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Gout Life Insurance

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Gout Life Insurance, Critical Illness Cover and Income Protection

The Insurance Surgery are experts in helping people with a pre-existing medical condition to protect themselves financially if anything were to happen to them, such as Gout life insurance, critical illness cover and income protection. If you are classed as non-standard by insurance underwriters because of your medical history then you may find that your life insurance, critical illness cover and income protection options could be different to a person with no medical issues or other risk factors. People with Gout who are looking for life insurance, critical illness cover or income protection will usually find that there are additional requirements to provide information about their condition and health which we will explain in this section.

Our team of Gout life insurance, critical illness cover and income protection experts has helped thousands of people with various medical issues to get the right cover to protect themselves and their families. Underwriting will vary from one insurance provider to another which is why it is so important to speak to a specialist who can help to guide you towards the most suitable companies for your Gout life insurance, critical illness cover and income protection needs.

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

Having Gout isn’t necessarily an issue for someone looking for life insurance, critical illness cover or income protection but there are certain bits of information that you will need to provide about your condition, such as:

  • Your age when first experienced symptoms
  • Date of last flare up
  • Any treatment or medication
  • Frequency and severity of symptoms
  • Any other medical issues (e.g. Diabetes)

For more information about Gout life insurance, critical illness cover and income protection contact The Insurance Surgery and our team of experts will explain how it all works.

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Gout life insurance

There is a good chance of getting Gout life insurance at standard rates and cover can be obtained without many issues such as medical reports, especially for mild to moderate severity. In some cases there is a possibility that you may be required to provide some additional information about your condition for Gout life insurance to underwriters for them to be able to assess your application, especially where there are other medical issues such as Diabetes.

Several key factors that will be taken in to account for Gout life insurance by insurance underwriters will include:

  • How old were you when you first experienced symptoms
  • How often do you experience symptoms
  • Which joint(s) are affected
  • What treatment or medication do you take
  • Do you suffer from any other medical or health related issues

Gout life insurance is usually considered to be a lower risk factor than some other medical conditions and therefore is often treated as a standard application. You will often find that there are certain additional issues which may result in underwriters wanting to view your medical records, such as Diabetes, Kidney problems or Raised Blood Pressure.

If you need more information, advice or a quote for Gout life insurance then you should contact The Insurance Surgery by completing our online enquiry form or by speaking to one of our team of experts.

 

Gout critical illness cover

Critical illness cover for someone suffering from or who has recently suffered from Gout will usually be obtainable without any issues and often will have no need to provide additional medical information. In some cases where the condition is more severe or if there are additional medical disclosures for Gout critical illness cover there may be more requirements for information from insurance underwriters.

Gout critical illness cover premiums and rates will vary from one insurance provider to another depending on their attitude to risk and their underwriting rules for Gout. You will find that insurance premiums and cover options for Gout critical illness cover will be different between insurance providers which is where our experts are able to help.

There are certain circumstances where there could be restrictions or an additional premiums loading for Gout critical illness cover due to extra risk factors, such as:

  • Additional medical disclosures such as Diabetes, Kidney problems or Raised Blood Pressure
  • Multiple joints affected
  • Recent and more severe symptoms

If you are looking for more information, advice or a quote for Gout critical illness cover then speak to our experts to find out what we can do to help you to get the cover you need and to save you money.

 

Gout income protection

If you have been diagnosed with or previously suffered from Gout and need Gout income protection then you will often have no issues getting cover, especially if your condition is mild with infrequent symptoms. For Gout income protection the insurance underwriters will want to know when you last had any flare ups and whether you have had any time off work recently.

In most cases we have seen for Gout income protection there has been no need to provide medical evidence or to provide copies of GP reports unless the condition was particularly severe.


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For more information or advice about Gout life insurance, critical illness cover or income protection contact The Insurance Surgery and one of our experts will help you.

 

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