Which UK Insurers Provide Critical Illness Cover with Online Claim Submission?
Most major UK critical illness insurers now offer online claim submission, including Legal & General, Aviva, Vitality, Royal London, and Scottish Widows. Online claims allow you to submit forms, upload medical evidence, and track your claim status through a secure portal or mobile app.
Online Claim Features
Mobile App Claims
Submit claims, upload documents, and track progress from your smartphone
Document Upload
Securely upload medical evidence, diagnosis letters, and supporting documentation
Portal Access
24/7 access to your policy, claim status, and communication with claims handlers
What to Expect from Online Claims
Instant Acknowledgement
Receive confirmation that your claim has been received immediately after submission
Secure Document Upload
Upload diagnosis letters, medical reports, and other evidence securely through encrypted portals
Real-Time Status Updates
Track your claim progress online rather than waiting for letters or phone calls
Dedicated Claims Handler
Despite online submission, you'll still have a dedicated person managing your claim
Frequently Asked Questions
Which major UK insurers offer online critical illness claims?
Most major UK insurers now offer online claim submission including Legal & General, Aviva, Vitality, Royal London, and Scottish Widows. The exact process varies by provider - some offer full online submission while others require initial online notification followed by document upload.
How does online claim submission work?
You typically log into your insurer's portal or app, complete a claim form, upload supporting documents (medical evidence, diagnosis confirmation), and track your claim status. Most insurers assign a dedicated claims handler who will contact you.
Is online claim submission faster than paper claims?
Generally yes. Online claims are processed faster because documents are instantly available to claims handlers. However, the medical evidence review takes the same time regardless of submission method. Most claims take 4-8 weeks.
Can I still claim by phone or post?
Yes. All UK insurers still accept claims by telephone and post. Online submission is an additional option, not a replacement. Many people prefer to call their insurer first for guidance on the claims process.
Related Questions
This page provides general information only and does not constitute personal financial advice. Online claim availability may change. Always confirm claim submission options with your specific insurer. Your Home Finance is authorised and regulated by the Financial Conduct Authority.