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.
However, there could be an issue before you make a claim. One of the common conditions on a Critical Illness policy is called ‘Failure to follow medical advice’. The policy documents will probably state that the insurer will not pay out if a claim is caused directly or indirectly from an unreasonable failure to either seek, or follow, medical advice. So if your GP has told you to avoid the alternative medicines and you did not take that advice, then your failure to follow medical advice could form part of a refusal.
Frequently Asked Questions related to the above topic.
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