Is this a Special Term on insurance?

barnyrubble1

Hello,

I took out some Critical illness cover and had to pay a bit extra due to a couple of pre-existing conditions. The documentation which arrived says the following:

Special Conditions:
My Name
NONE

Acceptance Terms: Non standard rates

Does this mean I have special terms on my insurance? Do I have to mention this to all my insurance companies including car, house, pet, etc?

Thanks.

kingstreet

There are no special conditions, but the premium has been increased to reflect your medical history.

You would only disclose this for other life, critical illness or income protection proposals, not for short-term cover like car, home etc.

InsideInsurance

GI policies will not be interested in these sorts of things. The cross impact between Life and GI only really happens if you've had a claim declined for fraud etc