Can I get critical illness cover if I have a medical condition?

When you have a medical condition, it can feel as though lots of aspects in your life become more difficult. One of these areas can be when trying to find a financial policy. You may find that your premiums are higher when looking for life insurance and critical illness cover.

At The Insurance Surgery we are specialists in finding people who have medical conditions the life insurance and critical illness cover that they deserve. We search the full market on your behalf to find the best policy, taking into consideration your condition. We can then find the best price for your circumstances.

Our expert team are incredibly knowledgeable in life insurance policies and premiums, especially if you have a pre-existing medical condition. No matter what your personal circumstance they will find your perfect plan.

You may be looking for life insurance and critical illness cover for a number of reasons. You may have just purchased your first home. Perhaps you have just started your own family and want that extra cover for if the worst may happen. Protecting your family and your home is your number one priority.

In this blog post we will go through the reasons why you may want to take out a critical illness cover policy alongside your life insurance policy. We then run through a full list of medical conditions for you to see if you can get critical illness cover.

Just because you have a pre-existing medical condition, does not mean that it is impossible to get Critical Illness Cover.

What is Critical Illness Cover?

Critical illness insurance pays out a lump sum of money which is tax-free if you fall ill or are injured.

Illness or an accident can strike at any time, often unexpectedly. It can lead to families facing financial worries if the person becomes too injured or ill to work.

It is not essential to have, but can really help you out if you were to need it.

Critical illness cover is designed to protect you and your family should the worst happen, giving you that extra peace of mind. It can be used to pay off any outstanding debts, cover loss of earnings, pay your rent or mortgage payments or keep on top of the monthly bills.

The Insurance Surgery can search the market on your behalf and find a Critical Illness policy if something was to happen to you.

The lump sum payout can be used however you wish. People who have a critical illness cover policy and receive the pay out find they do not have to change many aspects of their lifestyle due to the cash sum. It can be a lifeline when you need it the most without suffering from any financial impact.

How Much Does Critical Illness Cover Cost?

The cost of Critical Illness Cover will vary depending on a number of factors. This is whether you have a pre-existing medical condition or not.

Your lifestyle and circumstances play a big part in how much your life insurance or critical illness cover.

At The Insurance Surgery, we take your circumstances into consideration when looking for a new policy for you and your family. When you apply for a critical illness policy through us, we will ask a series of questions to ensure we have enough details to get accurate quotes from insurance providers. These will include the following:

● Age
● Current Health
● Your Weight
● Medical History
● Family History
● Smoker Status
● Sum Assured / Term
● The Amount Of Cover You Want To Take Out
● Job

Sometimes you will be asked about your occupation because some carry a higher risk than others. This may mean that you are asked to pay a higher premium each month compared to someone with an office job.

To reduce the cost of your critical illness cover, you may want to look at some aspects of your lifestyle. This can include reducing your BMI or quitting smoking.

A lot of people decide to add critical illness cover when they take out a Life Insurance policy. Monthly premiums can vary for both, so it’s worth checking what your insurance covers to make sure the payments are affordable.

Critical Illness Cover with a Medical Condition

If you do have a pre-existing medical condition, you may think that critical illness cover is out of reach. However, this may not be the issue. We have created a handy guide so you can see at a glance whether it will be possible to obtain:

