Can I get disability income insurance if I have pre-existing conditions?

Hi anon,

Disability income insurance is subject to medical underwriting and hence there is a possibility that any pre-existing conditions may lead to rejections or exclusions. So this really depends on what the condition is.

You might end up with exclusions, or loading, depending on the underwriting outcome. However, it is always better to declare any pre-existing conditions or else the insurer will have the rights to void the policy.

It depends on the specifics of your conditions but in general, you can. While some Disability Insurance Company will automatically disqualify you from coverage, there are some that continue to provide coverage.

If the pre-existing condition is on the excluded list, you will still be allowed to apply, but you would not receive coverage for that condition. Alternatively, if the pre-existing condition is covered, you might be charged a higher premium for the policy.

Essentially, it is key to disclose any pre-existing condition at the point of application. Insurers have the right to deny your claims if you are found to withdraw this information when applying for the policy.