Exclusions

As with all protection policies it's important to understand the small print. In the case of Critical Illness Cover (CIC) an important part of these details are the exclusions.

These vary from provider to provider but for a general idea the following are likely to be included:

• Alcohol or drug abuse
• Criminal acts
• Flying (except as a commercial passenger)
• Extreme sports
• HIV/AIDS (unless contracted from a UK blood transfusion);
• Living abroad (outside the EU for more than 13 consecutive weeks in any 12 months)
• Self-inflicted injury
• Unreasonable failure to follow medical advice
• War and civil commotion

To research your critical illness position further you can use our exclusive interactive research tool, the critical illness finance navigator.

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