Royal London has updated its CI plan, adding ten new definitions (three main, six additional and one enhanced child CI) and enhancing eight existing ones (five main and three additional). The insurer says it has focused on enhancing the cancer, heart, MS and enhanced child CI definitions.
Three new main definitions have been added:
* Cauda equine.
* Heart failure.
* Peripheral vascular disease.
In addition, the five changes to existing main definitions are on:
* Cardiomyopathy (a change to title from primary cardiomyopathy and also wording changes).
* Multiple sclerosis.
* Parkinson’s disease.
* Pulmonary artery graft surgery.
* Structural heart surgery (a change of title from open heart surgery and also wording changes).
On additional definitions, six new definitions have been added:
* Aortic aneurysm.
* Carcinoma in situ of the larynx.
* Carcinoma in situ of the renal pelvis or ureter.
* Gastro-intestinal stromal tumour (GIST) or neuroendocrine tumour (NET) of low malignant potential.
* Heartbeat abnormalities.
* Ovarian tumour of borderline malignancy/low malignant potential.
Plus changes have been made to three existing additional definitions:
* Carcinoma in situ of the testicle.
* Coronary angioplasty.
* Low grade prostate cancer.
On child specific (enhanced child CI) cover, one new child specific definition has been added. That is surgical repair of an atrial or ventricular septal defect.
In total, the plan now covers for adults:
* 47 full definitions (TPD is also available as an option).
* 20 additional definitions.
While enhanced child critical illness cover includes:
* 47 full definitions plus child TPD definition
* 21 additional definitions.
* 13 child-specific definitions.