Disability and health insurance
Find out about getting insured and what you can claim for with a
disability.
Edited by:
Mark Flaherty, health insurance expert at Bupa
Last updated 1 November 2024
2 minute read
Can I get health insurance if I’m disabled?
Yes, generally people with disabilities can get health insurance to cover any future conditions they develop, but it’s unlikely that pre-existing conditions would be included in the cover.
When you apply for health insurance, you’ll be asked about your medical history.
Any health issue you have before you’re insured, including a disability, is a pre-existing condition.
How will my disability affect what I can claim for?
It’s important to tell health insurers everything about symptoms linked to your disability. Whether you’re diagnosed or not.
Insurers wouldn’t cover the disability or associated symptoms.
Sometimes, certain conditions are reviewed when renewing your health insurance.
Developing a disability when you already have health insurance
If you’re diagnosed with a disability that has no known cure, usually your health insurance won’t cover you.
You’ll be able to access treatment for your condition through the NHS.
You can still use your health insurance for new symptoms and conditions, as long as they’re not linked to your disability.
You may be able to access mental health support through your insurance when being diagnosed with a disability or chronic condition.

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Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales with registration number 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales with registration number 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.