Taking out Income Protection can get 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 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.
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.
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.
If you’re 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.
When it comes to protecting yourself and your finances, you deserve first-class service. Here’s why you should talk to us:
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