Condition	Can I get Critical Illness Cover?
Addison’s Disease	The chances are likely, however there may be some exclusions.
Alcoholism	May be hard to get critical illness cover, but if it is available, exclusions are likely to apply.
Angioedema	Difficult to get Critical Illness Cover.
Ankylosing Spondilitis	It is possible however it would depend on the severity of your condition.
Angina	May be hard to get Critical Illness Cover.
Anorexia	It is possible to obtain Critical illness Cover, however it would depend on the severity.
Arthritis	It is possible to get critical illness cover but dependent on the severity of your arthritis.
Asthma	Probably but with exclusions if your asthma is severe.
Anxiety	Likely, however exclusions may apply.
Atrial Fibrillation	Hard to get covered for critical illness.
Autoimune Disorders	Difficult to get cover with autoimmune disorder.
Barretts Oesophagus	Probably but most likely exclusions will apply.
Basal-cell carcinoma	It is possible but depends on severity. There may be possible skin cancer exclusions.
Bells Palsy	Excusions will apply but it is possible to get cover.
Bipolar	Possible but likely to have exclusions to your policy.
Bradycardia	It is possible to get cover, but it may depend on the severity of your condition.
Breast Cancer	Possible to get critical illness cover but exclusions are likely.
Brittle Bone Disorder	It is possible to obtain Critical illness Cover, however it would depend on the severity.
Bulimia	Possible but there may be exclusions.
Cancer	Possible for some cancers but most likely exclusions applied to the policy.
Cerebal Palsy	Cover is possible but there may be exclusions.
Cervical Spondylosis	Depending on the severity, it is possible to get critical illness cover.
Chronic Fatigue Syndrome	Exclusions may apply, but it is possible to get cover.
Coarctation of the Aorta	It is possible however there may be exclusions.
Coeliac Disease	You should be able to get Critical Illness Cover.
Colitis	You should be able to get cover, but exclusions will apply.
Coronary Angioplasty	Difficult to get full Critical Illness Cover but we may be able to look at an exclusionary policy.
Crohns	Depending on the severity of the condition/ medication, it is possible to get critical illness cover but exclusions may apply.
Deafness	It is possible to get critical illness cover but there will be exclusions on your policy.
Depression	Depending on the severity, it may be possible but with mental health exclusions.
Dermatomyositis	With exclusions, it should be possible to find you critical illness cover.
Diabetes	Depending on the type of diabetes, we can help you find the cover you need.
Diabetes Type 1	Unfortunately, it is not possible to get critical illness cover when you have Type 1 Diabetes.
Diabetes Type 2	It is possible to get critical illness cover however it is difficult at the minute with Covid restrictions.
Drug Abuse	It is possible to get cover but it would depend on the drug taken, and how long since you last used.
Dystonia	There may be exclusions to your policy but it is possible to get cover with dystonia, although difficult.
Endometriosis	In most cases, critical illness cover is possible.
Epilepsy	There may be exclusions but it is possible to get critical illness cover.
Fatty Liver Disease	Depending on the severity it is possible.
Fibromyalgia	It is possible to get cover depending on the severity of your fibromyalgia.
Gastric Bypass	Depending on the severity of your condition, it is possible to get cover.
Gestational Diabetes	If you are not pregnant and have had no issues, it should be possible to get critical illness cover.
Gout	As long as your symptoms are not too severe, it should be possible to get cover.
Graves Disease	It is possible but there may be exclusions.
Haemochromotosis	Possible to get cover however there may be exclusions.
Haemophilia	There may be exclusions but it is possible to get critical illness cover.
Heart Attack	Unfortunately, it is not possible to get critical illness cover.
Heart Conditions	It is generally hard to get critical illness cover with a heart condition, but it depends on the condition.
Heart Disease	It does depend on the condition, but it is generally hard to get cover.
Hepatitis A	It is possible to get critical illness cover if you are fully recovered.
Hepatitis B	It is possible, however it depends on how hepatitis B was caught and any residual symptoms that may have been left.
Hepatitis C	Depending on the severity, it is possible to get critical illness cover.
Hepatitis	It depends on which type, however it could be possible to get cover.
High Blood Pressure	Possible to get critical illness cover depending on the severity of your condition.
High BMI	Depending on how high your BMI is, it may be possible to get critical illness cover.
High Cholesterol	Depending on the severity of the condition, it could be possible to get cover.
Hirschsprung’s Disease	It is possible to get cover if you are fully recovered but it is difficult if not.
HIV	Unfortunately it is not possible to get critical illness cover if you have HIV.
Hodgkin Lymphoma	It is difficult if you have a high stage however possible if you have been cured.
Hughes Syndrome	Difficult to get full Critical Illness Cover but we may be able to look at an exclusionary policy.
Huntington’s Disease	It can be difficult to get cover however it is possible. We can search the market for you.
Hyperhidrosis	It is possible to get cover if you have no other conditions.
Hypermobility Syndrome	It is possible to get critical illness cover. We can help you find the best cover for your individual circumstances.
Hypertrophic Cardiomyopathy	Unfortunately it is not possible to get critical illness cover with your condition.
IBS	It is possible to get cover as long as your condition is not severe.
Iron Deficiency Anaemia	It could be possible to get cover. We can find you the best policy.
Kidney Cancer	It is possible to get cover however there will be exclusions.
Kidney Disease	It is hard to get critical illness cover with kidney disease.
Kidney Stones	Depending on the severity, it is possible to get critical illness cover.
