Existing Medical Conditions
Having a medical condition does not automatically make you un insurable. We specialise in placing cover for clients with a wide range of conditions, with clear guidance at every step.
Sensitive, confidential advice UK insurers with varied criteria No-obligation quotes
What we do
Listen carefully to your medical history and current health.
Search a panel of insurers with different underwriting rules.
Explain your options in plain English, including indicative pricing and terms.
Recommend the moat suitable provider for your circumstances.
Conditions we often help with
From short-term injuries to long-term conditions such as diabetes, asthma, epilepsy, musculoskeletal issues and mental health histories. We focus on the details that matter (diagnosis date, treatment, stability) to place your policy appropriately.
Having conditions is common— what matters is telling us the full picture so we can approach the right insurer for you.
FAQs
Will my condition exclude me from cover?
Not necessarily. Eligibility depends on the condition, treatment and how stable it is. We’ll direct your application to insurers whose criteria fit your circumstances.
Will I need to provide medical evidence?
Sometimes. Insurers may request GP reports, specialist letters or recent test results. We’ll explain what’s needed and keep things moving.
Can I still get a competitive price?
Yes— pricing varies between providers. By matching you with the right insurer and product structure, we aim to secure the most cost-effective cover available to you.
How it works
Discovery call. A short conversation about your health and the cover you want.
2. Market search. We speak to underwriters and shortlist the best options.
3. Recommendation. Clear summary of terms, price and next steps.
4. Apply & support. We manage the application and any medical evidence requests.