Specified critical illnesses and disabilities
- Sainsbury's Critical Illness Cover, provided by Legal & General, is designed to help cover those critical illnesses which could have a severe impact on your lifestyle.
- If you choose to add critical illness cover to a life assurance policy, it will only pay out if you are diagnosed with one of the specified critical illnesses or disabilities listed in the policy during the period of cover and are eligible to claim. All illnesses covered by this plan are consistent with the current view of critical illness held by the medical profession and the Association of British Insurer's list of critical illnesses.
- The illnesses covered include cancer, heart attack and stroke but because of advances in medicine, not all occurrences of these illnesses are covered, as they will not always have a severe impact on your lifestyle. For example, a cancer needs to have spread or reached a specified severity to be covered under the policy. Similarly heart attacks that cause tissue damage are covered, but minor heart attacks that cause little tissue damage aren’t. In addition angina, which is a different type of illness, isn’t covered. Also, a stroke that results in permanent symptoms is covered, but if you only suffer temporary symptoms that disappear in a few days (sometimes called a mini-stroke) that isn’t covered.
- If you already have one of Legal & General's critical illness cover plans please refer to your original policy document for full terms and conditions and definitions available to you. These illnesses may be different from those listed below. If you want to discuss this further or are unsure about what illnesses apply to you please contact your financial adviser or
Legal & General. It is important that customers do not cancel existing insurance until a replacement policy is accepted. - Below is a list of specified critical illnesses and disabilities covered by the current plan. When a claim is made,
Legal & General must receive verification from a medical specialist who is a consultant at a UK hospital. They must be accepted by Legal & General's Medical Officer and their specialism must be appropriate to the cause of the claim. - At no extra cost children are also covered for the critical illnesses and disabilities listed, except for total and permanent disability or any congenital (present at birth), hereditary and pre-existing condition. Subject to terms and conditions.
- Advances in medicine and technology mean that traditional views of critical illnesses are changing. For example, not all types of cancer are covered by this insurance, because not all types of cancer have a severe impact on lifestyle if discovered early enough.
- Please remember that the heading of each critical illness is only a guide to what is covered. Further details of how your claim will be considered, including the full definitions and the evidence needed, are given in the policy terms and conditions and Legal & General's guide to critical illness cover.
Legal & General's guide to critical illness cover is available on request. - In the event of a mastectomy claim, an additional payment is made which is the lower of 25% of the sum assured or £25,000. The original sum assured and premiums are not affected. Conditions apply.
What's covered by Sainsbury's Critical Illness insurance?
Alzheimer's Disease
- resulting in permanent symptoms
Aorta Graft Surgery
- requiring surgical replacement
Aplastic Anaemia
- with permanent bone marrow failure
Bacterial Meningitis
- resulting in permanent symptoms
Benign Brain Tumour
- resulting in either surgical removal or permanent symptoms
Blindness
- permanent and irreversible
Cancer
- excluding less advanced cases
Cardiomyopathy
- of specified severity
Coma
- resulting in permanent symptoms
Coronary Artery By-Pass Grafts
- with surgery to divide the breastbone or anterolateral thoracotomy
Creutzfeldt-Jakob Disease (CJD)
- resulting in permanent symptoms
Deafness
- permanent and irreversible
Dementia
- resulting in permanent symptoms
Encephalitis
- resulting in permanent symptoms
Heart Attack
- of specified severity
Heart Valve Replacement or Repair
- with surgical thoracotomy
HIV infection
- caught from a blood transfusion, physical assault or accident at work
Kidney failure
- requiring dialysis
Liver failure
- of advanced stage
Loss of hand or foot
- permanent physical severance
Loss of Speech
- permanent and irreversible
Major Organ Transplant
Mastectomy for Ductal Carcinoma In Situ
-requiring total removal of the breast
Motor Neurone Disease
- resulting in permanent symptoms
Multiple Sclerosis
- with persisting symptoms
Multiple System Atrophy
-resulting in permanent symptoms
Open heart surgery
-with median sternotomy
Paralysis of a limb
- total and irreversible
Parkinson's Disease
- resulting in permanent symptoms
Primary Pulmonary Hypertension
- of specified severity
Progressive Supranuclear Palsy
- resulting in permanent symptoms
Removal of an Eyeball
-due to injury or disease
Respiratory failure
- of advanced stage
Stroke
- resulting in permanent symptoms
Systemic Lupus Erythematosus
- with severe complications
Terminal Illness
Third Degree Burns
- covering 20% of the surface area of the body or 20% of the face or head
Total and Permanent Disability
Traumatic head injury
- resulting in permanent symptoms