Hughes Syndrome & Life Insurance

Request a Callback

By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.

Caring - Understanding - Reliable - Advice

Home » Health Conditions » Hughes Syndrome & Life Insurance

Hughes Syndrome & Life Insurance

Please note that the most up to date information can be found on our dedicated APS page.

Life Insurance for people with Hughes syndrome can be available with a number of insurance providers.

This will be dependant upon if the condition has led to any secondary illnesses e.g. lupus, or if there have been any blood clots within the last few years. If there has, don’t worry, it may just be that more specialist insurers are required.

It is likely that the cost of life insurance, will be a bit higher than the standard premium. The main thing is to find the insurer that is going to offer you the best terms, based upon what you need.

Hughes Syndrome & 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 with Hughes syndrome may be available. This is most likely if the condition has caused no blood clots or secondary illnesses, in the last few years. The insurance is likely to only be available with specific insurers and it is essential that in-depth research is done for you, to make sure that you access the best price for the cover.

Get a Critical Illness Cover Quote

Hughes Syndrome & Income Protection

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income protection applications for people with Hughes syndrome, will need to be placed with a specialist insurer. It will be important to have a good think about the options that you will be presented with. You might be offered income protection with an exclusion for claims relating to the Hughes Syndrome, and/or a premium increase.

Where income protection is declined, or the terms on offer don’t feel right to you, it may be worthwhile considering Accident,Sickness and Unemployment cover instead.

An Accident, Sickness and Unemployment policy can provide 12 to 24 months of income protection should you be unable to work due to disability, serious injury or involuntary redundancy.

This type of policy is not medically underwritten at the application stage meaning that Hughes syndrome will have no bearing on the acceptance terms. However any claim that you place will exclude inability to work due to the pre-existing condition.

Get an Income Protection Quote

What is Hughes Syndrome?

Hughes syndrome is an autoimmune condition that causes an increase in the production of antiphospholipid antibodies that can then increase the likelihood of blood clots forming. The condition tends to affect young to middle aged adults and is often more prevalent in females.

Also Known as: Antiphospholipid syndrome (APS), ‘sticky’ blood

Linked with: Autoimmune conditions, deep vein thrombosis (DVT), stroke, heart attack, transient ischaemic attack (TIAs), pulmonary embolism, catastrophic antiphospholipid syndrome (CAPS), systemic lupus erythematosus (SLE), rheumatoid arthritis, sjörgens syndrome, HIV, Guillain-Barré syndrome

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have Hughes syndrome include:

Pregnancy complications
Blotchy skin (livedo reticularis)
Superficial thrombophlebitis
Blood Clots
Double Vision
Pins And Needles
Recurrent Migraines
Balance Difficulties
Fatigue

Medications and Treatments

Hesparin
Low-dose aspirin
Warfarin

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).

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

Client Reviews

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."