There are insurance providers who are better than others when considering applications for Bell’s Palsy critical illness cover simply because they have a better claims experience with Bell’s Palsy or they may have a more lenient approach to the condition. In general it is possible to get critical illness cover for Bell’s Palsy at standard rates where the condition is mild or there are no major issues.
If you have suffered a number of attacks in recent times and especially if you have other medical disclosures then you will find it more difficult to get Bell’s Palsy critical illness cover simply because of the increased risk factors. Underwriters will want to know a number of key factors to determine the levels of risks involved, such as:
- When you were diagnosed
- How frequent are your symptoms
- What treatment you have taken / are taking
- How severe are your symptoms
- Do you have any other related / non-related medical conditions
Once your application for Bell’s Palsy critical illness cover has been submitted, it is very likely that you will have to provide your medical records as with life insurance. In some cases it may be that a loading is applied to the premium for more severe or recent attacks, there is also a possibility that Bell’s Palsy critical illness cover may be offered with some exclusions.