Kidney Transplant	Unfortunately, it is not possible to get critical illness cover after a kidney transplant.
Labyrinthitis	It should be possible to get critical illness cover.
Leukaemia	It is possible to get cover however there may be some exclusions.
Long QT Syndrome	Unfortunately it is not possible to get critical illness cover with your condition.
Lupus	Depending on the severity, it is possible to get cover.
Marfan Syndrome	Unfortunately it is not possible to get critical illness cover with your condition, but we may be able to look at an exclusionary policy.
Medical Conditions	If you have a medical condition, it could be possible to get cover. Speak to one of our advisors for more in depth knowledge and help.
Ménière’s Disease	It is possible to get cover if this is your only condition.
Mental Health Disorders	Depends on the severity of your mental health disorder but there will probably be exclusions.
Mental Health	Depending on the severity, it is possible to get cover however there may be exclusions to your policy.
Metabolic Syndrome	Unfortunately it is difficult to get full critical illness cover with your condition, but we may be able to look at an exclusionary policy.
Migraine	It is possible to get cover if this is your only condition.
Motor Neurone Disease	Unfortunately it is not possible to get critical illness cover with Motor Neurone Disease.
Multiple Sclerosis	Critical illness cover can only be taken out through Vitality and the policy will be loaded.
Musculoskeletal Disorders	It is possible to get cover but there will be exclusions to your policy.
Neurofibromatosis – Type 1	Depending on the severity, it should be possible to get critical illness cover.
Neurofibromatosis – Type 2	Possible to get cover depending on the severity.
Neurological Disorders	It would all depend on your specific condition.
Non-Hodgkin Lymphoma	It is possible to get cover however there will be exclusions.
Obesity	Depending on your BMI, it is possible however most providers have weight limits.
Osteoarthritis	It is possible to get Critical Illness Cover but exclusions may apply.
Ovarian Cancer	Possible to get cover but most likely with exclusions.
Overactive Thyroid	Possible to get cover with an overactive thyroid, but there maybe exclusions.
Panic Disorder	There may be exclusions to the policy but it is possible to get cover.
Paralysis	Most likely exclusions on the policy, but it is possible.
Parkinson’s	There will most likely be exclusions to the policy, but it is possible to get cover for Parkinson’s.
Polycystic Kidney Disease (PKD)	Unfortunately it is not possible to get critical illness cover.
Polycystic Ovary Syndrome	There may be exclusions, but it is possible to get cover.
Polymyalgia Rheumatica	With exclusions it is possible to get critical illness cover.
Polymyositis	Depending on the severity of your condition, it is possible to get cover.
Post Traumatic Stress Disorder (PTSD)	Depending on the severity of your PTSD, it is possible.
Pre-diabetes	There may be exclusions, but it is possible.
Prostate Cancer	It is possible to get critical illness cover, but there may be some exclusions.
Pseudoxanthoma Elasticum	It is possible to take out cover, depending on the severity of your condition.
Psoriatic Arthritis	It is possible to get cover but there maybe exclusions applied to your policy.
Pulmonary Embolism	Possible to get critical illness cover.
Retinitis Pigmentosa	Possible but exclusions will apply.
Rheumatoid Arthritis	It is possible to get cover with exclusions applied.
Right Bundle Branch Block	It tends to be difficult to get critical illness cover with right bundle branch block.
Sarcoma	It is possible with sarcoma, but there may be exclusions.
Schizophrenia	It is hard to get critical illness cover with schizophrenia and exclusions would apply.
Sickle Cell Anaemia Trait	It is possible to get critical illness cover, but there may be exclusions.
Sickle Cell Anaemia	It can be hard to get cover with sickle cell anaemia.
Skin Cancer	It is possible to get critical illness cover but exclusions will apply.
Stickler Syndrome	People with stickler syndrome can get cover but with exclusions.
Stress	You can get critical illness cover but some exclusions may be needed.
Stroke	Critical illness cover can be taken out, but stroke will be excluded from your policy.
Supraventricular Tachycardia	Possible with exclusions to the policy.
Tachycardia	You can get critical illness cover with exclusions.
Testicular Cancer	It is possible to get cover but exclusions will apply.
Tetralogy of Fallot	Unfortunately it is difficult to get full critical illness cover with your condition, but we may be able to look at an exclusionary policy.
Thalassaemia	It is hard to get critical illness cover with thalassaemia.
Thrombosis	There may be exclusions but it is possible to get cover.
Thyroid Cancer	Possible to get critical illness cover with exclusions.
Thyroid Conditions	People with thyroid conditions can get cover but exclusions will apply.
TIA	Possible to get cover but there will be most likely exclusions.
Tinnitus	It is possible to take out critical illness cover with tinnitus.
Transgender	If no surgery is planned, it is possible to get full critical illness cover.
Turner Syndrome	Depending on the severity of your turner syndrome, it is possible to get cover.
Ulcerative Colitis	It is possible to get cover with exclusions applied.
Underactive Thyroid	It is possible, however exclusions would be applied to the policy.
Underweight	Depending on the nature of the condition, it can be possible to get critical illness cover.
Urinary Tract Infection (UTI)	It is possible to get cover but there will be exclusions to your policy.
Viral Hepatitis	Depending on the severity, it should be possible to get critical illness cover.
Vitamin B12 Anaemia or Folate Anaemia	With exclusions it is possible to get cover.
Vitiligo	It is possible to get critical illness cover with vitiligo.
Von Willebrand Disease	There may be exclusions to the policy but it is possible.

 
If you want to know more about Critical Illness Cover, contact us today on 0800 083 2829 or fill in our online quote form. A member of our expert team will get back to you.