Can anyone recommend where to go for the above where it is more likely to cover a pre-existing medical condition?
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Income Protection Insurance
Collapse
X
-
-
Given that all insurers' business model is to avoid paying out where-ever and when-ever possible, it is extremely unlikely that you will find an income protection policy that would cover a pre-existing medical condition. And even if you did, it would cost the earth.Originally posted by KennyG View PostCan anyone recommend where to go for the above where it is more likely to cover a pre-existing medical condition?
Best bet is to save a big pot of dish to cover yourself that way.Is God willing to prevent evil, but not able? Then he is not omnipotent. Is he able, but not willing? Then he is malevolent. Is he both able and willing? Then whence cometh evil? Is he neither able nor willing? Then why call him God? - Epicurus -
I doubt you will find any that will cover you, plus anecdotally it's incredibly hard to get the buggers to pay out even without a pre existing condition.Originally posted by KennyG View PostCan anyone recommend where to go for the above where it is more likely to cover a pre-existing medical condition?
Put lots of cash aside rather than looking to line an insurers pocket on a policy that will never in all likelihood pay out.Comment
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Blocking the 2025 Loan Charge settlement opportunity from being a genuine opportunity is… HMRC Today 07:41
- How a buyer’s market in UK property for 2026 is contractors’ double-edge sword Yesterday 07:12
- Why PAYE overcharging by HMRC is every contractor’s problem Feb 10 06:26
- Government unveils ‘Umbrella Company Regulations consultation’ Feb 9 05:55
- JSL rules ‘are HMRC’s way to make contractor umbrella company clients give a sh*t where their money goes’ Feb 8 07:42
- Contractors warned over HMRC charging £3.5 billion too much Feb 6 03:18
- Statutory Sick Pay (SSP) for umbrella company contractors: an April 2026 explainer Feb 5 07:19
- IR35: IT contractors ‘most concerned about off-payroll working rules’ Feb 4 07:11
- Labour’s near-silence on its employment status shakeup is telling, and disappointing Feb 3 07:47
- Business expenses: What IT contractors can and cannot claim from HMRC Jan 30 08:44

Comment