Does critical illness cover have an initial exclusion period?

I’m thinking about taking our Critical Illness insurance for some time and have just taking our Income Protection. I was wondering if Critical Illness has a similar set up and I have to wait a period of time before i can make a claim?

Question asked by Rama Mallick
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Answered by Nabil Butrous

How Critical Illness policies works

Critical Illness policies are not like unemployment insurance where there is an initial exclusion period; they are also not like accident and sickness policies where there is an initial waiting period before you can claim.

Once an application has been submitted and the insurers have accepted the risk after they have considered your health and lifestyle information, then you would be covered straight away with NO initial exclusion period.

Therefore if you were very unlucky and you were to suffer a critical illness that met one of the illnesses covered in your policy then you would be entitled to a payout.

The main caveat to be aware of is that at claim stage the insurer is likely to request information from your doctor to:-

1) ensure that your condition meets one of the critical illness conditions covered in the policy terms and

2) if the claim is made very soon after taking out to cover to ensure it wasn’t a pre-existing medical condition that wasn’t disclosed when applying for cover.


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If you would like to discuss Critical Illness insurance or have any further questions we are here to help and offer a fee free service, give us a call on 01273 646 484 or send an email to and we will be in touch.

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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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