Does critical illness insurance cover skiing?

I go Skiing several times per year and wondered if this would be included if i’m to take out a Critical Illness policy?

Question asked by Colin Smith
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Answered by Jeremy Cornford

Cover depends on the type of Skiing you do

Generally, yes. If you ski recreationally on holiday for example, then that`s usually fine. If something very serious happened to you while skiing, that met the specific definition of one of the critical illnesses covered by your insurer, then you would be eligible for a claim.

Assuming your cover has been set up correctly, then you could be covered for one of the critical illnesses on the insurer`s lists called total permanent disablement, for example. This is if the injury you suffered was severe enough to leave you unable to perform your normal occupation on a permanent basis.

The exception to this with most insurers is if you were skiing off-piste for example or you competed in skiing competitions as a sport, then you would be excluded from any future claim, if an injury arose from that. This is because it is seen as much more dangerous by the insurers and therefore likely to result in increased claims as a whole, from their clients.

The importance of speaking to an expert

As not all critical illness insurers apply the same terms, it’s best to speak to an adviser who can find out for you which insurers are likely to cover your degree of skiing.

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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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