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Critical/Serious illness insurance question

saleagreed1 · 2018-04-04 19:53:55

This may be a stupid question but I was hoping someone here can clarify something for me. Hypothetically, if someone took out Critical Illness insurance in 2000, and let's say the company covered stroke and heart attacks as the listed illnesses... then in 2010, the company adds cancer to the list of serious illnesses…

04-04-2018 7:53pm

#1

saleagreed1

Registered Users, Registered Users 2 Posts: 3 ✭

Join Date: October 2017

Posts: 1

This may be a stupid question but I was hoping someone here can clarify something for me.

Hypothetically, if someone took out Critical Illness insurance in 2000, and let's say the company covered stroke and heart attacks as the listed illnesses... then in 2010, the company adds cancer to the list of serious illnesses covered, then the policyholder gets cancer in 2015... what exactly does this mean? Does it mean all pre-existing policyholders who get cancer after 2010 can claim cancer as a serious illness? Or all new policyholders who join after 2010 can claim if they get cancer?

I know it might be specific to the insurance company, and I should probably just ask them myself, was just wondering if there is a blatantly obvious answer to my query here first.

Thanks in advance for your help!

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