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
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth

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.

 

Speak to an expert

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 help@drewberry.co.uk and we will be in touch.

critical illness insurance
 
exclusion period
 
medical condition
 
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

 
Is it true that you need to have life insurance before you can get critical illness? I’ve got life...
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
I’ve recently been ill and it’s made me wonder if i should take out an insurance to pay off...
 
What’s the difference between the two types of insurance? I’m looking to be able to pay my...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Elizabeth Owen
10/10/2017

Sam was knowledgeable and attentive and spent a long time explaining and working out what Income Protection insurance would be best for me.

Adam Doree
04/10/2017

I researched Drewberry to make sure they would be likely to add value to the confusing process of finding suitable insurance – and they delivered completely; I was very impressed and feel like they added real value in terms of consultation and guidance. Would recommend without hesitation.

Jonathan Moss
04/10/2017

Will is fantastic went through everything in detail really helpful and ultimately ensured that I went with the best product for my circumstances. Thanks!

We are rated 4.9/5 based on 1129 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1,263 Reviews
Anonymous
Overall Rating
SAM Carr was exceptional, he made my life very easy by explaining all the details very clearly whilst giving me the best advice possible for myself.

Would recommend to a friend!
Anonymous
Overall Rating
Provided the advice & guidance that I needed
M
Overall Rating
The overall experience which I have had can be summarized by Professional, Swift and friendly. I would recommend the service to others.
D
Overall Rating
Extremely helpful and rapid service at short notice.
A
Overall Rating
Very clear explanations of the options and then efficiently processed the transaction