Three new conditions added, changes to eight conditions and improved child cover
Legal & General has updated its group critical illness (CIC) offering, bringing the number of core conditions covered as standard to 15, with the overall number of conditions that can be covered increasing to 41.
Children's cover, which comes as standard, has been enhanced with six child-only conditions and children are now covered from birth (until age 21). These are cerebral palsy, cystic fibrosis, hydrocephalus (treated with insertion of a shunt), muscular dystrophy, spina bifida and child loss of independent existence.
Three new adult conditions have been added, including cancer (second and subsequent), cardiac arrest and progressive supranuclear palsy.
There are eight updates to existing adult conditions, including the removal of postural instability for Parkinson's; improved definition for loss of hand or foot, from two to one; 20% burns to head or face for third degree burns; removed reference to specific troponin levels for heart attack; paralysis of limb for two not one; Hong Kong added to HIV country list; subcutaneous nodules and positive rheumatoid factor test removed for rheumatoid arthritis and removal of exclusion for Kennedys disease for motor neurone disease.
L&G has also introduced unlimited step changes at each benefit selection date, allowing increased flexibility for flexible benefits and voluntary customers.
L&G's group CIC pays up to £500,000 maximum benefit level or five times scheme earnings (whichever is less).
Colin Fitzgerald Distribution Director, Group Protection, Legal & General Group Protection, said: "We understand that life can be unpredictable, which is why we have updated our critical illness products to offer advisers and their clients better support, added flexibility and greater confidence that they will be protected during difficult times.
"These improvements will help us to better serve our customers providing them with more choice and a top-quality proposition. Providing better value for customers is central to our proposition and with more innovations in the pipeline this year we look forward to improving our products further to become one of the leading providers of Group CIC."
The 15 core conditions
Alzheimer's disease - resulting in permanent symptoms
Cancer including Hodgkin's disease - excluding less advanced cases
Cancer second and subsequent - new and unrelated cancer
Coronary artery by-pass grafts - with surgery to divide the breastbone
Creutzfeldt-Jakob disease (CJD) - resulting in permanent symptoms
Heart attack - of specified severity
Cardiac Arrest - with insertion of a defibrillator
Kidney failure - requiring dialysis
Major organ transplant - from another donor
Motor neurone disease - resulting in permanent symptoms
Progressive supranuclear palsy - resulting in permanent symptoms
Multiples sclerosis - with persisting symptoms
Parkinson's disease - resulting in permanent symptoms
Pre-senile dementia - resulting in permanent symptoms
Stroke - resulting in symptoms lasting at least 24 hours
Additional cover options (available at an extra cost)
Angioplasty - to treat specific conditions of specified severity
Aorta graft - surgery requiring surgical replacement
Aplastic anaemia - with permanent bone marrow failure
Bacterial meningitis - resulting in permanent neurological deficit
Balloon valvuloplasty - to relieve heart valvular abnormalities
Benign brain tumour - resulting in either surgical removal or permanent symptoms
Blindness - permanent and irreversible
Cardiomyopathy - of specified severity
Coma - resulting in permanent symptoms
Deafness - permanent and irreversible
Encephalitis - resulting in permanent neurological deficit
Heart surgery - with surgery to divide the breastbone
Heart valve replacement or repair - with surgery to divide the breastbone
HIV infection - caught in a specified country from a blood transfusion, a physical assault or at work in an eligible occupation.
Liver failure - of advanced stage
Loss of hand or foot - permanent physical severance
Loss of independent existence (including muscular dystrophy) - permanent and irreversible
Loss of speech - permanent and irreversible
Paralysis of limb - total and irreversible
Pulmonary artery surgery - to excise and replace with a graft
Respiratory failure - of advanced stage
Rheumatoid arthritis - of specified severity
Terminal illness - before state pension age where death is expected within 12 months
Third degree burns - covering 20% of the surface area of the body or 20% of the face or head
Total and permanent disability - before state pension age and of specified severity
Traumatic head injury - resulting in permanent symptoms
Total And permanent disability on an 'own occupation basis'; or total And permanent disability on an 'any occupation basis'; or exclude cover for total And permanent Disability and Terminal Illness.
Children are covered for the same illnesses and conditions as the insured employee as well as for the additional six child-only conditions.
With child cover enhancements
£570 a month benefit
Asks Alan Lakey
Decided by 'independent' panel