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Can you extend or increase your Critical Illness cover at a later date?
If you have a policy with a renewable option then yes, you can increase, or sometimes extend, your cover. If you do not have a renewable option then you cannot change your cover. These days only a few insurance companies offer policies with a renewable option.
Hot Topics
- What decisions will you have to make before you can get a quotation?
- You will have to make four decisions:
- Should you have a “Guaranteed” or a “Reviewable” policy?
- When a policy is first started Guaranteed policies have higher premiums than Reviewable policies - but in the longer period Reviewable policies generally work out more expensive.
- What is “Total and Permanent Disability”?
- “Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.
- 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’!
- Can you extend or increase your Critical Illness cover at a later date?
- If you have a policy with a renewable option then yes, you can increase, or sometimes extend, your cover. If you do not have a renewable option then you cannot change your cover. These days only a few insurance companies offer policies with a renewable option.
If the policy is not renewable then you simply have to take out a replacement or additional policy. (If you apply for a replacement policy do not cancel your existing policy until you have received the "On Risk" Notice for your new policy. You never know there could be a hitch with your new policy and if you finish your existing policy you can't restart it).
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
- What could critical illness cover be used for ?
- Under a combined Life Insurance and Critical Illness policy, is the value of cover the same for both the Life and Critical illness provisions?
- Go to menu of Frequently asked Questions about Mortgage Life Insurance
- Go to menu of Frequently asked Questions about Life Insurance
- Go to menu of Frequently asked Questions about Critical Illness Insurance
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