16 March 2020

Royal London boosts Critical Illness Cover

6 min read

Meera Khanna, Consumer PR Manager
Meera Khanna

Corporate PR Manager - Protection


Royal London has made improvements to its Critical Illness and Children’s Critical Illness Cover available through its Menu Plans to provide better outcomes for customers.

A new conversion option has been added to Royal London’s Enhanced Children’s Critical Illness Cover. This allows the policyholder’s children to take out their own Critical Illness Cover without any medical underwriting, within six months of the children’s cover ending. It has also increased the maximum age a child is covered under its Children’s Critical Illness Cover to 23 if they are in full-time education (21 otherwise).

Advanced surgery benefit has been added to the Critical Illness Cover, which allows a pay out to be made as soon as a customer is on an NHS waiting list for surgery, rather than after it is performed. This applies to any of the 12 surgeries1 within the policies’ main definitions.

Royal London has also removed the drug and alcohol exclusion from its Critical Illness Cover, as well as combining several definitions for simplicity, helping provide better outcomes for customers.

The developments are part of Royal London’s focus on providing cover where it matters and paying claims faster.

Jennifer Gilchrist, protection specialist at Royal London said:

“The changes we have made are simple and focus on offering cover where it matters. These enhancements to our Critical Illness Cover are part of our ongoing mission to make a real difference to our customers, by removing barriers to claims and making even faster payments.”

Alan Lakey, CIExpert, said:

“These improvements have added to an already excellent plan with sensible adjustments and condition consolidations. A worthwhile upgrade which will increase and speed up claims.”

Notes to editors

1The 12 surgeries are:

  • Aorta graft surgery
  • Benign brain or spinal cord tumour
  • Cardiac arrest
  • Cardiomyopathy
  • Coronary artery bypass grafts
  • Heart valve replacement or repair
  • Major organ transplant
  • Peripheral vascular disease
  • Pneumonectomy
  • Pulmonary artery graft surgery
  • Structural heart surgery
  • Ulcerative colitis

For further information please contact:

Meera Khanna, Corporate PR Manager - Protection

About Royal London:

Royal London is the largest mutual life insurance, pensions and investment company in the UK, with assets under management of £139 billion, 8.6 million policies in force and 4,348 employees. Figures quoted are as at 30 June 2020.