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Critical Illness Cover & Medical Conditions

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:

ConditionCan I get Critical Illness Cover?
Addison’s DiseaseThe chances are likely, however there may be some exclusions.
AlcoholismMay be hard to get critical illness cover, but if it is available, exclusions are likely to apply.
AngioedemaDifficult to get Critical Illness Cover.
Ankylosing SpondilitisIt is possible however it would depend on the severity of your condition.
AnginaMay be hard to get Critical Illness Cover.
AnorexiaIt is possible to obtain Critical illness Cover, however it would depend on the severity.
ArthritisIt is possible to get critical illness cover but dependent on the severity of your arthritis.
AsthmaProbably but with exclusions if your asthma is severe.
AnxietyLikely, however exclusions may apply.
Atrial FibrillationHard to get covered for critical illness.
Autoimune DisordersDifficult to get cover with autoimmune disorder.
Barretts OesophagusProbably but most likely exclusions will apply.
Basal-cell carcinomaIt is possible but depends on severity. There may be possible skin cancer exclusions.
Bells PalsyExcusions will apply but it is possible to get cover.
BipolarPossible but likely to have exclusions to your policy.
BradycardiaIt is possible to get cover, but it may depend on the severity of your condition.
Breast CancerPossible to get critical illness cover but exclusions are likely.
Brittle Bone DisorderIt is possible to obtain Critical illness Cover, however it would depend on the severity.
BulimiaPossible but there may be exclusions.
CancerPossible for some cancers but most likely exclusions applied to the policy.
Cerebal PalsyCover is possible but there may be exclusions.
Cervical SpondylosisDepending on the severity, it is possible to get critical illness cover.
Chronic Fatigue SyndromeExclusions may apply, but it is possible to get cover.
Coarctation of the AortaIt is possible however there may be exclusions.
Coeliac DiseaseYou should be able to get Critical Illness Cover.
ColitisYou should be able to get cover, but exclusions will apply.
Coronary AngioplastyDifficult to get full Critical Illness Cover but we may be able to look at an exclusionary policy.
CrohnsDepending on the severity of the condition/ medication, it is possible to get critical illness cover but exclusions may apply.
DeafnessIt is possible to get critical illness cover but there will be exclusions on your policy.
DepressionDepending on the severity, it may be possible but with mental health exclusions.
DermatomyositisWith exclusions, it should be possible to find you critical illness cover.
DiabetesDepending on the type of diabetes, we can help you find the cover you need.
Diabetes Type 1Unfortunately, it is not possible to get critical illness cover when you have Type 1 Diabetes.
Diabetes Type 2It is possible to get critical illness cover however it is difficult at the minute with Covid restrictions.
Drug AbuseIt is possible to get cover but it would depend on the drug taken, and how long since you last used.
DystoniaThere may be exclusions to your policy but it is possible to get cover with dystonia, although difficult.
EndometriosisIn most cases, critical illness cover is possible.
EpilepsyThere may be exclusions but it is possible to get critical illness cover.
Fatty Liver DiseaseDepending on the severity it is possible.
FibromyalgiaIt is possible to get cover depending on the severity of your fibromyalgia.
Gastric BypassDepending on the severity of your condition, it is possible to get cover.
Gestational DiabetesIf you are not pregnant and have had no issues, it should be possible to get critical illness cover.
GoutAs long as your symptoms are not too severe, it should be possible to get cover.
Graves DiseaseIt is possible but there may be exclusions.
HaemochromotosisPossible to get cover however there may be exclusions.
HaemophiliaThere may be exclusions but it is possible to get critical illness cover.
Heart AttackUnfortunately, it is not possible to get critical illness cover.
Heart ConditionsIt is generally hard to get critical illness cover with a heart condition, but it depends on the condition.
Heart DiseaseIt does depend on the condition, but it is generally hard to get cover.
Hepatitis AIt is possible to get critical illness cover if you are fully recovered.
Hepatitis BIt is possible, however it depends on how hepatitis B was caught and any residual symptoms that may have been left.
Hepatitis CDepending on the severity, it is possible to get critical illness cover.
HepatitisIt depends on which type, however it could be possible to get cover.
High Blood PressurePossible to get critical illness cover depending on the severity of your condition.
High BMIDepending on how high your BMI is, it may be possible to get critical illness cover.
High CholesterolDepending on the severity of the condition, it could be possible to get cover.
Hirschsprung’s DiseaseIt is possible to get cover if you are fully recovered but it is difficult if not.
HIVUnfortunately it is not possible to get critical illness cover if you have HIV.
Hodgkin LymphomaIt is difficult if you have a high stage however possible if you have been cured.
Hughes SyndromeDifficult to get full Critical Illness Cover but we may be able to look at an exclusionary policy.
Huntington’s DiseaseIt can be difficult to get cover however it is possible. We can search the market for you.
HyperhidrosisIt is possible to get cover if you have no other conditions.
Hypermobility SyndromeIt is possible to get critical illness cover. We can help you find the best cover for your individual circumstances.
Hypertrophic CardiomyopathyUnfortunately it is not possible to get critical illness cover with your condition.
