Due to the fact that Asthma is generally a mild to moderate chronic medical condition then Asthma critical illness cover will generally be offered at standard rates with no exclusions. Life insurance underwriters will often require more information about your Asthma such as any time off work, any hospitalisation or any use of steroids to be able to identify the severity of your condition. In cases where there are no issues or complications then Asthma critical illness cover will almost always be offered with no exclusions and no premium loadings.
In moderate to severe cases where there is evidence of more regular attacks, time off work or any hospitalisation then Asthma critical illness cover may be accepted with special terms imposed, such as premium loadings or exclusions for certain related conditions. Smoking is generally viewed as a negative factor when assessing risk for Asthma critical illness cover due to the related issues and complications which can be caused by nicotine.
If you Asthma and have been offered critical illness cover in the past which was too expensive, have been declined critical illness cover or have a policy already in place then it is worth reviewing your circumstances to see what the current view would be. Asthma critical illness cover underwriting and terms are constantly changing so it is always worth checking to see whether there have been any improvements in your case.