Iron Deficiency Anaemia & Life Insurance

We understand that being diagnosed with iron deficiency anaemia, can be quite a concern. It can also be a big relief to finally know why you have been feeling the way that you have.

When you speak with our advisers we will listen to you about your diagnosis, and also listen to what it is that you want to achieve from having the insurance.

We can then help you find the right insurance to suit you needs. To help us, it is really helpful if you have this information to hand:

• When were you diagnosed with iron deficiency anaemia?
• Are you now fully recovered?
• Was the anaemia caused by another condition or medication you were taking?
• What medications or treatments have you needed?

Life insurance for people with iron deficiency anaemia, may be available at standard terms if the condition is well controlled through iron tablets and/or diet.

It’s really important to make sure that you clearly answer, all the questions that are asked of you. It may be that if your anaemia was quite recent, or that your treatment has not yet returned your iron levels into normal ranges, that the insurer asks to see a report from your GP to confirm our health. This is only done with your expressed permission and the insurer covers the costs.

If you are prescribed B12 injections please see our vitamin B12 folate deficiency anaemia page.

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 that have had iron deficiency anaemia, may also be available at normal terms. This will be dependent upon your symptoms being well controlled, or having had a full recovery.

Any long lasting symptoms that you have from the iron deficiency anaemia or any other conditions, will most likely need to be detailed in your critical illness application.

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

Income protection for people with iron deficiency anaemia will be underwritten with a clear focus upon any time that you have had off work due to the condition.

It is possible that your income protection application will be accepted at normal terms. This is most likely if the anaemia is well controlled through medication and/or dietary management.

It is possible that some income protection policies might come with an exclusion for claims relating to your anaemia, so it is really important to have a good scour through the terms and conditions. Or, get one of our advisers to do all that hassle for you.

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When you go on holiday the last thing that you want to do, is worry that you don’t have the right insurance. It’s always worthwhile making sure that when you get travel insurance, that it suits you and your health, and will do what you want it to do, if you need to use it. See our dedicated travel insurance page.