Can Income Protection Cover Pre-Existing Conditions?

I’m looking at Income Protection insurance and was wondering if my past medical history will be used to determined if i can get cover?

Question asked by Russell Scott
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Answered by Robert Harvey

How Insurers View Pre-Existing Medical Conditions

Generally, any significant pre-existing conditions will be excluded from your Income Protection policy for any future claim. The two main issues for claims with insurers on this type of policy are mental illness (stress, depression, anxiety) and musculoskeletal issues (back / spine / neck), so insurers will generally exclude this from the policy if you`ve had this in the last 5 years.

rob harvey

Those looking for Income Protection Insurance with pre-existing medical conditions may find significant variation among insurers on how the condition is underwritten and what terms are offered. Having a qualified adviser research the market in this situation can be invaluable and will save many hours of work for the applicant, and ensure the best cover is arranged.

Rob Harvey, Cert CII
Independent Protection Expert at Drewberry

How long ago you had a medical condition might be relevant

However, if the medical issue was over 5 years ago, you stand a good chance of being covered for a future claim, especially if the medical issue was relatively mild in nature, i.e. you broke a bone in your foot a couple of years ago but you recovered from that with no lasting complications, then they wouldn’t typically exclude your foot for a future claim.

A provider that offers a review system might be of benefit

Some insurers offer a review system, where they will look to consider removing an exclusion in a given time, say in 1 or 2 years, if the issue does not re-occur. The best option for you is to speak to us and we can glean a strong indication from the insurers for you before you apply.

What happens if you’re currently awaiting test results back

If you are currently awaiting tests for a medical issue, then the insurers will postpone offering cover until the result of those tests and any follow-up are concluded.

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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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