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Royal London introduces enhancements to its critical illness cover

12 December 2018

Royal London has introduced enhancements to its critical illness cover (CI) for three of the most common areas for claim – cancer, heart conditions and multiple sclerosis. This, the business says, will allow it to pay out in a wider range of circumstances. 

The enhanced CI sees the addition of full payments for both heart failure and peripheral vascular disease with by-pass surgery. Heartbeat abnormalities and aortic aneurysms have been added as new additional cover conditions, whilst illness definitions have been updated and expanded to cover a wider range of treatments including thoracotomies and endovascular repairs.

Royal London’s CI now includes additional cover conditions for four additional cancers, whilst low grade prostate cancer claims will now be payable upon diagnosis, without the requirement for treatment. The definition of testicular cancer has also been widened to incorporate benign tumours.

Restrictions on claims for multiple sclerosis requiring symptoms to be present at the time of claim have been removed; meanwhile the definition of Parkinson’s disease cover has been updated in accordance with latest ABI Statement of Best Practice.

Royal London has also improved its Enhanced Child CI cover by adding a new definition for surgical repair of an atrial or ventricular defect. This is a congenital condition most commonly diagnosed at birth or during early childhood.

Christina Rigby, product specialist at Royal London, said: “We have made these enhancements to our critical illness cover to ensure claims are paid, regardless of the different treatments clients may receive. By expanding and adding to these key definitions and focusing on the most common areas for claim, Royal London continues to fully protect customers when it matters most.”

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