Royal London has made changes to its critical illness cover (CIC).
Customers will now be able to choose whether to include Total Permanent Disability (TPD) on their CIC policy and those who choose not to will benefit from a premium discount providing better value for money.
Three new full payment definitions have also been added, including a benign spinal cord tumour and brain injury due to anoxia or hypoxia.
Toby Bainbridge, reinsurance manager at Royal London, said: “Making total permanent disability optional provides customers with more flexibility and ensures cover can be better tailored to their needs.
“The new and upgraded definitions provide better outcomes for customers and enable us to pay more claims.”
Emma Thomson, life office relationship director at LifeSearch, added: “These changes are to be welcomed; expanding coverage will help more people claim, and making TPD optional provides clients with flexibility to choose what’s best for them. Good news for consumers!”
The definition for angioplasty with specified treatment which is an existing definition has been upgraded, and the changes will go live on Monday 16 October.