Critical Illness Cover with Pre-Existing Conditions Specialist broker support for complex health histories

Been declined for critical illness cover? Many people with various health histories can still get cover. Our specialist brokers know which insurers are more flexible and can find fair-value policies others miss. A broker will call to discuss your options.

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Expert Brokers

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We Help With Complex Health Histories

Our brokers specialise in helping people with various health histories find cover.

Previous Serious Illness

Many insurers will offer cover after a period of recovery. The waiting period and terms vary by insurer - a broker will review your options based on your specific health history.

Ongoing Health Conditions

Having an ongoing health condition doesn't automatically disqualify you. Some insurers specialise in higher-risk applicants. Our brokers know which ones and what terms they offer.

Other Health Histories

Many health issues are assessed differently by each insurer. We compare leading insurers to find who will cover you fairly.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Frequently Asked Questions

It depends on the condition and insurer. Some insurers will offer cover with specific exclusions, while others may cover you fully. Each insurer assesses risk differently. A broker will call to discuss which insurers may accept your circumstances.

Often yes — the specific condition may be excluded from the policy. However, you would still be covered for all other listed conditions. Some insurers are more flexible than others.

Being declined by one insurer doesn’t mean all will decline you. Different insurers have different underwriting criteria. A broker will call to compare options from leading insurers.

Yes. You must be honest about all pre-existing conditions, treatments, and medications. Non-disclosure is the most common reason claims are rejected. Full honesty protects your claim.

You’ll be asked health and lifestyle questions. The insurer reviews your answers and may request a GP report. A broker will call to walk you through the process and help you understand what to expect.