of your diagnosis. If your health deteriorates, Legal and General Critical Illness coverage covers a number of specific critical illnesses.
These include various types of cancer, with the exception of less advanced cases. These headlines usually use medical terms to describe a serious illness, but in some cases, coverage may be limited. For example, some cancers are not included and to make a claim for certain diseases, you must have permanent symptoms. Our critical illness guidelines are designed to be adapted to make a difficult time a little easier for your client. The following options are available: A serious illness can affect anyone at any age and change lives. In the event of incapacity for work due to a serious illness, a contingency plan can alleviate the financial stress of the situation. Some people can use their savings to make up for their loss of income, others can count on a package of benefits, while others may find critical illness insurance to be their best option. Our critical illness coverage can be added to life insurance or sliding scale life insurance for an additional fee. They could pay cash if you are diagnosed or undergo a medical procedure with any of the mentioned critical illnesses that we cover during the term of your policy, and you survive 14 days after diagnosis.
For every night your child spends in the hospital within three months immediately of being diagnosed by one of the children`s critical illness insurances, We will pay you £100 per night. up to a maximum of £1000. Covers the conditions listed under Critical Illness Insurance. Insurance coverage is included for up to 2 children and applies to biological children, legally adopted children or stepchildren of the adult. Below is a complete list of serious illnesses covered. Some cancers are not included and you must have permanent symptoms to make a claim for certain diseases. Some cancers are not included and to make a claim for certain diseases, you must have permanent symptoms. Critical illness coverage for children is included at no extra cost. Or your client can choose the Critical Illness for Children program as an extra if they want more coverage. Yes, we automatically include critical illness coverage for children when you choose critical illness insurance. If your child is diagnosed with a serious illness that we cover, we may pay £25,000 or 50% of your insurance amount, whichever is lower. All these benefits are subject to the Terms and Conditions.
You should read your policy summary, policy pamphlet and critical illness protection guide before you apply, as we want to make sure you understand what you are and what you are not covered for, including other exclusions. Covers multiple claims per year if your customer sustains a specific injury, up to £7,500 per year. Available for an additional £5.90 per month*. Your client will receive an initial payment if they are placed on an NHS waiting list for a specific condition. For customers with an increased budget. It covers more conditions, with additional payments for customers who want a little more protection. Our critical illness coverage automatically includes a number of additional benefits, such as critical illness coverage for children. Depending on your medical history, certain conditions may be excluded from your policy, but each claim will be considered individually. You will be notified of any exclusions during your application process. Calculators, sales aids and case studies for your customer conversations.
We offer additional coverage for in situ breast cancer (treated surgically) and low-grade prostate cancer (requiring treatment).