Kinds Of illnesses Covered by IP
Stress and back pain may be considered minor illnesses and not worth an insurer’s cover. However, stress and back aches have been known to get so severe people are ordered by their doctors to stay at home and rest. In these cases where doctor approval is readily available and evidence shown to the same, Income Protection Insurance takes these and other so called minor illnesses into consideration and pays out the required amounts according to the policy holder’s cover plan.
Some IP insurers require doctor certified illness slips while others prefer seeing actual physical evidence of the underlying causes of a person’s illness. Established Examples…
PG Mutual’s policy terms, for example, state that it won’t cover any mental or nervous disorders ‘without demonstrable organic disease’. Similarly, British Insurance may only pay out for back pain where there is ‘radiological medical evidence of abnormality.’ Insurer i:protect will pay out for three months following a doctor’s examination, but then requires scanned evidence of abnormal findings.
It’s sound advice to ask your Income Protection insurer if their policy helps cover back, neck and stress related problems. It’s also a practical idea to ask on what basis they craft their cover for such illnesses. For instance, Barclays insists on a psychiatric consultant’s report for stress and an orthopedic consultant’s report for backache. However, in conditions that border on or are fully in the psychological side of a person’s problem it can prove to be unreasonable to acquire physical evidence to back it up.
Higher level illnesses that can be classified as full fledged diseases don’t all take on IP cover. Some of them do while a majority of them will require more high-end insurance policies to cover it. In the case of cancer or Alzheimer’s it may not be easy to get IP cover.
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