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Insurance for people with existing medical conditions

Are you worried about getting health or life insurance because of an existing condition? This guide can help you find cover that’s right for you

Speak to an insurance expert*

Life insurance: 0800 862 0017
Health insurance: 0800 862 036

If you suffer from a chronic health condition or have a history of medical issues, you may think it’s impossible to get life insurance or private medical cover. But contrary to popular belief, many insurers are happy to offer tailored cover to those with existing or previous medical conditions, meaning there’s no need to go without cover.

This is good news for those with a previous history of medical conditions, as both health and life insurance can offer valuable peace of mind should things go wrong. Private medical insurance can help provide you with the best level of care if you fall ill or get into an accident, and life insurance can ensure your family are provided for financially should the worst happen.

Affordable health and life insurance is not out of reach if you have a history of medical problems. In fact, you’re likely to have many options when applying for health or life insurance if you have pre-existing medical conditions, so it’s important you understand them.

The effect your previous medical conditions have on your cover will depend on the type of condition and when you were last affected by it, as well as the type of cover you are looking for.

Health insurance

Life insurance

Although fewer life insurance companies will offer cover to people with previous or existing medical conditions, there are specialist providers available that will be willing to help you.

You may be able to get life insurance without any exclusions (meaning you still get a payout even if you die from a condition you have declared to your insurer), but the cost of cover may be higher to reflect the increased risk – however, it’s important to remember the peace of mind that life insurance can bring if you’re worried about providing for your family or paying off your debts after your death.

The best way to find an affordable life insurance policy with a history of medical issues is to talk to a professional who will take your unique needs into account. If you’d like to discuss your options with a life insurance expert, call our partners ActiveQuote on 0800 862 0017.

Health insurance

If you’re looking to take out health insurance and have a history of medical problems, your insurer is likely to impose some exclusions on your policy. For example, if you have had a history of heart problems, your health insurance is unlikely to cover you for any treatment relating to this condition. This also applies if you have a chronic, ongoing condition such as diabetes or arthritis for example.

Your insurer may offer you one of two types of insurance policy specifically designed for those with previous or existing medical conditions:

Moratorium underwriting
Most health insurers will use moratorium underwriting for customers with a history of medical issues. Your cover will usually exclude any conditions you have suffered symptoms or received treatment for in the past five years. However, your insurer may agree to cover you for those conditions if you go two years without any symptoms, treatment or advice once you have taken out the cover.

Full medical cover underwriting
If you state that you have pre-existing medical conditions, your insurer may suggest full medical underwriting (access to your medical records or speaking to your GP). Your insurer will never do this without your permission. Your insurer will use the details of your medical history to determine which conditions are excluded from your policy.

Whether you’re looking for health insurance or life insurance, all policies will vary, so it’s best to talk to a professional about your personal circumstances. Our trusted partner, ActiveQuote, can help. Call them on the numbers below to discuss your medical or life insurance cover:

Speak to an insurance expert*

Life insurance: 0800 862 0017
Health insurance: 0800 862 036

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* The life and health insurance services are arranged and administered by ActiveQuote Health Ltd who are authorised and regulated by the Financial Conduct Authority. Registered office; Global Reach, Dunleavy Drive, Cardiff, CF11 0SN, registered in England and Wales 6765845. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites. By using this system you are also agreeing to our Terms and Conditions and Privacy Policy.