Can you get CI if you experiencing illnesses?

Below is a partial list of conditions that will result in being automatically declined for critical illness coverage. Please do not submit an application for CI insurance if you have ever been diagnosed with any of the following conditions. Please note that there may be other conditions that could also result in your application being declined.
Note: If you are currently under a medical investigation, please wait until it has been completed before submitting an application.
Also, if any member of your immediate family (i.e. siblings and parents) has had one of these conditions, the policy may be rated, or in some cases, declined.
Adult
AIDS, AIDS-related disease or positive HIV
Treatment for alcohol or drug abuse in the last three years
Alzheimer’s disease
Aplastic anemia
Amyotrophic Lateral Sclerosis (ALS or Lou Gehrig’s disease)
Benign brain tumour
Cancer (some exceptions for skin cancer other than melanoma or certain early-stage cancers may apply)
Cystic fibrosis
Diabetes treated with insulin
Heart disease such as heart attack, angina, coronary bypass surgery, angioplasty or have replacement surgery
Huntington ’s chorea
Kidney failure
Motor neuron disease
Multiple sclerosis
Organ transplant
Parkinson’s disease
Permanent paralysis
Stroke or transient ischemic attack
Systemic lupus erythematosus
Juvenile
AIDS, AIDS-related disease or positive HIV
Aplastic anemia
Autism
Benign brain tumour
Cancer
Cerebral palsy
Cystic fibrosis
Congenital heart disease
Diabetes
Down’s syndrome
Kidney failure
Motor neuron disease
Multiple sclerosis
Muscular dystrophy
Organ transplant
Permanent paralysis
Stroke
Familial polyposis of the colon
Huntington’s chorea
Polycystic kidney disease
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