Do insurers payout critical illness claims?

I’m considering critical illness cover but do insurers actually pay claims? I’m a bit worried about taking out cover and it not paying out.

Question asked by Paul Birch
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Answered by Tom Conner

Firstly, the majority of critical illness claims are paid. Most insurers’ payout rates are over 90% of all claims made. You can use our claims payment tool to see each individual insurer’s payout rate.

Those which are turned down are mostly because of non-disclosure. This is why it is vital to provide full details of your medical history – including any visits to your GP. You cannot provide too much detail – in fact it is better to do this than risk having a claim rejected.

At Drewberry, we spend as much as you need providing details on medical issues and have a dedicated client support team to take you through the application. Provided you disclose all the relevant information and if necessary, a GP report is supplied, you should not be concerned about a valid claim being rejected.

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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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