Jaundice & Life Insurance
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Jaundice & Life Insurance
Jaundice can potentially be the sign of a life threatening condition and when you apply for life insurance, insurers will want to know more about your health.
For many people jaundice is a sign that something is not working as it should within the body, that is then quickly resolved with some treatment. There are some key things that insurers will want to check with you, before they are able to consider your application for life insurance.
To get things started we will ask you:
- When did you have jaundice?
- Do you know what caused the jaundice?
- Are you now fully recovered and no longer have jaundice?
Most insurers will focus upon the cause of your jaundice rather than the jaundice itself, when assessing your life insurance application. The causes of jaundice are very varied and the options for life insurance will depend significantly upon what has led to you having jaundice.
Regardless of the cause of your jaundice, it’s quite likely that the insurer will want to see that you no longer have jaundice before they offer you life insurance. This is because it’s a really good indication to them that your body functions are getting back to where they should be.
The cause of your jaundice will determine if you can get life insurance on the standard market or with a specialist insurer. As an example, people living with sickle cell disease often have options on the standard market, but if your jaundice is caused by alcohol consumption and you still actively drinking it’s likely that a specialist insurer will be needed.
If you have newborn jaundice and it was not caused by any underlying health conditions, this should not cause any issues for you getting life insurance.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Jaundice & 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.
Jaundice can be linked to problems with the liver and other areas of the body, and critical illness cover usually insures people if they were to experience organ failure. This means that it can be trickier to get critical illness cover if you are currently experiencing jaundice, as it can indicate that one of your organs has some strain on it.
If you have had jaundice in the past and are fully recovered, with no lasting complication or underlying health conditions, then it’s likely that you can arrange critical illness cover on the standard market.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Jaundice & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection can have quite strict acceptance criteria as statistics show that you are far more likely to claim on this, than say you are to claim on life insurance. This means that if you actively have jaundice most insurers will not want to offer your income protection, until they feel comfortable that you are fully recovered from this. It’s worth noting that the insurer’s timeframe for fully recovered is often a bit longer than what your GP’s timeframe.
If you have had jaundice in the past and are fully recovered, you might be able to get income protection on the standard insurance market, but this will depend upon the cause of your jaundice.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Jaundice & 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 Jaundice?
Jaundice is usually noticed when someone’s skin colour or the whites of their eyes start to look yellow. It is caused by the build up of bilirubin in the body.
Linked with: Alcohol linked fatty liver disease, hepatitis, pancreatitis, sickle cell disease
Possible Effects on Lifestyle
There are no specific symptoms that will affect lifestyle due to jaundice itself, but the conditions that cause jaundice can affect a person’s quality of life.
Medications and Treatments
Treatments for jaundice will depend upon the underlying condition that is causing it.
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 is lovely to hear from you. I would not usually expect an insurer to decline life insurance for jaundice that has happened that long ago. This can potentially happen for a couple of reasons. The first is that you have a health condition or lifestyle factor that is leading the insurer to decline your life insurance application.
Another reason can be that if they went for a report from your GP that there is something in there that is causing the decline. It might be that there is an error in the report that simply needs correcting. If you would like to chat more we can go through your medical history and let you know the best life insurance policy for you.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 800 reviews.
Review by Charlotte on 24th October 2023
“Brilliant service. Amy was fab in getting cover sorted for me at a good price when others had denied and great at chasing things up too. Many thanks.” - 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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