Long Covid & Life Insurance

Long covid is a complex condition that medical professionals are still trying to understand. This can make getting insurance trickier as insurers usually like to fully understand a condition before they will consider offering life insurance.

One of the key reasons for this is that medical professionals and insurers are still uncertain about what long covid is and the long term affects it can have on your body.

To find the best life insurance for you, we’ll need to know a number of things, including:

• When were you diagnosed with long covid?
• How long have you had symptoms from covid-19?
• What symptoms do you experience?
• What medications do you take?
• What treatments have had?
• Are you able to still work?

There’s no one set insurer or terms that are offered for life insurance when you have long covid. It’s a case by case assessment as the symptoms can be so different for everyone.

Your life insurance application will be reviewed based upon your specific symptoms. If you have mild symptoms and you are still able to go about your day as usual, you might be able to get standard terms for life insurance.

Your symptoms might be neurological or linked to your heart. This can mean that you really need to research the market to find the right insurer for you. You might get normal terms for life insurance but this might not be possible if your symptoms mean that you can no longer work or do day to day activities.

It is possible that you could be offered life insurance at non-standard terms which is usually an increase to the premiums. If you are having ongoing tests or your symptoms are quite strong you can find that some insurers will postpone or decline your life insurance application.

Our award winning advisers will give you an honest and clear view of the right insurer and best life insurance policy for you.

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.

Your critical illness cover will be assessed in a similar way to life insurance. Your options will come down to what symptoms you have and how much they are affecting your life.

If you experience heart related symptoms the insurer will want to know more, to make sure that they fully understand how long covid is affecting you.

Your application for critical illness cover with long covid could be accepted at standard rates, in some circumstances. It’s also possible that your insurance could be offered at a higher premium, postponed or declined.

Our advisers are trained to listen to what you need, your circumstances and then find the right insurer to match you.

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

Income protection can sometimes be a bit trickier to arrange for someone that has long covid. If you still experience fatigue, unexplained tingling or are having to work reduced hours this can really influence your choices.

The insurer will want to know about any time you have had off work due to the long covid. If you are currently unable to work it will not be possible to arrange a new income protection policy for you.

Income protection can be set up in many ways and there are a lot of insurers offering this kind of cover. Our expert advisers will search the market for you and let you know the best way to protect your income and give you peace of mind for the future.

Having long covid can mean that you need to do some pretty specific research to make sure that your travel insurance is going to support you. You can get a no obligation quotation through our travel insurance page.