Ménière’s Disease & Life Insurance
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Ménière’s Disease & Life Insurance
Living with Ménière’s disease can be difficult and each person may experience this slightly differently.
We are here to ensure you have the support you need when buying life insurance.
Things we need to know:
- When were you diagnosed with Ménière’s disease?
- How often do you experience symptoms?
- What medications/treatment do you have?
- Are there any lasting complications?
- Are you due to have surgery?
Life insurance for people with Ménière’s disease can often be available at normal terms. This is dependant on the strength and regularity of your symptoms, and that there are no secondary illnesses contributing to your health.
If you have any conditions that are causing the Ménière’s disease, then the insurer may wish to speak with your GP to get a clear picture of your health before they are able to offer cover. This is quite common and should hopefully not cause you any concern. The reports are only accessed with your expressed permission.
Ménière’s Disease & 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 Ménière’s disease will typically be accepted at special terms, in which a deafness exclusion is applied to the policy.
Ménière’s Disease & Income Protection
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 Ménière’s disease may be available at normal terms, where the condition presents few symptoms that do not greatly affect your day to day living, or ability to work.
If the condition causes significant symptoms or has caused time off work, then the insurer may place an exclusion on the policy for any claim related to Ménière’s disease or hearing/balance problems. If you experience strong symptoms, it is possible that your application for income protection may be declined with some insurers.
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If the terms provided for income protection do not meet your requirements then you should consider the alternative of an accident, sickness and unemployment policy. An accident, sickness and unemployment policy will pay a short-term monthly income replacement if you are unable to work due to disability, long-term illness or involuntary redundancy.
Applications for this type of policy are not medically underwritten which will mean that your diagnosis of Ménière’s disease will not effect the acceptance terms. However any claim that you place will be rejected if you are unable to work due to circumstances directly related to the Ménière’s disease.
Ménière’s Disease & Travel Insurance
Are you planning on a holiday? We work alongside a specialist travel insurance broker that can help you to find the right cover for your needs. We have a dedicated travel insurance page for you to find out more.
What is Ménière’s Disease
Ménière’s disease is an inner ear condition that is believed to be linked to problems with pressure within the ear. Flare ups of the condition typically start with feelings of vertigo and nausea that can last anywhere from a few hours to a few days. There is the potential that after a number of years the condition may stop, but the individual may be left with some lasting complications such as tinnitus.
Also known as: Endolymphatic hydrops
Linked with: Tinnitus, vertigo, stress, depression, anxiety
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Ménière’s disease include:
- Dietary restrictions
- Vestibular rehabilitation
- Loss of balance
- Loss of hearing
- Dizziness
- Nausea
Medications and Treatments
- Anti-histamines
- Aprepitant (Emend)
- Betahistine dihydrochloride (Serc)
- Chlorpromazine hydrochloride (Largactil)
- Cinnarazine
- Cognitive behavioural therapy (CBT)
- Cyclizine lactate (Valoid)
- Destructive surgery to the balance part of the audio-vestibular nerve
- Domperidone (Motilium)
- Domperidone maleate (Motilium tablet)
- Endolymphatic sac decompression
- Gentamicin – selective destructive surgery
- Granisetron hydrochloride
- Grommets
- Hyoscine (Scopoderm TTS)
- Kytril
- Labyrinthectomy (destructive therapy)
- Metoclopramide
- Micropressure therapy
- Nabilone
- Ondansetron (Zofran Melt, Zofran Suppository)
- Ondansetron hydrochloride
- Prochlorperazine maleate (Buccastem, Stemetil tablet)
- Prochlorperazine Mesilate (Stemetil)
- Promethazine
- Steriod injections to the eardrum
- Trifluoperazine hydrochloride
- Zofran
Further Reading and Research
Common Questions
There are a couple of things that might happen when you apply for life insurance. Your application may be accepted quickly, or the insurer might want to see a report from your GP to confirm your health. You may find that some insurers decline your application for life insurance, but that is not likely to happen, unless you are due to have surgery.
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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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