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Sickle Cell Anaemia Life Insurance

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Sickle Cell Anaemia life insurance, critical illness cover and income protection

The Insurance Surgery is a leading insurance expert for people who are classed as non-standard by underwriters which includes Sickle Cell Anaemia life insurance, critical illness cover and income protection. If you have a pre-existing medical condition then you may find that there are certain additional requirements and possible restrictions when it comes to applying for cover to protect your family. It can be possible to get cover in most instances and you should not be deterred from applying for Sickle Cell Anaemia life insurance, critical illness cover or income protection if you have been declined cover in the past. Some non-specialist insurance companies will simply not know how to deal with an application for someone with Sickle Cell Anaemia looking for life insurance, critical illness cover and income protection.

In this article we look at how the effects of Sickle Cell Anaemia can impact your application for life insurance, critical illness cover and income protection so you know what you can expect when you make an application. Our team of insurance experts has been helping people with pre-existing medical conditions such as Sickle Cell Anaemia to get life insurance, critical illness cover and income protection to protect themselves and their families for many years.

Symptoms of Sickle Cell Anaemia:

  • Periods of painful discomfort
  • Higher risks of infections
  • Visual issues
  • Fatigue or breathlessness
  • Strokes

There are a number of possible issues when applying for Sickle Cell Anaemia life insurance, critical illness cover and income protection due to the severity of the symptoms as well as possible additional risks of further medical issues.

How Sickle Cell Anaemia life insurance, critical illness cover and income protection works:

For someone looking for a policy to cover for Sickle Cell Anaemia life insurance, critical illness cover and income protection you should expect to be required to provide the following information about your condition:

  • What age you were when diagnosed
  • Treatment or surgery
  • Medication taken
  • Severity of symptoms
  • Other health or medical issues

For more help or advice getting a competitive quote for Sickle Cell Anaemia life insurance, critical illness cover and income protection, contact one of our team of insurance experts.

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Sickle Cell Anaemia life insurance

Generally you should be able to get cover for Sickle Cell Anaemia life insurance and in some cases there may only be a small increase in premiums depending on the severity of your symptoms. In all cases where applications are submitted to an insurance provider for Sickle Cell Anaemia life insurance there will be a requirement to provide medical evidence to support your application from your medical specialist or GP. Potential outcomes for Sickle Cell Anaemia life insurance can vary from a relatively small increase in premiums to possible decline depending on your own circumstances.

Some of the possible issues for underwriters assessing Sickle Cell Anaemia life insurance applications:

  • How old were you when you were first diagnosed with Sickle Cell Anaemia
  • Have you ever received a blood transfusion
  • What medication or treatment are you receiving
  • Have you had any surgery or been admitted to hospital

Insurance underwriting can vary dramatically from one insurance provider to another for Sickle Cell Anaemia life insurance depending on their attitude to risk for this type of medical condition. It is possible that you may not be able to get a Sickle Cell Anaemia life insurance from the standard high street insurance providers however there are specialist insurance products to provide some cover in these cases.

 

Sickle Cell Anaemia critical illness cover

It is not currently possible to get a policy for Sickle Cell Anaemia critical illness cover due to the risks relating to this type of medical condition.

 

Sickle Cell Anaemia income protection

As with critical illness cover, it is also currently not possible to get a Sickle Cell Anaemia income protection policy due to the levels of risks related to this cover and condition.


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For more information or help to get a competitive quote for Sickle Cell Anaemia life insurance, critical illness cover and income protection you can contact our team of experts on 0800 083 2829.

 

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