How insurers treat a medical history

How a condition affects underwriting, what is likely to be excluded, and what happens at claim time. These pages are about insurance only — for anything clinical we point you to the NHS and to the relevant charity.

• Diabetes and insurance cover — How diabetes is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Asthma and insurance cover — How asthma is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• High blood pressure and insurance cover — How high blood pressure is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• High cholesterol and insurance cover — How high cholesterol is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• A history of cancer and insurance cover — How a history of cancer is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Mental health and insurance cover — How a mental health history is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you bu
• Back pain and insurance cover — How back pain is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Arthritis and insurance cover — How arthritis is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Heart conditions and insurance cover — How a heart condition is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Stroke history and insurance cover — How a stroke history is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Epilepsy and insurance cover — How epilepsy is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Weight, BMI and insurance cover — How weight and BMI is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Thyroid conditions and insurance cover — How a thyroid condition is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Digestive conditions and insurance cover — How a digestive condition is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Migraine and insurance cover — How migraine is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Sleep apnoea and insurance cover — How sleep apnoea is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Gynaecological conditions and insurance cover — How a gynaecological condition is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you
• Menopause and insurance cover — How the menopause is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• Pregnancy and insurance cover — How pregnancy is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.
• ADHD, autism and insurance cover — How ADHD and autism is treated when you apply for cover: underwriting, likely exclusions, what happens at claim time, and what to ask before you buy.