Generally there’s a good chance that Critical Illness Cover can be secured if you have a history of Ulcerative Colitis. There may, however, be loading and / or exclusions applied.
Cover can be secured if your Ulcerative Colitis is well managed with few flare ups. If you are receiving mild medication or treatment, cover is possible. This would be at standard rates or with a small rating.
Underwriters will want to know the frequency and severity of any symptoms (flare-ups) and details of any medication or treatment. They will also need to know details of any surgery or planned surgery and the date you were diagnosed.
If the symptoms and treatment are more serious, there will generally be an additional loading applied to the premium. Exclusions may also be included within the policy you are offered.
In some more severe cases, Critical Illness Cover may be declined for Ulcerative Colitis based on underwriting risk factors.
It’s important to read any offer of terms before accepting a policy. This is to ensure the cover meets your needs and is adequate for your requirements.