Legal & General has added two conditions to its group critical illness (CI) cover..
The two conditions are long-term autoimmune disease, systemic lupus erythematosus, as well as primary pulmonary arterial hypertension which causes high blood pressure in the blood vessels that supply the lungs.
The additions feature among a series of upgrades to the insurer’s CI cover which L&G said also reflect advances in medical diagnoses and will support an improved experience for employers and their employees and policy administration.
Additionally, updates to seven existing conditions have been made, alongside updates to various aspects of the cover.
A suited occupation definition has been added to total and permanent disability. And the terms relating to salary increases have also been made clearer in a bid to help reduce the administration in many cases.
L&G has also improved the clarity for continuing cover for employees when they are temporarily absent.
Improvements to policy administration include:
- Employees who are temporarily absent may now increase their partners’ voluntary critical illness cover
- Employees whose employer has provided the option for them to take out cover on a voluntary basis, can increase their cover when on parental leave
- Flex and voluntary terms are now aligned, meaning Flex now allows a three-month selection window on first entry
James Walker, head of product and proposition – group protection at Legal & General, said: “The addition of two new conditions improves our proposition, making it easier for intermediaries to recommend L&G when looking for suitable arrangements for their clients.
Importantly, our existing group critical illness cover customers will also benefit from the enhancements from their next rate review, helping to improve the experience for all our customers.”
