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 – should I contact another provider?

Question asked by Neil James

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 an independent adviser so they can speak to all insurers with pre sales medical underwriting queries before applying.

This will allow an adviser to apply with the insurer that will offer the best terms and for the best premium.

At Drewberry we look across the entire UK market, so we may be able to find cover with an insurer which may not have been considered under a previous search by a restricted adviser.

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.

This allows the adviser to obtain the most accurate indication of terms and 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 – call us today on 02084327333.

Very good service from Rauri – he has been very helpful and thorough.

Kathryn Wright
16/05/2021
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