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

 
What’s the difference between critical illness and terminal illness? I’m looking at protecting...
 
I’m 43 years old and looking at taking out critical illness cover. I drive a motorbike to work...
 
I’m going to get critical illness cover but one thing that I would like more information on Total...
 
We’ve just had our first child and i’m looking at taking out critical illness cover in case...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.