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Critical Illness Insurance

Our commitment to protection insurance customers: 

During the COVID-19 crisis and the unprecedented demands on our health system, the Protection insurer members of the Association of British Insurers (ABI) are offering support to all their customers who may be affected by the impact of Coronavirus when making a claim on a life, critical illness, or income protection policy and reducing the burden on the National Health Service (NHS).

You can read more on these commitments here. 

Frequently asked questions on Critical Illness Cover: 

Will I be able to make a claim on my critical illness policy? 

  • Critical Illnesses are identified under a specific set of criteria and Coronavirus is not a specified Critical Illness under the ABI Guide to Minimum Standards for Critical Illness Cover.  
  • In the unfortunate event that a customer were to develop a Critical Illness which is addressed in our “ABI Guide to Minimum Standards for Critical Illness” as a result of Coronavirus, we expect most insurers would approach this claim in the same way as they would usually.
  • Please speak to your insurer if you become ill and believe you are covered by critical illness cover. Insurers are supporting their customers through this difficult time.
  • You can see further information on minimum standards for critical illness cover here.

Can I still buy critical illness insurance? 

  • Yes, most customers will still be able to get life, critical illness, or income protection insurance at this time.
  • Like all firms, insurers have adapted to a completely new operating environment in a matter of days and are trying to make decisions to support new customers as quickly and as fairly as possible.
  • In a minority of cases, such as if you are experiencing coronavirus symptoms or have tested positive for coronavirus and are still experiencing symptoms, there could be a delay to the decision as some insurers have temporarily postponed new applications until you have tested negatively.

What happens if my application has been delayed?

  • In the instance where your application is delayed, insurers are working with advisers and customers to enable an efficient re-application once there is less strain on the healthcare services. 
  • The delay will not impact your ability to apply for insurance in the future.

Are there any alternatives to find cover? 

  • Insurers are working hard to explore other ways to accept applications which require medical evidence in this new environment and will continue to review their processes in light of any changes to government or medical guidance. This could include offering virtual medical screening, for example.