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Life Insurance, Critical Illness Cover and Income Protection for people with Health Conditions

If you have a serious medical condition then finding the right insurance policy at the best price can be a challenge.

Here at Cura we understand how important insurance is. We work for you to ensure that you get the best price for your cover with the least hassle.

For more information please choose a specific condition:

Jaundice

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Yellow Fever

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Insurance for People Living with Medical Conditions

Some example health conditions that could affect insurance applications include:

For all forms of Life Insurance, Critical Illness Cover and Income Protection, health and medical conditions will be taken into account. There are thousands of potential medical conditions that insurance providers would need to know about if you have had them.

Many conditions will have little to no bearing on the price of a policy, especially if the condition is mild, well controlled or has been fully recovered from. More serious medical problems however such as cancer, heart attacks, diabetes and strokes will likely have a larger impact on the prices offered.

For policies such as Life Insurance it is extremely unlikely that you will have a health exclusion placed upon your policy. Life Insurance is either offered at normal terms (no price change), at special terms (with a price increase) or declined (no cover offered).

Plans such as Critical Illness Cover and Income Protection can sometimes have a medical exclusion placed on them instead of a price increase. This depends on the condition and its severity.

What Will the Insurers Need to Know?

Each insurance company is different and the questions asked may differ depending on if you are looking for Life Insurance, Critical Illness Cover or Income Protection Insurance. Depending on the condition that you have you may be asked more in-depth questions relating to your condition. In general, insurance providers will want to know the following details from you:

Details of any serious conditions you have ever had, such as heart attacks, cancer, strokes and diabetes
Details of any other conditions that you have had in the last five years
Details of any pending treatment or medical appointments
For a declared condition, what treatment you have had, if you required time off work and if you are fully recovered
Please note these questions are not exhaustive, you may need to answer more questions about your health or allow the company to write to your GP for the information

Each of these factors (along with others) are considered by the individual insurer who then analyses the risk that these present against the cover you require.

How Cura can help

As there are a range of insurance companies in the UK, all with different acceptance criteria and prices, it is essential that your cover be placed with the right one. Some policies may have exclusions that relate to your health condition and some may increase premiums to cover the extra risk. In some situations however you might be able to source the cover at a standard premium with no health exclusions and no price increase.

It is therefore very important to either speak to an insurance adviser or fully research the cover you require to ensure you are adequately protected at the right price.

Here at the Cura we have years of experience in placing cover for people with health conditions. For a free quote please call us on 0800 567 7450 or request a quotation online.

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."