- Pregnancy is a joyous experience that is met with excitement and anticipation.
- However, there are instances when the pregnancy can pose serious health risks for the mother. Some of these health risks include high blood pressure (mainly due to preeclampsia), gestational diabetes, autoimmune disorders, problems and complications with the heart or kidney, sexually transmitted diseases and in very rare cases, cancer. Indeed, (very rare), cancer can occur in pregnant women, particularly cancers such as melanoma, lymphoma, breast cancer and cervical cancer.
- You will notice that some of these diseases are actually covered by a critical illness insurance policy. The question is, if the disease is a direct result of the pregnancy will this be covered under the policy.
Getting Critical Illness Cover While Pregnant
- More often than not, an application for a critical illness policy made by a pregnant woman will be put on hold. The critical illness insurance provider will usually wait for your delivery before they will underwrite your policy. If a critical illness insurance provider will allow an application of a pregnant woman, they will want to check whether your pregnancy is normal and healthy.
The need for disclosure
- Now, if you are pregnant and want to get critical illness cover, you may have to wait after your pregnancy to avail of the insurance. Also, if you have been pregnant and have been suffering from the symptoms of a critical illness (high blood pressure, gestational diabetes), you need to disclose this during your application.
- This is to ensure that you are not later denied your claim just because you failed to disclose what the insurance company may consider as pertinent information.
Your Existing Critical Illness Cover and Your Pregnancy
- If you already have the critical illness insurance before you became pregnant, your pregnancy will not affect any possible critical illness claims. You can still claim for any of the covered critical illnesses, as long as your claim falls within the definitions of the policy with regards to the critical illnesses.
Increasing Your Critical Illness Cover
- Now that you are anticipating another life to be added to the family, it becomes even more important to increase your cover to protect your family from the effects of your getting seriously ill.
- Some providers offer a guaranteed insurability option for parenthood. With this, you can increase your cover as a result of adding a child into your family. You don’t have to present further medical evidence for you to avail of this increase.
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