A policy will provide cover only for conditions defined in the policy document for a condition to be covered; it must meet the policy definition exactly. This can mean that some conditions, such as some forms of cancer, won’t be covered if deemed insufficiently severe. Similarly, some conditions will not be covered if you suffer from them after reaching a certain age. For example, many policies will not cover Alzheimer’s disease if diagnosed after the age of 60. In addition, most policies do not cover any claims made as a result of: • Alcohol or drug abuse • Self-inflicted injury • Flying – apart from normal passenger flights • Engaging in hazardous sports and pastimes • HIV- and Aids-related illnesses – unless caught from a blood transfusion, through physical assault or by working in the emergency services, medical profession or armed forces • Unreasonable failure to follow medical advice • War and/or taking part in a riot or other civil commotion Few policies pay out as soon as you receive diagnosis of any of the conditions listed in the policy and most pay out only after a “survival period” of typically 28 days. Critical Illness Cover
What Is Covered ?
Buying Critical Illness Insurance