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Critical Illness - Definition Changes

We've updated our critical illness definitions to help improve the cover we offer for the most claimed for illnesses.

 

What are the changes?

The most important change we’ve made is to our cancer in situ definition under additional conditions. 1 in 2 people in the UK are diagnosed with cancer* making up the largest proportion of our claims at 63%**.

We’ve introduced one simple, comprehensive and clear additional payment for cancer in situ requiring surgery. This now means that no matter where the site of the cancer in situ is, an additional payment will be made where surgical intervention is required.

We've kept our current additional conditions for cancers in situ, where treatment other than surgery is needed. With over 200 types* of cancers, these changes give breadth and depth to our cancer definitions, giving your clients clearer and simpler cover.

Source: *Cancer Research UK Accessed 02/17, **Lloyds Banking Group 2016.

 

We've also made a number of other changes:

  • Combined Alzheimer’s disease and Dementia into one definition, as both are assessed in exactly the same way at claim stage.

  • Widened our definitions for benign brain tumour, brain injury, coma, HIV infection, intensive care cover and Parkinson Plus syndromes, and provided more clarity on our definitions for liver failure and stroke.

  • Added a list to the motor neurone desease definition to make it clear exactly what is covered; this now includes Kennedy's disease and spinal muscular atrophy.

  • Improved our children's critical illness definition:
              - increased maximum age of cover up to 22nd birthday
              - removed 90 day exclusion on intensive care and brain injury
    These changes mean children are covered from birth (for all births after 37 weeks), up to their 22nd birthday, to align with the state definitions for child benefits (in relation to full time education).

For more information on our definitions please see our Guide to Critical Illnesses We Cover

 

Frequently asked questions

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When do these changes come into effect? Would you make more than one payment under the cancer in situ definition? What happens to any applications that are in the pipeline at that date? Have you updated your Key Features and Policy Provisions with the changes?
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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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