Updated: August 15, 2019

Critical Illness Cover for Arthritis

Concerned about arthritis affecting your income? Whether it's rheumatoid, psoriatic or osteoarthritis, we'll look at how critical illness cover could help

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: August 15, 2019

When it comes to arthritis and other conditions that can prevent you from working, critical illness cover can provide some comfort. Critical illness insurance pays you a tax-free lump sum should you be diagnosed with a specific condition defined in your chosen plan, which can go towards costs like paying your mortgage if you’re unable to.

The types of conditions will vary with each insurance company, and the payout will typically depend on the severity of your condition.

In this article we explain more about what you can expect from taking out critical insurance cover if you have arthritis.

Does critical illness cover arthritis?

Yes, you can get critical illness cover for arthritis, but as there are many different types of arthritis and everyone has different levels of severity. Insurers may vary with what lump-sums they can offer you in the event of a diagnosis.

That’s why we recommend that you look around and research different companies to compare what they offer to find the best cover for your personal circumstances.

Alternatively, get in touch with a critical illness cover expert, like the ones we work with. They can research the different insurance companies on your behalf and match you with the most appropriate ones for your needs. Make an enquiry to get started.

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Does critical illness insurance cover rheumatoid arthritis?

Yes, though rheumatoid arthritis may not be offered by every critical illness insurance company, and you may have to choose it as an add-on, which could increase the cost of your policy. If a member of your family has the condition, this could also affect the price.

In the event that you are diagnosed with a condition, insurers will generally evaluate the severity of your condition and how it affects your life by checking which daily activities you can or can’t do.

For example, some will pay out a percentage based on the number of things you can’t do, which could result in you receiving 25%, 50%, 75% or 100% of the amount of critical illness sum that you have assured.

There are other companies that will pay you 100% if you fail on three of the daily activities that they assess your severity on, especially if you have total permanent disability, meaning that you’re unable to work in the occupation that you may be trained to do.

Does critical illness cover osteoarthritis?

Osteoarthritis isn’t classed as a high-risk condition. Whether you can get the benefits of critical illness cover will depend on how severe your symptoms are, and if your lifestyle factors (such as smoking or BMI) could potentially  have an impact on other areas of your health.

As it’s classed as a less severe condition, the rate of critical illness cover is likely to be similar to someone with no history of medical conditions.

Is psoriatic arthritis covered under critical illness insurance?

It is possible to get psoriatic arthritis covered under critical illness insurance.

However, before a provider can make a decision regarding your lump-sum payment, they will take into consideration factors such as the date of your diagnosis, how severe your symptoms are and what type of treatment you’re receiving.

For more information, speak to an expert.

Speak to an expert about critical illness insurance for arthritis

With so many companies providing a variety of critical illness insurance policies, you may feel like you’re not sure where to start. Luckily, the experts we work with are on-hand to help find the best deals for your circumstances, and to answer any questions you may have.

Call us on 0808 189 0463 or make an enquiry and we’ll put you in touch with someone.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in critical illness cover. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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