Will I able to take out critical illness cover if I have suffered from a critical illness previously?

When suffering from a critical illness this will no doubt change your life and also the lives of those around you quite considerably. To suffer from a critical illness such as cancer will change how you see things, most people will look at life in a different way and for a lot of people it may make them think twice about what they do. In life one thing they may consider is taking out a form of protection insurance to ensure that if on the unfortunate chance they were to develop an critical illness, that they would be adequately covered.. Protection insurance is not for everyone, some may not think it is something which they need however such insurance can be tailored to suit anyone’s needs. Critical illness cover should be considered especially if you have a family with young children. No matter what, parents will always want to look after their children and make sure that they and their siblings are ok. Some of the questions that may be considered are things like will my children and my partner be finically ok if I was unable to work for a length of time or if I was to die at any point. Obtaining critical illness cover at a young age is normally cheaper than what you would be offered when you get older, this is not just because of your age but also the fact that the older you are, you may have suffered a number of illnesses up until this time. When you take a policy out you will always be covered for the number of illnesses stipulated in the contract offered at the time. These however can fluctuate and change so double check what cover is on offer when you are quoted and what the premium is at the time of application. Over the past few months there have been a number of changes in the companies that offer such insurance in the market. For example the company name Fortis Life has now been changed to Ageas Protect and AXA Sun Life has joined the company Friends Life. Therefore if you took out a policy with AXA or Fortis Life your contract will also stay the same just with a name change, if they have made amendments to the contract since you took the contract out then these would not apply to your contract and it will remain the same as what it was originally when you took it out. If you take out critical illness cover you would be covered for typically up to forty illnesses. There is no reason why you cannot apply for critical illness cover again after a claim, however there is a question as to whether or not you would get the full contract again. It would be fair to say that the critical illness you suffered would then not be covered under the new plan, however depending on the insurance provider may they only offer half the contract at best. In some cases you may experience an increase in the premium that you are quoted as well as the condition being excluded. This is normal and can be expected when people currently suffer from or the individual has had ill health in the past. The decision that one company offers you may change if you applied to another company. This is because every company underwrites their own plans differently and some are found to be more lenient with conditions than others. So really you should keep trying until you get a decision you are happy with. There is an option called reinstatement with some providers where they would give you the chance to cover yourself for a number of illnesses but this would not be the same amount as previously covered. Also the provider may put on further exclusions or increase the price. If you are applying for a policy and have previously had a personal insurance claim the longer the time since previously claiming he increased chance of being underwritten again, but very rarely for the same condition.

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