Reviewable exclusions

Taking another look at your income protection policy

Sometimes, income protection insurance can have what’s called an exclusion added. An exclusion means that certain conditions aren’t included in your policy – meaning you can’t claim for it in the future.

You might be given an exclusion if you already have a health issue when you take out your policy, as that could mean you’re more likely to claim for that condition.

In the future, your health might change − normally you don’t need to tell us. But if you’ve got an exclusion on your policy, we may be able to remove it. Meaning you’d now be able to claim on that condition if you needed to.

To see if we can take another look at your exclusion, you’ll need to check the cover summary of your policy when you first took it out.

When we can look at your exclusion

There usually needs to be a gap of at least two or three years since your last symptoms. It varies depending on what the exclusion was for and the symptoms you had.

Get in touch

You can call our underwriting team on 0345 600 6812 or email us at to discuss removing your exclusion. And in case you were wondering, if an exclusion does get removed – there will be no charge to the premium you pay.

Examples of looking at your exclusion

Example 1: Mrs Smith’s knee injury

Mrs Smith to re her right knee ligaments three months before applying for income protection. Her policy was accepted with a ‘reviewable right knee exclusion’. Since taking out her policy, Mrs Smith has fully recovered from her torn ligament and hasn’t had any symptoms in over two years. Mrs Smith contacted us to let us know that her health had improved and the exclusion for her right knee was removed from her income protection policy.

Example 2: Mr Jones’s stress

Mr Jones suffered from stress and had two months off work in the year before he applied for income protection. His policy was accepted with a ‘reviewable mental health exclusion’. Since taking out his policy, Mr Jones has had no further episodes of stress since his time off work and hasn’t needed any treatment in over three years.Mr Jones let us know how he was getting on and the exclusion for mental health was removed from his income protection policy.

Example 3: Mr Wilkinson’s bad back

Mr Wilkinson experienced his first symptoms of back pain a year before applying for income protection. His policy was accepted with a ‘reviewable back exclusion’. Fast forward two years, Mr Wilkinson still has his policy but he has started to get some back pain again. Mr Wilkinson contacted us to ask if we can remove the back exclusion. As his back pain has been recurrent, we couldn’t remove the exclusion from his policy at this time.