Instant cover

Get covered today with no medical underwriting! All our Protector Plans are available to buy instantly with no need to disclose your medical history.

Key features of instant cover:

• Available to buy online for individuals, couples and families where all policyholders are aged 54 or younger
• Guaranteed acceptance with no medical questionnaire 
• Can be used to satisfy international visa requirements 
• We gather evidence at the point of claim to determine whether the condition is covered
• If at any point in the two years prior to joining you had symptoms, investigations, or treatment for a condition, that condition will be excluded until you have gone a full two years clear of any symptom or intervention
• This two year period is increased to five years in the case of heart conditions and cancer
• Once you have been medical advice and treatment-free for two years (five years for heart or cancer) those conditions may become eligible for cover under the terms of your policy
• If you do experience symptoms or seek advice and treatment for the condition then the two year / five year exclusion period will start over

If you do not have pre-existing health conditions then our Protector Plans with full medical underwriting are likely to be more cost-effective.