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What exclusion can apply to a critical illness cover policy?

There are a number of exclusions which could be applied to a critical illness insurance plan when you receive the terms of the contract.
Colne, Lancashire, United Kingdom ( 28/10/2011
Taking out any critical illness cover no matter who you take out the insurance with you should always understand the terms of the contract you are about to take out. Terms and conditions that are provided by an insurance company can be found to be lengthy however if there is something that you specifically want to know or need to find it can be advisable to contact the provider for guidance if you struggle to locate it.

The reason you should check the small print of your policy is that there a number of options that can be applied to your contract which would mean a number of different things to the individual depending on the various exclusions that may be applied to the contract. There could be one or a number of different exclusions and therefore a financial adviser would be able to give you advice on what those exclusions actually meant to yourself, however they will be written in your policy documents.

On this sort of policy you would typically find a medical exclusion if an applicant had suffered from something prior to the cover being taken out. An example of this could be deafness. Deafness is an illness which would be paid out on some plans however if you have had previous medical history which would give the insurance a reason to exclude being able to claim on such an illness. You may have had trouble with your hearing in the past and therefore if they see fit from the information off your application form or any information which they have obtained from your doctor maybe then this may be a reason as to why the illness has been excluded.

An insurance company may also exclude an illness due to your occupation; if you were to work in an environment which was hazardous they may exclude one of the illnesses covered on the contract such as third degree burns. This would normally only apply to those who take out critical illness insurance who worked as a fireman or in similar lines of work as they will obviously work around fire. However another exclusion that may be applied if your occupation meant you were working at heights and therefore if you died as a result of your occupation this may be excluded from the plan.

There is also the option where the insurance provider may exclude a medical illness which is covered under the critical illness insurance due to your family history. For example if your mother was to have been diagnosed with breast cancer in the past and would typically have to be before a certain age which would be normally be sixty or sixty five then for most women breast cancer may be excluded. Other cancers may also be excluded as well and it will depend on the gender of the individual taking out the insurance, but also the gender of the individual who suffered in the family and the age of which it was diagnosed.

An illness such as HIV or Aids may also be excluded from a plan due to someone's past or future travel, whether that travel is due to work or if for pleasure if you were to visit countries of high risk such as Africa. If after the application was taken out you subsequently changed your occupation it may be worthwhile going back to the insurance provider to see if they would remove any exclusion on the terms of your contract.

critical illness insurance can only be beneficial to you and if the exclusion was to be removed you would have cover in force. It is defiantly worth the price of a phone call.


There are many factors that are considered when deciding on the premium amounts for insurance policies of all descriptions. Making the right choices in how you live your life can greatly reduce the risks of high policy prices.


Gareth Owen

2 Derby Street, Colne, Lancashire, BB8 9AA
Zipcode : BB8 9AA