September 11, 2018


Best Advice


Have you been Declined Critical Illness Cover? There is an alternative…

If, once you’ve read this case study, you’d like to talk through your situation, please call 0800 644 4468 – Monday to Thursday from 09.00 to 19.00 and on Friday between 09.00 and 17.00.

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Why Insurance companies decline.

Whilst insurance companies are profit making businesses, they are genuinely not in the business of declining people for no good reason. If you are reasonably healthy, your application should sail through the underwriting process. ( The process that assesses your risk as a future claimant). Be assured 98% of claims were paid in 2017 according to the Association of British Insurers.

However, insurers do sometimes turn people down. The reason usually falls down to:

  • You’ve got a health condition. If it’s mild, this shouldn’t be a problem. If it’s a moderate condition, you should still be able to get insurance but you may have to pay a raised premium to take into account the higher risk that you pose to the insurance company. If it’s a serious condition, the insurer will have to do the maths on how risky it is to insure you and you may be declined.

Insurance claims aren’t turned down that often – and when they are, there’s usually a reason for it. And, we are here to help.

What you can do

If you have been declined for one or a handful of reasons, you can request more information from the insurer to find out why.

If you’ve applied through your bank or to one insurer, speak to us, we will search the whole of the market and have the experience and knowledge of individual insurers. We have worked on various similar cases and can advise you on your situation.

Each insurer has its own set of underwriting guidelines, so they will all treat medical issues differently. We can match you with the right insurer for your condition, giving you a better chance of cover.

Our process

When a client has a pre-existing condition, or has suffered a serious illness in the past, the first thing we do is pick up the phone. We speak to Underwriters at many of the UK’s leading Insurance companies. Discussing all of our client’s medical history helps us to identify the best company to apply to. This also means we avoid applying to companies who will end up being too expensive or worse, decline an application. By being upfront and detailed, we are able to obtain the best terms possible for our clients.  It pays to ask a specialist to recommend the most comprehensive policies, at the right price and with the most sympathetic underwriters of your conditions / family history.

Our Client Had No Choice But to opt for an alternative.

Our client is a 28 year old gentleman, who has been suffering from various illnesses which have resulted in him being in and out of hospital for the past few years.

He inquired about critical illness cover but due to the seriousness of his medical history, all of the insurers we approached were unwilling to offer cover.

Ideally, our client should first and foremost have Critical Illness Cover however, owing to his health conditions prohibiting this, we recommended a Multi Protect Policy. This mainly covers accidents but the hospitalisation benefit will also cover sickness after 12 months. Clients can also claim on a pre- existing conditions. Often this policy is recommended by Future Proof to be taken in conjunction with Critical Illness.

Our client has the peace of mind that he will receive UK hospital cover for every 24 hours he spends as an in-patient as the result of an accident or due to sickness, once he’s had his policy for 12 months.

This would pay the client £250 per 24 hours he spends in hospital due to sickness. This policy includes pre-existing medical conditions but there is a limit of 90 nights pay out per condition.

This essentially means that if our client is still spending a lot of time in hospital in 12 months time, he could potentially claim up to £22,500 (£250 x 90) just on the illnesses he is already suffering.

This level of cover costs a flat amount of £40 per month, however premiums for lower benefits are available for as little as £8 per month.

As you can see below, there are options to choose a level of cover that suits your budget.

Premium        Cover per Night

£8                            £50
£16                          £100
£24                         £150
£32                         £200
£40                         £250

Please note that any premiums mentioned are indicative only and based on this specific case study/ example, which is shown for information purposes only. Your own circumstances will determine whether the amount payable is more or less than the figure quoted.

Interested in related stories?

If you’re interested in securing a Life Insurance, Critical Illness or Income Protection policy please call 0800 644 4468 to speak to one of our expert advisers.

Are you unsure what cover is right for you?  Take a look at our handy guides ‘What Cover is Right for me?’

Do you suffer with a medical condition and concerned you can’t secure Life or Critical Insurance?  Please view our ‘Medical Guides’ for further information.

Whilst we will make every endeavour to help someone to arrange insurance, there is no guarantee of success. Please note that all life, critical illness and income protection quotes will be subject to full medical underwriting.

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Client no. 118035185