LV= : Flexible Protection Plan – Critical Illness Cover

Product profile

Description

• Pays out a guaranteed cash sum if you're diagnosed as suffering from a specified critical illness

• The money could give you a better choice of how you go on to live your life

• You could possibly pay off your mortgage, move house, make house adjustments or simply take a holiday to recuperate

For

18 to 69

Maximum amount payable

£3 million

Critical Illnesses covered

• Alzheimer's Disease
  
• Aorta graft surgery
  
• Aplastic anaemia
  
• Bacterial meningitis
  
• Benign brain tumour
  
• Benign intramedullary spinal cord tumour
  
• Blindness
  
• Cancer
  
• Cardiomyopathy
  
• Coma
  
• Coronary artery by-pass grafts
  
• Creutzfeld-Jacob disease
  
• Deafness
  
• Dementia
  
• Encephalitis
  
• Heart attack

• Heart valve replacement or repair
  
• HIV infection
  
• Kidney failure
  
• Liver failure
  
• Loss of hands or feet
  
• Loss of independence
  
• Loss of speech
  
• Major organ transplant
  
• Motor neurone disease
  
• Multiple sclerosis
  
• Multiple system atrophy
  
• Open heart surgery
  
• Paralysis of a limb
  
• Parkinson's Disease
  
• Primary pulmonary hypertension
  
• Progressive supra-nuclear palsy
  
• Pulmonary Artery Surgery
  
• Severe lung disease
  
• Stroke
  
• Surgical removal of an eyeball
  
• Systemic lupus erythematosus
  
• Third degree burns
  
• Total permanent disability
  
• Traumatic head injury
  

Partial Payments

• Coronary Artery Angioplasty
  
• Prostate Cancer
  
• Ductal carcinoma in situ (of the breast)
  
• Partial loss of sight
  
• Removal of one or more lobes of the lung
  
• Severe Crohn's disease
  
• Severe ulcerative colitis*

Not covered

• Any illness not specified
• Some forms of cancer

Period of cover

• Minimum one year
• Maximum 40 years
• Cover ends at age 70

Benefits

• You choose the amount
• Level benefit basis
• Children automatically covered
• Reviewable premium after 5 years
• Guaranteed insurability option
• Red Arc Assured Extra Care service

Options

• Index linking

* Partial payments do not reduce cover