We have a list of over 6,000 medical conditions, so it's impossible to list all of them here, but here's a list of the most commonly declared conditions and whether we can accept them or not. We're always working on accepting more conditions, so we'll try and keep this list updated as things progress...

Definitely acceptable

  • Most mental health conditions (e.g. Depression, Anxiety, Mental Illness, Bipolar Disorder, PTSD, Suicidal Thoughts, Suicide Attempts)

  • Skin conditions and allergies (e.g. Eczema, Psoriasis, Acne, Hayfever)

  • Simple bone, joint and muscle stuff (e.g. Broken Bones, Muscle Pains, Joint Pains)

  • Minor infections (e.g. Cold, Flu, Ear Infection, Sinus Problems)

  • Contraception

Usually acceptable with a few more details

  • Asthma

  • Underactive / Overactive Thyroid

  • Endometriosis

  • Acid Reflux / Heartburn

  • Headaches / Migraines

  • Fibromyalgia

  • Chronic Fatigue Syndrome

  • Anaemia

  • Vitamin Deficiency

  • Kidney Stones

  • Gout

  • Polycystic Ovary Syndrome (PCOS)

  • Chronic Pain Syndrome

  • Sciatica

  • Abnormal Cells on Cervical Smear

Sometimes acceptable with a few more details and if well controlled

  • High Blood Pressure / Hypertension

  • High Cholesterol

  • IBS

  • Crohn's Disease

  • Ulcerative Colitis

  • Epilepsy

  • Rheumatoid Arthritis

Not acceptable yet, but things we're actively working on

  • Multiple Sclerosis

  • Type I Diabetes

Not acceptable (these conditions require clinical reports and we're completely online, so not set-up for this... yet)

  • Heart Conditions

  • Cancer

  • Strokes

  • Type II Diabetes

  • HIV

Additional details are collected at the end of the medical underwriting questions via a pop-up. If you declare multiple conditions that require additional info, you may not get the pop-up. If this is the case then please get in touch either via [email protected] or through our live chat function in the bottom right of the screen. We're always happy to help you out and try to get you accepted.

Part of why we set-up the business was to try and make life insurance more accessible. We've already made some changes, such as accepting the majority of mental health conditions, but there's clearly still some way to go... The fight goes on.

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