Can a claim be made right away with critical illness cover?

I’ve recently been ill and it’s made me wonder if i should take out an insurance to pay off my mortgage should i suffer from a serious illness. One that i’m looking at is critical illness. Is there an excess period for this type of cover before i could make a claim?

Question asked by Gemma Stone
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Michael Englefield

This is a good question, one of which we do come across regularly. With your other insurances, typically, there are certain waiting periods before a claim can be made.

You can make a claim as soon as the policy is live

With Critical Illness Insurance specifically, there are no waiting periods or ‘qualifying periods’- you can claim as soon as your policy has been underwritten and you have been notified that your policy is live.

How setting up a policy works

The steps of setting up a policy are very simple. You will have to run through an application form with an adviser to let the insurer know about the risk they are about to take on. Generally, if the insurer is happy to take on that risk you will get a decision right away. If you are notified the policy is live then you are covered right away.

How Drewberry can help if you need to make a claim

In terms of a claim; here at Drewberry as part of a Customer journey, we understand that at a claims stage this can be a stressful time. This is why at a point in claim; we provide support when dealing with the claims process. We always encourage our clients to contact us first if they need to make a claim as this often results in a smoother process.

Critical illness insurance
 
excess period
 
claim
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’m 43 years old and looking at taking out critical illness cover. I drive a motorbike to work...
 
I’m a keen cyclist and ride to work and home every day as well as going out on my bike at the weekend....
 
I go Skiing several times per year and wondered if this would be included if i’m to take out a...
 
I’ve recently started a diving course and i’m thinking about potentially making a career...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Matthew Draper
11/07/2018

Excellent service at convenient times of the day specified by me. All product options were clearly outlined and I am very pleased.

Paul Devine
10/07/2018

First class service. Helped me through the process from start to finish. Egle and Francis were very professional and talked me though all my options. Once the policies were set up, the after care after was also first class. Highly recommend. 5 stars all day long.

Josip Marjanovich
03/07/2018

Victoria was very helpful about selection of suitable insurance. She always answered all questions in a timely manner.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.93 / 5 Average
652 Reviews
Verified Buyer
Overall Rating
The whole process was a pleasure. Drewberry we're easy to deal with, polite, knowledgeable and helpful
Verified Buyer
Overall Rating
Very good, clear service would recommend to friends and family
Anon
Overall Rating
Sam Carr provided an efficient and professional service.
Verified Buyer
Overall Rating
Sam Carr provided a professional but enthusiastic service and helped make the whole process very straight forward. Goodness knows I have been through enough application forms recently. My insurance product was never going to be easy to find and I had been rejected on a number of other occasions through others ironically due to well managed common health conditions. I identified Drewberry in a last and disappointing trawl on th web to find someone that actually wanted to take on a difficult case like me. Some brokers wouldn't even consider me. When we applied for my first choice product Sam wasn't at all deterred by the long wait for my GP report or the final rejection that came back from the insurer, sadly I have become used to it. Within a day he had lined up the second choice and to my surprise he had hit the nail on the head and introduced me to the correct insurer and terms for my needs whilst nogotiating an excellent premium. I am extremely satisfied with what Sam has achieved for me and I would have no hesitation in recommending either him or Drewberry to friends, family and and business contacts. In the future, Drewberry will be my first point of contact. Many thanks!
Kym
Overall Rating
Tailored to my need and the staff gave very good service