What should I do if I’ve been declined critical illness cover?

I’ve recently been declined critical illness insurance by an insurance company i have dealt with before for other insurances. I would really like this as we’ve just taken out a bigger mortgage. Is there anything I can do and should I contact another provider?

Question asked by Neil James
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: 0208 432 7333
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 Sam Carr

If you have unfortunately been declined for critical illness cover, first you would need to find out as much information as possible as to why you have been declined and for what medical or lifestyle reason.

You should give all of the information to your adviser so they can speak to all insurers with pre sales medical underwriting queries before applying to ensure you can apply with the insurer that will offer the best terms and for the best premium.

If the insurer you were applying with had asked your GP to see a report you should try to obtain that report so you can give that information to your adviser so they can obtain the most accurate indication of terms. This will save you a lot of time and effort in applying with insurers that potentially may decline, offer special terms or increase the premiums due to your health or lifestyle.

It is often the case that one insurer may decline a critical illness application whereas another could offer cover, with or without an exclusion or premium increase.

An adviser will be able to help you find out which insurer looks like the best bet for a new application.

critical illness
 
declined cover
 
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

 
My husband and I have just purchased our first home together and we are looking for critical illness...
 
I’m looking at taking out critical illness cover and wanted to double check that i could be covered...
 
I’m a keen cyclist and ride to work and home every day as well as going out on my bike at the weekend....
 
I’ve recently been declined critical illness insurance by an insurance company i have dealt with...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Andrew Giles
10/04/2018

From start to finish a very professional and courteous outfit. A very efficient company with a no nonsense approach. Would recommend.

Mark Burbidge
13/04/2018

First class service from start to finish. Sam Carr was very helpful in setting up my new insurance policies. He kept me up to date throughout the process and provided full explanation and advice on the products and was always available to help.

Doug Muirhead
10/04/2018

Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1548 Reviews
R Steer
Overall Rating
Josh, Nick & Sam helped me set up PHI & Life insurance when I set up my own company. The application process wasn't straight forward due to my medical history, but the team made everything as simple as possible.
C Ash
Overall Rating
I have not started my health cover yet, bus so far the introduction has been very efficient and speedy.
G White
Overall Rating
Clear and concise information
D Muirhead
Overall Rating
Excellent personal service from Matthew Giles, made sure we received a tailor made quote that ideally suited our requirements as a family
S Walker
Overall Rating
Great service, independent advice, not pushy and very consultative. I would have no hesitation in recommending.