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.

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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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.
Can You Include Your Partner On Your Critical Illness Policy?
Yes, as with Life insurance, Critical Illness policies can insure one or two lives.
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.
How much does the critical illness cover cost?
The cost of a Critical Illness policy depends on the amount of cover you need, your personal details (especially your health and age) and the optional extras you select.
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.
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.

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