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
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 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

 
I go Skiing several times per year and wondered if this would be included if i’m to take out a...
 
I’m going to get critical illness cover but one thing that I would like more information on Total...
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
I have been a smoker since my late teens, I have now just turned 30 and am getting my first mortgage....
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