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

Insurance companies will not refuse to cover you because you are disabled.

As with other pre-existing conditions, your insurance company may exclude cover for treatment arising directly from your disability. However, it must be reasonable and fair for them to do this.

If you sign a 'medical history declaration', you must reveal all relevant information about your disability. If your policy automatically does not cover pre-existing conditions, then an existing medical condition causing disability, or arising from it, will not be covered.

If you would like more information, call the Association of British Insurers on 020 7600 3333 and ask for the information sheet, 'Insurance for disabled people'.

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