These are the critical illness conditions covered under this insurance;

• Bacterial Meningitis
• Cancer
• Heart Attacks
• Strokes
• Coronary Artery Bypass-Grafts
• Major Organ Transplant
• Kidney Failure
• Multiple Sclerosis

Please make sure you view the policy document for full details on limitations and definitions for each condition.

Only

What happens if I have a pre-existing condition, will you accept me?

Yes, we will accept you for cover.

However, there is a moratorium clause applied to both Life & Critical Illness

Life Cover Moratorium 

There is an exclusion for any claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy.

This exclusion will not apply if you remain symptom-free and do not need to seek treatment or medical advice for a continuous period of 24 months immediately after your policy start date.

Critical Illness Moratorium

An exclusion for a Critical Illness pre-existing medical condition is extended to a period of 10 years prior to the start of your policy, where any medical condition relates to one of the specified Critical Illness Conditions.

This exclusion will not apply if you remain symptom, treatment, medication, consultation free for the balance of the 10-year period after the policy begins.

If the cause of your death or critical illness is not deemed related to your condition when you come to claim, then your benefit will, of course, be paid.

Want to know more about how this affects you? Click here to contact us.

Exclusions

We will not pay for any death or critical illness claims caused directly or indirectly by:

i) Any pre-existing condition

There is an exclusion for any Life claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy.

This exclusion will not apply if you remain symptom-free and do not need to seek treatment or medical advice for a continuous period of 24 months immediately after the policy start date.

There is an exclusion for a Critical Illness Claim for any pre-existing medical condition  extended to a period of 10 years prior to the start of your policy, where any medical condition relates to one of the specified Critical Illness Conditions.

This exclusion will not apply if you remain symptom, treatment, medication, consultation free for the balance of the 10-year period after the policy begins.

If the cause of your death or critical illness is not deemed related to your condition when you come to claim, then your benefit will, of course, be paid.

ii) suicide, attempted suicide or deliberate self-inflicted injury, regardless of the state of your medical health.

iii) as a result of alcohol or solvent abuse, or the taking of drugs except under the direction of a registered medical practitioner.

iv) nuclear contamination, biological contamination or chemical contamination, war (whether declared or not), an act of foreign enemy, invasion, civil war, riot, rebellion, insurrection, revolution, an overthrow of a legally constituted Government, explosions of war weapons or any event similar to one of those listed.

Please view the policy document for full information on exclusions.

FAQs

Can’t find the answer to your question on this page? You can either:

• Email us at info@getesmi.co.uk with your question.
• Visit our Life and Critical Illness FAQs.
• Or you can read the policy document in full.

Documents

Policy Document

Policy Summary

Policy Definitions