Can I get critical illness cover with Chronic Fatigue Syndrome (ME/CFS)?
Chronic fatigue syndrome (CFS/ME) can be assessed in different ways by different insurers. Some will offer cover with exclusions relating to fatigue-related conditions; others may load the premium. If you are currently symptomatic or recently treated, terms may be more restrictive. If you have been symptom-free for several years, more favourable terms may be available.
How do insurers assess Chronic Fatigue Syndrome (ME/CFS)?
Insurers will ask detailed questions about your chronic fatigue syndrome (me/cfs) — when you were diagnosed, how well controlled it is, what medication you take, and whether you have any related complications. Each insurer has different underwriting criteria, so rates and terms vary significantly.
What options are available?
- Standard terms — if your condition is well-controlled and you have no complications, some insurers will offer standard rates
- Rated premium — a higher premium to reflect the additional risk, while still providing full cover
- Exclusion — the condition itself (and related conditions) is excluded from cover, but all other conditions are still covered
- Decline — some insurers may decline if the condition is severe. A specialist broker can find alternatives
Should I disclose my Chronic Fatigue Syndrome (ME/CFS)?
Yes — always. Failure to disclose a pre-existing condition is non-disclosure, which can invalidate your policy and result in a claim being rejected. Even if you think a condition is minor or well-controlled, disclose it.
What does critical illness cover pay out for?
Critical illness cover pays a one-off, tax-free lump sum if you're diagnosed with a specified serious condition — such as cancer, heart attack, stroke, or multiple sclerosis. The payout is yours to use however you choose: clearing a mortgage, funding treatment, or replacing lost income.
How much cover do I need?
Most people aim for enough to clear their mortgage plus 12–24 months of living costs. A whole-of-market comparison ensures you find the best available terms for your specific situation.
Frequently Asked Questions
It depends on how well controlled your chronic fatigue syndrome (me/cfs) is. Some insurers offer standard rates; others may charge a higher premium or exclude the condition. Comparing the whole market gives you the best chance of finding competitive terms.
Yes — insurers have different underwriting criteria. Being declined by one insurer doesn't mean all will decline. A specialist whole-of-market broker can access insurers and terms not available on standard comparison sites.
Often yes — particularly if you have financial dependants or a mortgage. Even if your pre-existing condition is excluded, you're still covered for cancer, heart attack, stroke, and 30+ other serious conditions.