Can I Get Covered? Checker
Get a quick indication of how insurers typically view common conditions.
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Can I get covered? Pre-existing conditions guide
WeCovr's coverage checker helps UK buyers understand how insurers view common health conditions, backed by FCA-authorised guidance and 900,000+ policies issued across protection products. It is designed to set realistic expectations before you apply.
What this coverage checker provides
The tool offers indicative guidance based on condition type, control level, and how recent treatment was. It is not a decision engine and does not replace underwriting.
Insurers assess full medical history and may apply exclusions, loadings, or accept on standard terms.
Provides a quick indication of likely outcomes.
Highlights the importance of disclosure.
Encourages comparison across insurers.
Why outcomes vary between insurers
Different insurers have different medical criteria and appetite for risk. A broker can help identify providers more likely to accept your history.
Why WeCovr supports transparent underwriting
WeCovr provides FCA-authorised guidance with high customer satisfaction ratings. We also offer complimentary access to the CalorieHero AI calorie tracking app and discounts when customers take PMI or Life insurance.
Data sources and guidance references
This guide references FCA guidance on insurance advice and typical UK underwriting approaches to pre-existing conditions.
Possible underwriting outcomes
| Outcome | Typical impact | Next steps | Best for |
|---|---|---|---|
| Standard terms | No changes | Proceed to quotes | Mild or well-controlled conditions |
| Loadings | Higher premium | Compare insurers | Moderate risk profiles |
| Exclusions | Limited cover | Review alternatives | Specific condition history |
Related WeCovr resources
FAQs
Will a pre-existing condition stop me getting cover?
Not always. Many people receive standard terms or modest premium loadings, depending on the condition and how well it is controlled.
Do I need to disclose all medical history?
Yes. Full disclosure is essential. Non-disclosure can lead to claims being declined.
Can a broker help with difficult cases?
Yes. Brokers can match you with insurers that have more flexible underwriting for your condition.
Are results from this checker guaranteed?
No. They are indicative only. Final decisions are made by insurers after full underwriting.