If you've already claimed under an early critical illness policy, how difficult is it to obtain new coverage afterwards?

Hi Debbie, advisor here. It can be more challenging to obtain new coverage after an ECI claim, as it depends on the underlying condition, medical history and the insurer's underwriting decision. Some applications may be declined or offered with exclusions or additional premiums.

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I think it’s important to understand what coverage you still have after the claim, especially if you’re looking to protect yourself against future illnesses. Have you checked with your current insurer whether your existing policy still provides any remaining coverage?

From my understanding, I think most companies will not underwrite for you after your CI claim due to the high risk.

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I heard they also do that for people with depression.