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
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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.

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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.
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Neil
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