Autoimmune Disorders & Life Insurance
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Autoimmune Disorders & Life Insurance
Autoimmune disorders are incredibly varied, both in terms of the severity and complexity. Everyone is individual, no two people have the same experiences and we are here to listen to your specific story.
As there is such a broad range of conditions, the potential terms of insurance include the cost of the cover can hugely vary. It’s not possible to say that any one specific insurer is best for people with an autoimmune condition, every person needs to have their individual applications fully researched across the market.
Most insurers will want to know as much as possible about your particular condition.
This will include:
- The specifics of what your condition is?
- How your condition affects your general day to day life?
- How well controlled your condition is?
- The treatment or medication you take for it?
- Any complications associated?
- Any hospital admissions as the result of your condition or a related complication?
It may seem daunting initially, but we can help you to understand the information required, as we specialise in helping those with complex conditions, to secure appropriate life insurance.
Our award winning advisers are here to make sure that your life insurance is placed with the best insurer to meet your needs. Get in touch with us for a no obligation quotation today.
Autoimmune Disorders & 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.
Critical illness cover for people who have autoimmune disorders is often available, but as the range of conditions is so varied, so are the premiums. It may be that some of critical illness options on offer, will have exclusions for conditions specifically linked to your diagnosis. It may be that your application needs to be placed with a specialist insurer.
As with life insurance, the insurer will want to know as much as possible about your health. We have many dedicated pages for autoimmune disorders on this website, such as type 1 diabetes, crohn’s disease and multiple sclerosis. Please look at the one that is most relevant to your needs, listed at the bottom of this page.
Autoimmune Disorders & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
As with other types of insurance, people with autoimmune disorders can apply for income protection. The insurer will be looking at how much your health condition affects your ability to work in, it at all. It might be that your income protection needs to be placed with a more specialist product, but there is usually an option for most people.
You may find that a short-term accident and sickness policy, that can provide you with a monthly benefit should you be unable to return to your job for up to 24 months, might be a better option.
Autoimmune Disorders & Travel Insurance
What are Autoimmune Disorders?
Autoimmune system disorders are classified as those conditions in which the body’s immune system stops working correctly, increasing the risk of external pathogens causing serious illness. An autoimmune disease is a lifelong condition that cannot be cured, but can be managed effectively with modern medicine to reduce its affect upon the diagnosed person’s daily life.
Autoimmune Disorder Conditions:
We regularly source Life, Life and Critical Illness and Income Protection application requests for the following autoimmune system disorders:
- Allergies
- Asthma
- Crohn’s Disease
- Grave’s Disease (Hyperthyroidism)
- Guillian-Barre Syndrome
- Hashimoto’s Thyroiditis
- HIV
- Multiple Sclerosis
- Myasthenia Gravis
- Psoriasis
- Rheumatoid Arthritis
- Systemic Lupus Erythmatosus
- Type 1 Diabetes
- Vasculitis
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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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