Can I get critical illness cover with Arthritis?
Yes — arthritis is insurable for critical illness cover in most cases. Rheumatoid arthritis and osteoarthritis are both common on CIC applications. The key factors are the severity of the condition, how well managed it is, and whether there are any associated complications. Well-controlled arthritis often results in standard or modestly loaded terms. Note that standard CIC policies do not typically include arthritis as a covered condition — but having arthritis doesn't prevent you from getting cover for cancer, heart attack, stroke, and all other covered conditions.
How do insurers assess Arthritis?
Insurers look at when you were diagnosed, how well controlled the condition is, your treatment, and any related complications. Terms vary significantly between providers — whole-of-market comparison is essential.
What options are available?
- Standard terms — if your condition is well-controlled with no complications
- Rated premium — higher premium reflecting additional risk, full cover intact
- Exclusion — the condition excluded, all other conditions still covered
Even with an exclusion, CIC is still valuable
An exclusion only applies to claims related to the excluded condition. You remain fully covered for cancer, heart attack, stroke, and all other specified conditions.
Frequently Asked Questions
It depends on severity and control. Compare the whole market to find the most competitive terms for your profile.
Often yes — even with an exclusion, you're still covered for cancer, heart attack, stroke, and 30+ other serious conditions.