Can You Get Critical Illness Cover With Pre-existing Condition?

One of the burning questions that many have about critical illness cover is whether you can get this type of insurance with a pre-existing condition. We’re answering this exact question for you in this quick guide.

If you have a pre-existing condition, you’re very unlikely to get cover for it. However, this doesn’t mean you can’t get critical illness insurance full stop. It just means you will only be able to get a payout for a condition that is completely unrelated to your current condition.

But this is not a one-size-fits-all approach as it can depend on how invasive or severe the illness is.

Can I get critical illness cover after suffering from cancer?

It could be easy to envision this as a grey area – you have a historical condition rather than an existing one – could this impact your chances of securing critical illness insurance?

Even if you are in complete remission, you may still struggle to find critical illness cover for cancer. It’s not impossible though. it’s recommended that you speak to an insurance broker to take the headache out of finding critical illness cover under these circumstances.

You should expect to pay higher premiums and it’s not guaranteed that you will get insurance for a specific condition, but an insurance broker can try their best to match you with a suitable policy and provider.

Often, your chances depend on the type of cancer, its severity and the date of your last symptoms.

Speak to Agentis today

Speak to Agentis today to book your free initial consultation. To assist with your journey to securing critical illness insurance, we’ve partnered with lots of insurers to help match you with a policy that works for you. Even if you can’t get cover for a specific illness due to historic or existing medical conditions, we’ll make sure you’re sufficiently covered for other conditions.