Many Brits assume certain health conditions make you uninsurable. But in reality, there are few illnesses that automatically disqualify you from getting life, health, or disability insurance in the UK. Here are some common myths:
Cancer: One myth is that a cancer diagnosis makes you uninsurable. For some cases of remission, it would most likely be classed as a pre-existing condition, and for newer cases you may have to answer some difficult questions. Insurers will need to do this to decide whether they are able to offer you a policy, and how much it will cost. – It isn’t a straight no though!
Mental illness: Contrary to belief, most mental health conditions like depression, anxiety, ADHD or bipolar are not automatic declines. As long as your illness is controlled through NHS treatment and you have no recent hospitalisations, you can likely get covered.
HIV/AIDS: Thanks to amazing treatment advances, HIV/AIDS is no longer the death sentence it once was. Many UK insurers now offer standard or slightly rated policies to HIV+ applicants if their viral load is suppressed through NHS treatment.
Diabetes: Both Type 1 and Type 2 diabetes are very insurable, as long as your condition is well-managed through NHS care. No more automatic declines just for having diabetes.
Heart conditions: Having a heart condition doesn't make you uninsurable. Even serious conditions like prior heart attacks, bypass surgery, arrhythmia and more can get covered with proper NHS treatment. Premiums may be higher.
The key is proper health management of your condition. Being upfront about your medical history will help your insurer accurately evaluate your unique situation. Work with an independent broker who can shop around for policies to get you the most suitable deal.
The days when certain illnesses meant you couldn't get insured at all are over. Today's medical underwriting is much more sophisticated. Don't assume you can't get covered - explore your options first.
If you or someone you love has a health condition,
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