FAQ Seven – Can I get critical illness cover if I have a bleeding disorder?

If you have a bleeding disorder, you can get critical illness cover in the UK. While you may be considered a higher risk, many insurers offer coverage for people with pre-existing medical conditions, including bleeding disorders.

Here are some things to keep in mind:

• Disclosure is key: When applying for critical illness cover, be upfront about your bleeding disorder. Withholding information can invalidate your policy.  
• Premiums may be higher: Due to the increased risk, your premiums may be higher than those without a pre-existing condition.
• Some conditions may not be covered: Not all critical illness policies cover all conditions associated with bleeding disorders. Read the policy carefully to understand what is and is not covered.  
• Shop around: Different insurers have different underwriting criteria. Comparing quotes from multiple providers can help you find the most affordable and comprehensive coverage.  

Here are some resources that can provide more information:

• The Insurance Surgery:
• Cura Insurance:
• Money Helper
• iamInsured:

It is highly recommended that you consult with an insurance broker or advisor specialising in medical conditions to get tailored advice and help you find the most suitable Critical Illness cover for your specific needs.

This is for informational purposes only. For medical advice, consult your haemophilia centre.