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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