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Critical Illness

How Do I Qualify

Generally speaking Critical Illness insurance is subject to a more rigorous underwriting process than life insurance.

The process is made up of a consideration of the financial need, personal and family medical history.

You may be required to submit to a collection of medical evidence, including the testing of vital body fluids. Insurance companies will also routinely request a current summary report from your physician which will fully outline your health history. Other requirements may be imposed.

It is possible that someone who applies for a Life Insurance policy and is accepted may find that due to their individual family history, they may be ineligible for Critical Illness coverage.

May be eligible

If you have a prior history of any of the following conditions, or fall into one of the situations below, you may still be eligible for coverage, depending on the severity of the situation.

  • Overweight
  • High blood pressure
  • History of heart problems (e.g. murmur)
  • Have had both parents and one or more brothers and sisters who have suffered, or died from any of the covered illnesses.
  • Elevated cholesterol
  • Depression or mental disorder

While an application can be considered under the preceding circumstances, should a policy be issued it may contain a requirement for extra premium or an exclusion of a covered benefit. We would encourage you to contact a Barron’s representative personally to discuss your situation rather then automatically conclude that you may be ineligible. There are also alternatives to a Critical Illness policy that may be appropriate for you.

Not insurable

If you have a prior history of any of the illnesses or conditions listed below, you are ineligible for critical illness insurance.

This is a partial list of common conditions that result in not being insurable.

  • Heart attack
  • Angina
  • Cancer
  • Major organ transplant
  • Permanent paralysis
  • AIDS or tested positive for HIV
  • Diabetes (Type 1, Insulin Dependant)
  • Chronic Hepatitis Coronary artery bypass grafting
  • Stroke
  • Chronic kidney failure
  • Multiple Sclerosis
  • Huntington’s Chorea
  • Polycystic kidney disease
  • Drug/alcohol abuse within past 3 years