Can Critical Illness Insurance Cover Pre-Existing Conditions?

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.

Where exclusions are specific and defined at the outset of the policy such an exclusion for TPB should not have an impact on the key illnesses which Critical Illness Insurance covers, such as various types of cancers, heart attacks and strokes.

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.

Every application for Critical Illness Insurance is unique and different insurers have different appetites for risk. As such, it’s worth popping our us a call if you have any pre-existing conditions so you can speak to one of our specialist advisers. They will be able to determine what the likely decision from the insurer would be and find out how any pre-existing conditions could affect your policy.

Need Help?

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to talk to us.

• There is no fee for our service
• We are independent and impartial
  Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
• We’ve got bargaining power on our side
  This allows us to negotiate better premiums for you than you going direct yourself.
• Benefit from our 5-star service
  We pride ourselves on providing a 5-star service, as can be seen from our 4127 and growing independent client reviews rating us at 4.92 / 5.