Critical illness cover

Saga Critical Illness Cover, provided by Legal & General, pays out if you are diagnosed with one of the specified conditions during the period of cover and are eligible to claim. The illnesses covered by this plan are consistent with the current view of critical illness held by the medical profession and the Association of British Insurers, although advances in medicine and technology mean that traditional views of critical illness are constantly changing. See our What illnesses are covered section for more information.

The headings for each critical illness are only a guide to what is covered. Further details of how your claim is considered, including full definitions that will be used and the evidence required, are provided in the policy documents you will receive.

All specified conditions covered by the plan must be verified by a medical specialist who is a consultant at a UK hospital, who is accepted by Legal & General’s Medical Officer, and whose specialism is appropriate to the cause of the claim.

Children under the age of 18, or 21 and in full time education, are also covered for the specified conditions at no extra cost,  except where the child's condition is present at birth, the symptoms first arise before the child is covered, the child dies within 14 days of meeting the definition of the critical illness, or Total and Permanent disability. Terms and conditions apply; please see the Key Features Document for further details.

This product is not suitable for everyone. If you have any doubt whether it is suitable for you, you should obtain expert advice.