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Colitis Life Insurance

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Colitis life insurance, critical illness cover and income protection

The Insurance Surgery is a top insurance specialist for people who have suffered from or currently live with a pre-existing medical condition which includes Colitis life insurance, critical illness cover and income protection. If you need to protect your families financial future then you should consider life insurance to ensure that they are financially secure in the unfortunate event of anything happening to you. Even those with a medical issue such as Colitis life will still need insurance, critical illness cover and income protection to make sure that their children and partners. Generally if you have a pre-existing medical condition which is high risk then your application will be reviewed by underwriters and you could be required to provide copies of your medical records from your GP or specialist. There is also a range of possible outcomes when you are applying for Colitis life insurance, critical illness cover and income protection that can vary from standard rates up to possible decline if your condition is severe enough.

Here we look at how an application for Colitis life insurance, critical illness cover and income protection will be assessed by insurance underwriters to begin to explain what you might expect. It is also important to speak to a Colitis life insurance expert who has a good understanding of underwriting to be able to tell you which insurers would be best for you based on your circumstances.

Main types of Colitis:

  • Ischemic Colitis
  • Microscopic Colitis
  • Ulcerative Colitis

Different types of Colitis will have different implications when it comes to underwriting for Colitis life insurance, critical illness cover and income protection. It is also the case that rates and premiums for Colitis life insurance will vary dramatically from one insurance provider to another which is where our expertise comes in.

How Colitis life insurance, critical illness cover and income protection works:

If you are applying for Colitis life insurance, critical illness cover and income protection then you should be aware that your premiums and cover options will be based on your answers to questions such as:

  • Date diagnosed
  • Type of Colitis
  • Medication
  • Treatment
  • Other health issues

For more information about Colitis life insurance, critical illness cover and income protection or a free no obligation quote you can contact any of our team of experts on 0800 083 2829 today.

 

Colitis life insurance

There are a number of possible outcomes when applying for Colitis life insurance which can vary from one insurer to another and depending very much on your own circumstances. You will often be asked to provide a copy of your medical records from your GP or specialist which we will obtain on your behalf. It is possible to get Colitis life insurance at the same rates and premiums as someone with no medical issues where the symptoms are mild or if you have very few attacks. Often however it is more likely that your application for Colitis life insurance would be accepted with a slight increase in premiums depending on the levels of risk involved.

Premiums for Colitis life insurance will depend on:

  • How old were you when you were first diagnosed with Colitis
  • What type of Colitis do you suffer from
  • How many attacks do you suffer and how regularly are they
  • What are your symptoms
  • Which medication or treatment do you take

It is possible that in some instances where the symptoms are more severe or if the number of attacks are more frequent then you may find that premiums for Colitis life insurance could increase. You may have also already applied for Colitis life insurance in the past and have been declined cover because of your medical circumstances which we can review for you to ensure that your cover is appropriate or suitable based on your situation.

 

Colitis critical illness cover

It is also possible to get a policy to provide Colitis critical illness cover in some circumstances but there are also situations where it may not be possible to get this type of cover where the symptoms are more regular or severe. You should be aware that insurance underwriters may want to see copies of your medical records to support your application for Colitis critical illness cover which is generally the most common process.

It is likely that you will be offered non-standard terms for Colitis critical illness cover if you are eligible for cover based on the levels of possible risk for this condition. You could find that your policy will be offered with potential exclusions for certain related critical illnesses.

 

Colitis income protection

It may also be possible to get Colitis income protection cover in some circumstances where the symptoms are mild or infrequent. Insurance underwriters will want to know whether you have had much time off work in recent years due to your condition as well as your general health which will help them to assess your application for Colitis income protection.


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For more information about a quote or advice on Colitis life insurance, critical illness cover and income protection then you can contact one of our team of experts on 0800 083 2829 today.

 

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