Am I eligible to take out Critical Illness Cover?

You must be a UK resident when you apply to be eligible. The maximum age limit for taking out Critical Illness Cover is 67, and the minimum term length is two years. What’s more, your policy must end before you turn 75, and the maximum length of your policy is 50 years. Depending on your medical history, some conditions may be excluded from your policy but each application is looked at on an individual basis. You'll be informed of any exclusions during your application process. For more information, please refer to our Policy Summary PDF.

What critical illnesses are covered under this policy?

Legal & General’s Critical Illness Cover covers a range of specified critical illnesses. This includes various cancers, excluding less advanced cases. The list of illnesses we cover includes many types of cancer, heart attack and stroke. However, some types of cancer are not included and you need to have permanent symptoms to make a claim for some illnesses. For more information on Critical Illness Cover, list of the illnesses we cover

Will my children be covered if I choose to add Critical Illness Cover?

Yes, we will automatically include Children's Critical Illness Cover when you select Critical Illness Cover. If your child is diagnosed with a critical illness that we cover, we could pay out £25,000 or 50% of your cover amount, whichever is lowest. There are additional benefits included too such as Childcare Benefit and Family Accommodation Benefit. Learn more about Children's Critical Illness Cover. Further eligibility criteria and exclusions apply, so please read the Guide to Critical Illness Cover for more information, and the Critical Illness Cover Policy Booklet to see what is and isn’t covered.

Will my premiums stay the same throughout the policy term?

Your premiums are guaranteed to stay the same unless you alter your policy.

How do I make a critical illness claim?

You can call our claims team, Monday to Friday between 9am and 5pm. The telephone number you need is [$ResponseTap_LGI_Claims_08000680789$]. You can also use the same telephone number to make a claim under children’s critical illness cover or additional cover for the ‘Carcinoma in situ of the breast’ or 'low grade prostate cancer' definitions. You can also email or write to us. What information will you need? To let us know you want to make a claim you'll need to provide us with the following: A policy number (this can be found on your Direct Debit) Details of the diagnosis/illness Contact details for your GP/Medical Consultant What happens next? We'll carry out some basic policy checks to ensure the condition can be regarded as a claim We'll ask for information about your diagnosis and your Consultant and GP details. If you have any GP or Consultant letters, these will be useful for us. Once we've finished discussing your claim, we'll send you some simple forms to sign and return – we can email or send these to you via post. Following this, we'll then take control of your claim and keep you updated throughout the whole process. It’s important that you continue to pay your premiums while the claim is being assessed. Each claim is treated individually and your claims handler will explain everything to you in detail if you ever come to make a claim.

Is my policy still live?

Your policy will remain live throughout your term as long as your premiums are up to date. The easiest way to view and manage your policy is to access My Account . Simply visit the link to log in or register. Alternatively, you can click 'Policy Documents Request Form' to get a policy summary by email. You could also check your bank statements for payments being made to any other insurance companies. Note that we can only send to the email address that we currently hold on our records. Find out more about our Privacy Policy .

Can I remove Critical Illness Cover from my policy?

You might be able to remove Critical Illness Cover from your policy. This depends on the type of cover you have and the terms and conditions. You can find out about your options to change your cover in your policy documents. You may also want to talk to a financial adviser about your best options before cancelling or changing your policy.

Can I cancel my policy?

Yes, but we recommend speaking to your financial adviser before cancelling a policy. If you cancel your policy within the first 30 days, we’ll refund any premiums paid. After 30 days, no premiums will be refunded. We’ll require authority from each policy holder(s). Please call us on 03700 600015, we're open 9am to 6pm, Monday to Friday. We may record and monitor calls. Call charges will vary. Or you can cancel online.

Critical Illness Cover | Insurance

What is Critical Illness Cover?

Critical Illness Cover can help minimise the financial impact on you and your family if you become critically ill. It’s an option that can be added for an extra cost when you take out Life Insurance or Decreasing Life Insurance.

How does Critical Illness Cover work?

Our Critical Illness Cover can be added to Life Insurance or Decreasing Life Insurance for an extra cost. It could pay out a cash sum if you’re diagnosed with, or undergo a medical procedure for one of the specified critical illness that we cover during the length of your policy, and you survive for 14 days from diagnosis

The cash sum could be used to help with child care costs, household bills or to help maintain your standard of living if you're forced to take time off work to recover
Children's Critical Illness Cover is automatically included. Terms and conditions apply

Who needs Critical Illness Cover?

A critical illness can affect anyone at any age and can turn lives upside down. In the event of being unable to work due to critical illness, having a back-up plan in place can alleviate some of the financial stress of the situation. Some people may use their savings to supplement their loss of income, others may rely on an employment benefit package, while others may find that Critical Illness Cover is their best option.

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Critical Illness Cover

What is Critical Illness Cover?

How does Critical Illness Cover work?

Who needs Critical Illness Cover?

Important information

Key documents - please read before you apply

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Critical Illness Cover FAQs

Am I eligible to take out Critical Illness Cover?

What critical illnesses are covered under this policy?

Will my children be covered if I choose to add Critical Illness Cover?

Will my premiums stay the same throughout the policy term?

How do I make a critical illness claim?

Is my policy still live?

Can I remove Critical Illness Cover from my policy?

Can I cancel my policy?

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Critical Illness Cover

How does Critical Illness Cover work?

Who needs Critical Illness Cover?

What's covered?

What's not covered?

Am I eligible to take out Critical Illness Cover?

What critical illnesses are covered under this policy?

Will my children be covered if I choose to add Critical Illness Cover?

Will my premiums stay the same throughout the policy term?

How do I make a critical illness claim?

Is my policy still live?

Can I remove Critical Illness Cover from my policy?

Can I cancel my policy?

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