Critical Illness Cover: A Guide

Will any exclusions apply to the cover?

Critical illness policies usually contain certain exclusions (things which are not covered). Exclusions vary between insurance companies. Each key features leaflet provided by a financial adviser or insurance company will list the exclusions of that particular policy.

We have published model definitions for the most common exclusions. The headings of those exclusions are as follows.

  • Aviation
  • Criminal acts
  • Drug abuse
  • Failure to follow medical advice
  • Hazardous sports and pastimes
  • HIV/AIDS
  • Living Abroad
  • Self-inflicted injury
  • War and civil commotion

Policies which include these exclusions use our model definitions or an alternative that provides more cover.

This document is reproduced with the permission of ABI – The Association of British Insurers.

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