Conditions Not Covered by Critical Illness Insurance

Article published on 19th July 2008

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Aside from the 'core' conditions and illnesses mentioned in the previous article, not all severe illness and conditions are included in Critical Illness Insurance (CII) policies.

Back in 2003, the Association of British Insurers (ABI) set down new rules that restricted the circumstances under which new policy holders could claim on their Critical Illness Insurance. These restrictions meant that conditions like less advanced forms of prostate cancer and non-invasive skin cancers were not considered 'critical' enough to incur Critical Illness Insurance payments. Tumours that have not yet attacked organ or tissue, and Kaposi's sarcoma or lymphoma where HIV is present are all excluded.

In addition to these, more restrictive regulations were put onto heart attacks. They have to be medically demonstrable, so for example there has to be recorded evidence of chest pain and/or changes in the electrocardiogram (ECG) for a claim to be successful and for a policy holder to get any money back. Other milder heart conditions like angina aren't included in the Critical Illness Insurance Cover.

But don't let any of this put you off. The insurance companies are mostly just trying to find ways of spreading the risk of their policies so that neither they nor their customers are unfairly hit for conditions that are really all that critical. Indeed, if you are single and have no dependants (like children or elderly parents), CII can be seen as being more important than life insurance because a CII policy can help pay off a mortgage (as an example) if you are seriously ill and not earning money, meaning that you will incur less debt that you will have to pay off once you are fully recovered.

Also, if you are part of a couple, a Critical Illness Policy can provide you with that tax-free financial boost at a time when your illness or new disability is causing you both so much stress and distress. So it's well worth considering

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