Can Income Protection Cover Pre-Existing Conditions?

How Insurers View Pre-Existing Medical Conditions

Taking out Income Protection can get a little more complicated if you have existing health conditions.

When you apply for cover the insurer will ask you to declare any medical conditions you have suffered in the last 5 years. Any information you provide will be reviewed and you can expect one of three outcomes:

• The condition is covered on standard terms
• The condition is covered for an additional premium
• The condition is excluded

The more serious the existing health condition the more likely that it will be excluded from your policy.

Those looking for Income Protection Insurance with pre-existing medical conditions may find significant variation among insurers on how the condition is underwritten and what terms are offered.

We have direct access to the underwriters at all the top UK insurers which means we are able to talk to them about your specific situation and negotiate the best possible terms. If you need some help please do not hesitate to pop us a call on 02084327333 or email help@drewberry.co.uk.

How long ago you had a medical condition can be relevant

If the medical issue was over 5 years ago, you stand a good chance of being covered for a future claim, especially if the medical issue was relatively mild in nature, i.e. you broke a bone in your foot a couple of years ago but you recovered from that with no lasting complications, then they wouldn’t typically exclude your foot for a future claim.

A provider that offers a review system might be of benefit

Some insurers offer a review system, where they will look to consider removing an exclusion in a given time, say in 1 or 2 years, if the issue does not re-occur. The best option for you is to speak to us and we can glean a strong indication from the insurers for you before you apply.

What happens if you’re currently awaiting test results back

If you are currently awaiting tests for a medical issue, then the insurers will postpone offering cover until the result of those tests and any follow-up are concluded.

Why Speak to Us…

We started Drewberry because we were tired of being treated like a number and not getting the service we all deserve when it comes to things as important as protecting our health and our finances. Below are just a few reasons why it makes sense to let us help.

• There is no fee for our service
• We are independent and impartial
  Drewberry isn’t tied to any insurance company, so we can provide completely impartial advice to make sure you get the most appropriate policy based solely on your needs.
• We’ve got bargaining power on our side
  This allows us to negotiate better premiums for you than you going direct yourself.
• You’ll speak to a dedicated expert from start to finish
  You will speak to a named expert with a direct telephone and email. No more automated machines and no more being sent from pillar to post – you’ll have someone to speak to who knows you.
• Benefit from our 5-star service
  We pride ourselves on providing a 5-star service, as can be seen from our 3900 and growing independent client reviews rating us at 4.92 / 5.
• Gain the protection of regulated advice
  You are protected. Where we provide a regulated advice service we are responsible for the policy we set-up for you. Doing it yourself or going direct to an insurer won’t provide this protection, so you won’t benefit from these securities.
• Claims support when you need it the most
  You have support should you need to make a claim. The most important thing when it comes to insurance is that claims are paid and quickly. We are here to support you during the claims process and make sure it’s as smooth and stress free as possible.