Frequently Asked Questions


Do I need to declare a pre-existing medical condition if it is controlled with medication and I no longer suffer symptoms?


Where medication is taken as directed by your doctor or consultant, symptoms can improve or disappear completely. However, although managed by medication, the underlying medical condition remains and must be declared as part of the medical booking process.


It is important that you answer all eligibility questions honestly and completely to ensure that if we are able to offer you a policy, the selected cover meets your needs.


Money Helper - Medical Directory


If you have or have had a serious pre-existing medical condition that Coverwise cannot offer cover for, Money Helper (provided by HM Government) can help you find specialist cover through their Medical Directory.


You can access the directory:


  • online through the Money Helper website
  • by phone on 0800 138 7777 - calls are free and lines are open Monday to Friday, 8am to 6pm