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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.
Hot Topics
- Can You Include Your Partner On Your Critical Illness Policy?
- Yes, as with Life insurance, Critical Illness policies can insure one or two lives.
- 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’!
- 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).
- 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.
The insurance company will also want to see your birth certificate to confirm your age and possibly your marriage certificate.
Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -
- What conditions are considered critical?
- How do you go about making a claim under your policy?
- How will a critical illness claim be paid ?
- Can a claim still be made if the policy is lost?
- Under what situations would a claim be refused?
- Can you include your partner ?
- Will a claim for critical illness affect any State Benefits?
- What is critical illness cover ?
- Are Critical Illnesses In Pregnancy Covered?
- Can the critical illness policy be continued after a claim?
- Are You Allowed To Continue Working After A Critical Illness Claim?
- What happens if your condition improves after a claim ?
- Is there a minimum or maximum amount of Critical Illness cover available?
- Should you have a “Guaranteed” or a “Reviewable” policy?
- Will Critical Illness policies permit the use of alternative medicines?
- Can You Include Your Children On A Critical Illness Policy?
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