• These are links to UK companies that offer insurance policies to those with pre-existing medical conditions. They are suggestions from AMEND members and other organisations and must not be seen as recommendations by AMEND.

    When applying for insurance products, please answer questions fully and truthfully. Omitting important medical information may invalidate your insurance just when you need it most.

    If you’ve had success with a different company from those listed, please let us know so that we can pass on the good news to others!

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TRAVEL INSURANCE

LIFE INSURANCE

  • A Code on Genetic Testing and Insurance was developed between the Government and the Association of British Insurers (ABI) on behalf of its members and describes a shared agreement on the role of genetic testing in insurance (latest update in 2022).

    All members of the ABI are signed up to the Code, and insurance companies who are not members can also sign up. The Code commits insurance companies to:

    • treat applicants fairly and not require or pressure any applicant to undertake a predictive or diagnostic genetic test
    • not ask for, or take into account the result of a predictive genetic test, except when the life insurance is over £500,000 and the applicant has had a predictive genetic test for Huntington’s Disease
    • not ask for, or take into account, the result of any predictive genetic test obtained through scientific research

     

    >READ THE CODE ON GENETIC TESTING

     

    Life insurance companies and underwriters need to know what they are covering and if you are taking out a life insurance policy in excess of £500,000 (or Critical illness insurance in excess of £300,000; or Income protection in excess of £30,000), they may ask for further information from your GP, or even want you to have a medical examination. This is standard practice and allows the insurer to correctly set your premiums. You can request a copy of the report your GP sends to the company; however, this can sometimes delay your policy. With long-term medical conditions, you may wish to provide details of your medical specialist too. This may help to speed up your application.

    • It is vital that you are honest and upfront about your medical conditions.
    • Remember, insurers are allowed to ask for details of your family history.
    • Try to answer the questions as accurately as possible as withholding information may affect the final claim on the policy.
    • Always check your policy documents.

    There are only a few insurance companies that specialise in insuring people with pre-existing medical conditions, so if you know of any others, please do let us know so that we can share them here on this page. The best way of finding a company that is likely to offer the best terms is to find an experienced Independent Financial Adviser (IFA). Insurance companies who have signed up to the Code should not ask for the results of genetic testing for either the individual being insured or other family members.

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