Will my cover be affected if I am disabled? - Private Health Insurance

You cannot be refused cover because of a disability but they may refuse cover for treatment which has arisen due your disability.

If this falls into the ‘chronic or –pre-existing’ category then you will be refused cover.

You will need to mention your disability when applying for cover as you will have to sign a medical history questionnaire which requires you to be frank and honest about your health.

If your insurance company refuse cover because of your disability then it must be because it has led to your needing treatment as a result of it. And, over a long period of time – which is defined as ‘chronic’.

Private Medical Insurance Guide:

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• Guide to Private Health Insurance
• What is private health insurance?
• What types of private Health insurance are available?
• How do I buy private health insurance?
• How do I choose the right cover?
• What does my health insurance cover include?
• What are pre-existing conditions?
• What will affect my premiums?
• Can private medical insurance cover older people?

• Will I need to provide details of my health?
• How can I reduce the costs?
• Can I have private treatment through the NHS?
• Will my cover be affected if I am disabled?
• How do I make a claim?
• How is private health insurance controlled?
• What if I want to change to a new insurance company?
• Can I be covered while abroad?
• What does ‘self-paying’ patient mean?

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