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Existing Medical Conditions

This term is often used by insurance companies and advisors to refer to medicial conditions you have suffered from in the past.

It is vitally important that these are disclosed to insurers during your application process to avoid any risk of a non-payout due to non-disclosure.

Existing Medical Conditions can have an effect on policy premium for Life Assurance and Critical Illness and may lead to an exclusion of the condition for Income Protection and Mortgage Payment Protection Insurance (If you have suffered from the condition in recent years).

For more advice on whether your medical condition will have any effect, please speak to one of our friendly advisors for free.

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