Legal & General has made a number of significant changes to its critical illness plans.
It now includes additional cover for low grade prostate cancer and has 14 ABI+ definitions including heart attack, cancer, stroke and multiple sclerosis.
L&G has also adopted the ABI model wording that clarifies work task-based definitions for total and permanent disability.
It has altered its definition in line with the ABI's revised model wordings for exclusions.
Bonnie Burns, product and technical director for individual protection at Legal & General, said: " Less than 5% of our critical illness claims are declined for not meeting the definition, but we want to get this figure even lower.
"Last year we paid out £177m to 2,784 customers and we hope to pay even more in the future."
The upgraded plans will feature; low grade prostate cancer; three additional ABI+ definitions for cancer, stroke and multiple sclerosis; changes to ductal carcinoma in situ and heart valve replacement or repair; and a reduced exclusion period of 12 months for terminal illness on life and life plus critical illness products.
Other changes will see an increase to 21 for the maxmimum age for children if in full-time education and replacement cover and joint life policy separation
Burns added: "Our customers want to know that should the worst happen they have the cover in place that will do what it promised when they bought it. These enhancements will help us ensure we deliver on that promise."
The aim will be to improve clarity, provide better cover for customers and reduce the number of declined claims that do nto meet policy definition, L&G said.
