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
 

Hot Topics

What is Critical Illness cover?
Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious,
Is there a minimum or maximum amount of Critical Illness cover available?
When you get an quotation, the insurer providing the quotation has agreed in principle to insure you for the sum you have requested. Therefore, you do not need to worry about this issue.
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’!
What is the difference between Critical Illness cover and Terminal Illness cover?
Critical Illness Insurance is much more comprehensive than Terminal Illness cover. 1 in 5 men and 1 in 6 women suffer a critical illness before their usual retirement age.
Will you need a medical if you apply for a critical illness policy?
In order to correctly assess the risk they are being asked to accept an insurance company may require further information from your GP or request that you undergo a medical. In most cases these medicals only take five or ten minutes.
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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