Pneumothorax & Life Insurance
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Pneumothorax & Life Insurance
Experiencing a collapsed lung is something that can really make you re-evaluate your life plans. Part of this can be looking at life insurance.
A collapsed lung is something that is likely to come up in most life insurance applications in the UK, for a good few years after it has happened. The options for life insurance that you have will depend upon the cause of the collapsed lung and your recovery.
To find the best life insurance policy for you we will ask you:
- When did you have a collapsed lung?
- How many times have you experienced a collapsed lung?
- What was the cause of your collapsed lung?
- Do you use any nicotine based products?
- Are you fully recovered from the collapsed lung?
There is the potential that for life insurance at standard terms if you have fully recovered from having had a collapsed lung. This will be dependent upon what caused the pneumothorax and how long ago it happened.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Pneumothorax & Critical Illness Cover
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Depending upon the cause of your collapsed lung you might be able to arrange critical illness cover at normal terms. The insurer will want you to be fully recovered with no long lasting symptoms, for them to consider this.
It is also possible that an insurer could place exclusions on your critical illness cover regarding your lungs, or potentially decline your application. This is most likely if your pneumothorax happened in the last few years.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Pneumothorax & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
If you experienced a collapsed lung in the last 5 years, it is possible that an insurer will place an exclusion regarding your lungs on your income protection policy.
Depending upon how long ago the pneumothorax happened you might find that some insurers decline your application for income protection. Please don’t worry if this is the case as we have specialist income protection policies that we can arrange for you.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Pneumothorax & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is a Pneumothorax?
A pneumothorax develops as a result of air filling the space around the lungs, making it difficult for them to expand. Problems with air leaking from the lungs into the space can cause this condition, although external factors such as trauma to the chest area allowing air into this space, can also be involved. In cases where a Pneumothorax is large, draining the air is necessary. People who scuba-dive or go mountain climbing may experience this due to the changes in air pressure.
Also: Collapsed lung, Primary pneumothorax, Secondary pneumothorax, Traumatic pneumothorax, Iatrogenic pneumothorax, Bilateral pneumothorax, Tension pneumothorax, Primary spontaneous pneumothorax (PSP), Secondary spontaneous pneumothorax, emphysema, Familial pneumothorax, catamenial pneumothorax
Linked with: Asthma, Cystic Fibrosis, COPD, Smokers, Scuba diving, Mountain climbing, tuberculosis, lung cancer, idiopathic pulmonary fibrosis (IPF), sarcoidosis, lymphangioleiomyomatosis (LAM), Birt-Hogg-Dubé syndrome, Marfan syndrome, vascular Ehlers-Danlos syndrome, Loeys-Dietz syndrome, tuberous sclerosis, alpha-1 antitrypsin deficiency, endometriosis
Possible Effects on Lifestyle
Some of the symptoms people may experience after having a collapsed lung:
- Another collapsed lung
- Avoidance of some sports e.g. scuba diving
- Breathlessness
- Delaying air travel
- Reduced exercise
Medications and Treatments
- Chest drain
- CT scan
- Endobronchial valve placement
- Intercostal drain
- Oxygen
- Pain relief
- Pleural aspiration
- Pleural vent
- Pleurodesis
- Prophylactic antibiotics
- Surgery
- Thoracic ultrasound
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, it’s lovely to hear from you. I’m sorry that you experienced this and hope that you are ok and fully recovered. As the collapsed lung was caused by an accident, rather than a health conditions, insurers will most likely be fine considering your application for life insurance.
One of the team will be in touch to go through the options and pricing for life insurance with you.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 827 reviews.
Review by Andy on 5th March 2025
“Excellent Service! Great service, cannot fault the excellent customer service and support. Staff responded quickly to emails, even out of normal office hours! Would highly recommend and they found me a life insurance policy when other brokers failed. Overall, a superb service and one that I have no hesitation recommending.” - 5
You can read more of our reviews here.
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Dr Kathryn Knowles Phd
Author
This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here
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