Can Critical Illness Insurance cover pre-existing conditions?

I’ve had a couple of medical conditions in the past and was wondering if I could still be eligible for critical illness cover and if so, would these be excluded if I were to make a claim?

Question asked by Paul James

Critical Illness insurance and pre-existing medical conditions

If you have any pre-existing medical conditions, this means you may or may not get cover (at all or just for that particular condition). Alternatively, there may be an increase on the premium due to the increased health risk.

For example, if you have had mental health issues in the past, this may mean there will be an exclusion on the Total and Permanent Disability (TPD) element of the critical Illness policy.

However, this should not have an impact on the key illnesses which Critical Illness Insurance covers, such as various types of cancers.

Different insurers vary in the way they look at a pre-existing condition. For this reason is it very difficult to determine what will be covered as it highly depends on your past medical history.

Get in contact

Every application for Critical Illness Insurance is unique. As such, it’s definitely worth contacting us if you have any pre-existing conditions to determine what the likely decision from the insurer would be and find out how any pre-existing conditions could affect your policy.

We can contact all leading critical illness insurers on your behalf and let you know – we’re available on 02084327333.



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