Can I Get Critical Illness Cover With a Family History of Cancer?

I’m looking to take out critical illness insurance to pay off my mortgage if i should fall ill. My family have a history of cancer, will i still be able to get this insurance?

Question asked by Thomas Jackson
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 Andrew Jenkinson

Does a Family History of Cancer Mean I Can’t Get Insurance?

The short answer to this question is no – a family history of cancer will not necessarily prevent you from being accepted for Critical Illness Insurance policy.

Can you get critical illness insurance with a family history of cancer?

However, while getting Critical Illness Cover with a family history of cancer is possible, policies differ in which illnesses they cover should you be accepted.

For instance, not all cancers are covered by every Critical Illness policy, and less severe stages of the disease also may not be covered. Overall, each insurer is unique by how they assess your individual risk and how they will price your policy.

Find an insurer who covers cancer

It is safe to say that all ‘critical illness’ policies cover multiple cancers (depending on the severity), but not all. With a family history of cancer, it would be logical to try and find an insurer who would also cover you if you were also to suffer cancer in the future.

Insurers would consider a number of factors before making their decision, such as:

  • Which family member(s) have had cancer?
  • What type of cancer were they diagnosed with?
  • How old were they when diagnosed?
  • Is the cancer hereditary?

All of these factors help the insurer build a picture of the risk that you bring to a ‘critical illness policy’.

How speaking with a insurance expert can help

It’s best to get expert Critical Illness Insurance advice, as your adviser will be able to point you in the direction of the most comprehensive policy that covers the highest number of conditions with the broadest definitions of illnesses covered.

Critical illness insurance cancer

What we can do for you is pre-empt these questions and then speak directly to the person who is going to underwrite your policy at each insurer.

This will give us a good indication of which insurer is going to be most favourable to you.

Possible outcomes would be:

  • All cancers (as well as other critical illnesses) are covered
  • Exclusion to the particular type of cancer your family has been diagnosed with
  • All cancers are excluded from the policy
  • All cancers are protected, although your premium will be increased to help negate the risk to the insurer

Please get in contact to run through your specific situation

Critical Illness Insurance
 
Cancer
 
Medical History
 
Pre-existing Coditions
 
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 looking to take out critical illness insurance to pay off my mortgage if i should fall ill....
 
We’ve just had our first child and i’m looking at taking out critical illness cover in case...
 
I’m currently researching insurances to cover me should i fall too ill to work, which is best personal...
 
I already have life insurance for my mortgage which as been in place for over 5 years. I now have a child...
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