Will Critical Illness policies permit the use of alternative medicines?

After you have been diagnosed with a qualifying Critical Illness and the claim has been paid you can spend your money however you like. So if you want to spend some of your money on alternative medicines then that’s entirely your choice.

STEP 1 of 2
Type of cover
Life Insurance       Mortgage Life Insurance
 
Cover Level (£)

Number of years
Do you want:  
Critical illness cover
Family income benefit
 

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The following might help you decide how much cover you need.
How much would you need to repay your mortgage, overdraft, loans or any credit card balances? The freedom that comes from being debt free does wonders for recovery
Why, when you only want Critical Illness cover, should you consider combining it with Life Insurance?
Two good reasons: You are likely to save money! And if you died within the survival period (see below), the claim would still be paid under the terms of your Life Insurance.
What other benefits can be added to a Critical Illness policy?
Life cover is a must. Then consider Waiver of Premium and Indexation.
How will a critical illness claim be paid?
If you have a claim a Critical illness policy pays you a tax-free lump sum normally by cheque. Then, as soon as you receive the payment. the policy will terminate.
What happens if your condition improves after making a claim on your Critical Illness policy?
Once the insurance company has paid you the money is yours to spend how you like. The policy is terminated and your insurer has no interest on how you live your life or indeed whether your condition improves or is healed.
However, there could be an issue before you make a claim. One of the common conditions on a Critical Illness policy is called ‘Failure to follow medical advice’. The policy documents will probably state that the insurer will not pay out if a claim is caused directly or indirectly from an unreasonable failure to either seek, or follow, medical advice. So if your GP has told you to avoid the alternative medicines and you did not take that advice, then your failure to follow medical advice could form part of a refusal.

Frequently Asked Questions related to the above topic.
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