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
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Income Required
per
month
Date of Birth

Answered by Jeremy Cornford

How the 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 skeletal issues (back/spine/neck), so insurers will generally exclude this from the policy, if you`ve had this in the last 5 yrs.

How long ago you had a medical condition might be relevant

However, if the medical issue was over 5 yrs ago, you stand a good chance of being covered for a future claim or 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 exclude your foot for a future claim either.

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 yrs time, 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, as to the likely result of a previous issue.

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.

income protection
 
pre-existing medical condition
 
exclusion
 
medical review
 
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 Income Protection Insurance Questions

 
I was looking on the internet for permanent health insurance and keep coming across income protection...
 
I am looking for income protection insurance but I’ve noticed that these policies only cover accident...
 
What is the minimum deferred period I can have with sickness insurance? I really need it to pay our from...
 
I am looking to take out a payment protection plan or short-term income protection policy and wanted...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1398 Reviews
A
Overall Rating
Very supportive and helped to choose effective product.
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.