Whether you can get critical illness cover with a pre-existing medical condition depends on several factors, including:
– The severity and nature of your condition: Some insurers may be more willing to cover you if your condition is well-managed and controlled.
– How long you’ve had the condition: If you’ve been stable and symptom-free for a certain period, your chances of getting cover may be higher.
– The specific policy you’re applying for: Different insurers have different underwriting guidelines, so it’s important to shop around and compare policies.
Here are some general possibilities:
– Full cover: You may be able to get full cover with no exclusions or increased premiums, especially if your condition is minor and well-controlled.
– Cover with exclusions: The insurer may exclude your pre-existing condition from coverage, meaning you wouldn’t be able to make a claim if your illness was related to that condition. However, you would still be covered for other covered critical illnesses.
– Increased premiums: The insurer may agree to cover you but charge you a higher premium to reflect the increased risk.
It’s important to be honest and upfront about your medical history when applying for critical illness cover. Failing to disclose a pre-existing condition could void your policy and prevent you from making a claim in the future.