Does Critical Illness Cover Have an Initial Exclusion Period?

I’m thinking about taking our Critical Illness Insurance and have just taken out Income Protection. I was wondering if Critical Illness Cover has a similar set up and do I have to wait a period of time before I can make a claim?

Question asked by Rama Mallick

How Critical Illness Insurance Policies Work

Critical Illness policies are not like unemployment insurance where there is an initial exclusion period.

They are also not like Accident & Sickness Insurance 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, you are 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 straight after taking out this insurance, then you would be entitled to a payout.

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

  • Ensure that your condition meets one of the critical illness conditions covered in the policy terms
  • 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. Give us a call on 02084327333 or send an email to

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