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Is there a waiting period to receive payment on a Critical Illness claim?

All Critical Illness policies require you to survive a specified number of days following diagnosis in order to have a valid claim. The typical survival period is 28 days but some insurance companies have reduced this to 14 days.

Are Critical Illnesses In Pregnancy Covered?

Pregnancy does not affect any claim under critical illness insurance. It would be hard to make a case that pregnancy was a ‘self-inflicted injury’!

Are future children included on a Critical Illness policy?

All natural, step and legally adopted children are insured under a Critical Illness policy so long as they are aged between 1 and 18 years (although some companies only consider children from aged 3).

Is there a minimum or maximum premium for critical illness cover?

Minimum premiums vary from company to company but they can be as little as £5 per month.

What happens if your condition deteriorates after making a claim on your Critical Illness policy?

As far as your insurance is concerned, it makes no difference. Your policy has already paid out and your ex- insurer has no further interest in your health.