Most conditions are covered by critical illness cover; however there may be a few exceptions which could void your insurance claim. Conditions which have already been diagnosed or identified prior to taking out the plan will not be covered by the insurance policy; these are commonly known as pre-existing health conditions. Children that are covered by insurance plans will not be able to claim for treatment relating to conditions they have had from birth in the vast majority of cases. Other exclusions may also include unnecessary operations and illnesses or chronic conditions that arise as a result of poor individual lifestyle choices (also known as self-inflicted injuries), such as long-term drug abuse or heavy drinking.
Critical Illness
How do I make a claim for critical illness cover?
How much does critical illness cover cost?
Which illnesses are covered with critical illness cover?
Will I need a medical for for critical illness cover?
What is not covered by critical illness cover?
How do I decide which critical illness plan to go for?
Will I have to pay tax on my insurance payout?
Can I apply for critical illness cover if I’m unemployed?