IBSIt is possible to get cover as long as your condition is not severe.
Iron Deficiency AnaemiaIt could be possible to get cover. We can find you the best policy.
Kidney CancerIt is possible to get cover however there will be exclusions.
Kidney DiseaseIt is hard to get critical illness cover with kidney disease.
Kidney StonesDepending on the severity, it is possible to get critical illness cover.
Kidney TransplantUnfortunately, it is not possible to get critical illness cover after a kidney transplant.
LabyrinthitisIt should be possible to get critical illness cover.
LeukaemiaIt is possible to get cover however there may be some exclusions.
Long QT SyndromeUnfortunately it is not possible to get critical illness cover with your condition.
LupusDepending on the severity, it is possible to get cover.
Marfan SyndromeUnfortunately it is not possible to get critical illness cover with your condition, but we may be able to look at an exclusionary policy.
Medical ConditionsIf 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 DiseaseIt is possible to get cover if this is your only condition.
Mental Health DisordersDepends on the severity of your mental health disorder but there will probably be exclusions.
Mental HealthDepending on the severity, it is possible to get cover however there may be exclusions to your policy.
Metabolic SyndromeUnfortunately it is difficult to get full critical illness cover with your condition, but we may be able to look at an exclusionary policy.
MigraineIt is possible to get cover if this is your only condition.
Motor Neurone DiseaseUnfortunately it is not possible to get critical illness cover with Motor Neurone Disease.
Multiple SclerosisCritical illness cover can only be taken out through Vitality and the policy will be loaded.
Musculoskeletal DisordersIt is possible to get cover but there will be exclusions to your policy.
Neurofibromatosis – Type 1Depending on the severity, it should be possible to get critical illness cover.
Neurofibromatosis – Type 2Possible to get cover depending on the severity.
Neurological DisordersIt would all depend on your specific condition.
Non-Hodgkin LymphomaIt is possible to get cover however there will be exclusions.
ObesityDepending on your BMI, it is possible however most providers have weight limits.
OsteoarthritisIt is possible to get Critical Illness Cover but exclusions may apply.
Ovarian CancerPossible to get cover but most likely with exclusions.
Overactive ThyroidPossible to get cover with an overactive thyroid, but there maybe exclusions.
Panic DisorderThere may be exclusions to the policy but it is possible to get cover.
ParalysisMost likely exclusions on the policy, but it is possible.
Parkinson’sThere 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 SyndromeThere may be exclusions, but it is possible to get cover.
Polymyalgia RheumaticaWith exclusions it is possible to get critical illness cover.
PolymyositisDepending 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-diabetesThere may be exclusions, but it is possible.
Prostate CancerIt is possible to get critical illness cover, but there may be some exclusions.
Pseudoxanthoma ElasticumIt is possible to take out cover, depending on the severity of your condition.
Psoriatic ArthritisIt is possible to get cover but there maybe exclusions applied to your policy.
Pulmonary EmbolismPossible to get critical illness cover.
Retinitis PigmentosaPossible but exclusions will apply.
Rheumatoid ArthritisIt is possible to get cover with exclusions applied.
Right Bundle Branch BlockIt tends to be difficult to get critical illness cover with right bundle branch block.
SarcomaIt is possible with sarcoma, but there may be exclusions.
SchizophreniaIt is hard to get critical illness cover with schizophrenia and exclusions would apply.
Sickle Cell Anaemia TraitIt is possible to get critical illness cover, but there may be exclusions.
Sickle Cell AnaemiaIt can be hard to get cover with sickle cell anaemia.
Skin CancerIt is possible to get critical illness cover but exclusions will apply.
Stickler SyndromePeople with stickler syndrome can get cover but with exclusions.
StressYou can get critical illness cover but some exclusions may be needed.
StrokeCritical illness cover can be taken out, but stroke will be excluded from your policy.
Supraventricular TachycardiaPossible with exclusions to the policy.
TachycardiaYou can get critical illness cover with exclusions.
Testicular CancerIt is possible to get cover but exclusions will apply.
Tetralogy of FallotUnfortunately it is difficult to get full critical illness cover with your condition, but we may be able to look at an exclusionary policy.
ThalassaemiaIt is hard to get critical illness cover with thalassaemia.
ThrombosisThere may be exclusions but it is possible to get cover.
Thyroid CancerPossible to get critical illness cover with exclusions.
Thyroid ConditionsPeople with thyroid conditions can get cover but exclusions will apply.
TIAPossible to get cover but there will be most likely exclusions.
TinnitusIt is possible to take out critical illness cover with tinnitus.
TransgenderIf no surgery is planned, it is possible to get full critical illness cover.
Turner SyndromeDepending on the severity of your turner syndrome, it is possible to get cover.
Ulcerative ColitisIt is possible to get cover with exclusions applied.
Underactive ThyroidIt is possible, however exclusions would be applied to the policy.
UnderweightDepending 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 HepatitisDepending on the severity, it should be possible to get critical illness cover.
Vitamin B12 Anaemia or Folate AnaemiaWith exclusions it is possible to get cover.
VitiligoIt is possible to get critical illness cover with vitiligo.
Von Willebrand DiseaseThere 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.