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Crohn's Life Insurance

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Crohns Disease Life Insurance

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How it works:

Some things that will be considered by underwriters when applying for Crohns Disease Life Insurance:

  • When you were diagnosed
  • Medication you take
  • Any treatment / surgery you have received or are awaiting
  • When was your last acute attack
  • How often do symptoms appear

The Insurance Surgery is a leading specialist broker helping people with pre-existing conditions such as Crohns Disease to obtain life insurance. We assess your personal circumstances to allow us to source insurance from the whole of the market.

Case Study 1

  • Client: Female
  • Age: 30
  • Smoker Status: Smoker
  • Condition: Crohns Disease
  • Cover Date: September 2015
  • Product Type: Level Term Assurance
  • Cover Amount: £100,000
  • Cover Term: 25
  • Premium: £19.05

Aviva's Price - £19.60. Zurich's Price - £24.50

Case Study 2

  • Client: Female
  • Age: 34
  • Smoker Status: Non-Smoker
  • Condition: Crohns Disease
  • Cover Date: May 2016
  • Product Type: Level Term Assurance
  • Cover Amount: £300,000
  • Cover Term: 35 years
  • Premium: £20.04

Case Study 3

  • Client: Female
  • Age: 31
  • Smoker Status: Non-Smoker
  • Condition: Crohns Disease
  • Cover Date: April 2016
  • Product Type: Decreasing Term Assurance & Critical Illness
  • Cover Amount: £70,000
  • Cover Term: 30 years
  • Premium: £27.48

Most Common Questions...

Yes, it will possibly influence the amount you pay each month for cover, to what degree, of course, depends on the severity of your condition, how often you suffer with it, any treatment you have required. All cases are individually assessed. Our team of advisors are experts at what is available on the market and who offers the best rates for Crohns.
We may be able to help you obtain Critical Illness Cover too. As with life insurance each case is individually assessed and sometimes exclusions can apply. Our expert advisors will look for the best cover available to you and will talk you through any exclusions if these are applied.
This isn’t a problem. Often this can simply be down to not applying through a specialist such as The Insurance Surgery. We can look across the whole of the market to find cover and a previous decline will not count against you in any way.
The Insurance Surgery have been helping people with pre-existing conditions such as Crohns Disease to obtain life insurance for over 16 years. We understand your condition and we know where to go to obtain you the best cover available for your circumstances. We do all the hard work such as obtaining GP reports and chasing up required information for your application to proceed.

Independent reviews at feefo.com

 

Facts and Stats about Crohns:

  • Around 115,000 people in the UK suffer from Crohns disease
  • Crohns is slightly more common in women than men
  • Typical age for diagnoses is between 10 and 40
  • You are more likely to be a sufferer if there is a family history of Crohns disease
  • 50-80% of sufferers will require surgery as a result of Crohns at some point in their life

What is Crohns Disease

Crohns is a condition that causes inflammation of the gut. Th affected area can occur at any point through the digestive system and can vary in size from just a few centimetres to a large stretch of the gut. Crohns is referred to as being 'chronic' as it is an ongoing condition without a cure, symptoms need to be managed. There can be times of good health, known as remission, and other times when acute attacks occur. Symptoms vary in type and severity but include stomach pains and diarrhoea, loss of appetite and weight and feeling tired and generally unwell.

Living with Crohns

With Crohns Disease comes some practical and emotional challenges of life. Sometimes time off work and other commitments is required through a flare up. It is a good idea to be open about your condition with families and your employer. Diet is another consideration as some find particular foods can aggravate the condition, this can be very individual so it is about finding what suits you.

Possible Complications

Inflammation of the bowel can cause scar tissue to form. This is referred to as a stricture and can cause an obstruction meaning waste cannot pass. Usually, surgery is required to rectify. Another possible complication is the development of ulcers known as fistulas. Small fistulas don't generally cause a problem but larger ones can become infected and cause additional symptoms, often these are treatable with medication, although surgery is sometimes required.

 

Useful Links:

Crohns and Colitis UK: www.crohnsandcolitis.org.uk
NHS Choices: www.nhs.uk/Conditions/Crohns-disease


If you have Crohns Disease and need travel insurance it is essential that you declare the Crohns Disease in your insurance application. At The Insurance Surgery we have made this process simple. When you use our Travel Insurance wizard you will be asked to declare any medical conditions, simply enter the details regarding your Crohns disease once and you will obtain over 20 quotes from various travel insurance companies.

As with all illnesses, Insurance Companies may increase the cost of your life insurance due to Crohns Disease. At The Insurance Surgery, we have over a decade of experience in knowing which Life Insurance companies will offer you the cheapest rates. The cost of your life insurance will depend on when the Crohns was diagnosed, what treatment you have received and when you last had a flare up. It may even be possible to secure your Crohns life insurance at standard rates.
Critical Illness Insurance for Crohns Disease is available dependent on when the disease was diagnosed and the severity and dates of symptoms and treatments. If you have been symptom and treatment free for a number of years you may even secure cover at standard rates.
As with all medical conditions it can be difficult to obtain Income Protection for Crohns Disease. The cover is generally available with the Crohns excluded and it may be possible to obtain cover without exclusions if there has been a substantial period without any flare-ups or other symptoms.
Private Medical Insurance will be generally available with anything related to the Crohns disease excluded. As Crohns is a chronic condition it is unlikely that cover will be available for the illness itself.div>
If you have Crohns Disease and need travel insurance it is essential that you declare the Crohns Disease in your insurance application. At The Insurance Surgery, we have made this process simple. When you use our Travel Insurance wizard you will be asked to declare any medical conditions, simply enter the details regarding your Crohns disease once and you will obtain over 20 quotes from various travel insurance companies.
If you are retiring and have a Personal Pension Policy it is worth considering an Impaired Life Annuity as when taking your Crohns Disease into account, it may substantially increase your retirement income.

If you live with Crohns disease and need cheap, competitive insurance The Insurance Surgery are the specialists to help.

At The Insurance Surgery, we aim to find the most competitive Insurance products for clients with Crohns Disease.

If you require Life Insurance, Travel Insurance or any other financial products we have, since 1999, specialised in sourcing cheap competitive quotes for Crohns Disease.

The Insurance Surgery was actually founded as the Managing Director's own Wife has Crohns and was having difficulty sourcing Life Insurance.

We have over the years developed an extensive knowledge of how different insurance companies treat the Disease and this allows us to direct you to the most suitable companies.

You will find below a short summary of how Crohns will affect your insurance needs. We strongly recommend contacting us and allowing us to assess your situation.

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