What information do you need to provide to apply for a Critical Illness policy?

The Application form will ask questions regarding your height, weight, age, sex, current state of health, occupation, hobbies etc.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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What could Critical Illness cover be used for?
Anything you want. Medical expenses, repaying the mortgage, making your home easier to live in, school fees, general living expenses, but to name a few.
Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
Will Critical Illness policies permit the use of alternative medicines?
After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.
What level of critical illness cover could your children get?
Insurance companies normally impose a maximum limit on any claim under the policy’s provisions for children. Sometimes the limit will be lower of a percentage of your own sum assured (e.g. 25% or 50%) or a set amount (typically £15,000 or £20,000).
What information will be needed at the time of a Critical Illness claim?
For a Critical Illness claim to be successful the insurance company’s claims department will need evidence that you have been diagnosed as having one of the listed critical illnesses. This evidence will normally come from a Hospital Consultant who is a specialist in the illness which has been diagnosed.
This enables the insurance company to gauge the degree of risk you represent. If they are satisfied they will accept you at the price originally quoted.

If for any reason they feel you represent an ‘above average’ risk, the insurer may offer one of these alternatives:

  • they may offer to insure you but at a higher premium. (This is called a “Rated Premium”.)
  • sometimes they may offer you the alternative of covering yourself for a lower sum insured

The point is that in all these situations like these, an Underwriter at the insurance company will personally examine your Application and all Applications are considered on their own merits.

 

Frequently Asked Questions related to the above topic.
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