What Documentation Is Required to Apply for Critical Illness Insurance?
To apply for critical illness insurance, you need personal details (name, DOB, address), health information (conditions, medications, family history), occupation details, and information about existing cover. Most applications are completed online without physical documents - you answer questions and the insurer requests GP records if needed.
What You'll Need to Provide
Personal Identification
- • Full name and address
- • Date of birth
- • National Insurance number (sometimes)
Health Information
- • Current medications
- • Previous diagnoses
- • Family health history
- • Height and weight
Occupation Details
- • Job title and duties
- • Employer name
- • Annual income (for income-based cover)
Existing Cover
- • Current life insurance policies
- • Other critical illness cover
- • Cover through employer
Health Questions to Expect
The application will ask about:
- •Current and past medical conditions (even resolved ones)
- •Medications you're taking or have taken
- •Pending investigations, referrals, or test results
- •Mental health history including anxiety and depression
- •Family history of certain conditions (heart disease, cancer, etc.)
- •Smoking and alcohol consumption
- •Hazardous activities or sports
Frequently Asked Questions
Do I need medical records to apply?
Not usually for the initial application. You'll answer health questions, and the insurer may request GP reports or medical records if needed. The insurer pays for any medical evidence they request.
What if I don't know my full medical history?
Answer as honestly and completely as you can. If you're unsure about dates or details, you can request your medical records from your GP. It's better to over-disclose than under-disclose.
Will I need a medical examination?
Only for very high cover amounts or if your health history requires further investigation. Most standard applications don't require a medical exam - the insurer relies on your answers and GP records.
How long should I keep application documents?
Keep copies of your application and any correspondence permanently. These may be needed if you ever make a claim, as the insurer will compare your claim to your original application.
Related Questions
This page provides general information only and does not constitute personal financial advice. Application requirements vary between insurers. Your Home Finance is authorised and regulated by the Financial Conduct Authority.