Will my cover be affected if I am disabled?
Insurance companies will not refuse to cover you because you are
disabled. As with other pre-existing conditions, your insurance
company may exclude cover for treatment arising directly from your
disability. However, it must be reasonable and fair for them to
do this.
If you sign a 'medical history declaration', you must reveal all
relevant information about your disability. If your policy automatically
does not cover pre-existing conditions, then an existing medical
condition causing disability, or arising from it, will not be covered.
If you would like more information, call the Association of British
Insurers on 020 7600 3333 and ask for the information sheet, 'Insurance
for disabled people'.
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