Sickle Cell Anaemia Trait life insurance, critical illness cover and income protection
Sickle Cell Anaemia is a blood-related disease that affects a person's red blood cells. It is a serious condition, and mostly affects people from Caribbean or African family backgrounds. Sufferers of Sickle Cell Anaemia create red blood cells with an abnormal shape, causing health issues because they can create blockages in blood vessels and have a shorter life span than healthy blood cells.
Sickle Cell Anaemia is a genetic disease that can be passed down through families. If both parents of a child have the Sickle Cell Anaemia gene, there is a 25% chance that the child will develop or be born with the condition. The parents may be carriers of Sickle Cell Disease, but might not suffer from symptoms themselves. Screening is available in the UK to check for a presence of Sickle Cell Anaemia in pregnant women.
Symptoms of Sickle Cell Anaemia include:
- Severe pain (known as Sickle Cell crises)
- Heightened risk of infection
- Difficulty breathing
- Delayed growth (in children)
- Lung-related health issues
Treatments for Sickle Cell Anaemia include the following:
- Pain management medications, such as ibuprofen
- Keeping warm
- Staying well hydrated
- Antibiotics (taken daily)
- Medicines (hydroxycarbamide/hydroxyurea)
- Blood transfusions
- Bone marrow transplant
- Stem cell transplant
How Sickle Cell Anaemia Trait life insurance, critical illness cover and income protection works:
Insurers will assess the following main conditions for underwriting an application for Sickle Cell Anaemia life insurance:
- Severity of Sickle Cell Anaemia
- When you were first diagnosed
- Medications being taken to treat the condition
- Any other related health complications
- Whether Sickle Cell Anaemia runs in your family's medical history
The Insurance Surgery is a premier Sickle Cell Anaemia life insurance specialist. All we need from you is an overview of your condition and some details of your medical history so that we can identify the best life insurance providers and cover plans for your needs. Fill in one of our simple online forms for your free no-obligation quote for Sickle Cell Anaemia life insurance.
Sickle Cell Anaemia Trait life insurance
Underwriting for Sickle Cell Anaemia life insurance will depend on several factors in relation to your condition and the impact it has on your health. Insurers may ask you the following questions:
- When were you first diagnosed with Sickle Cell Anaemia?
- What medications or actions do you take to manage your condition?
- Have you received any transplant treatment for Sickle Cell Anaemia?
- How does the condition affect your daily activities?
- Can you work?
- Can you tell us more about how Sickle Cell Anaemia runs in your family?
Some applicants trying to get life insurance for Sickle Cell Anaemia may find that they are accepted on standard terms with no premium loading if their condition is managed and controllable. However, it is very usual that an insurer will want more details about your condition and to see your medical records before offering cover. In particular, an insurer may request details of medications you are taking, the date of your initial diagnosis, and details of any other medical-related complications. At The Insurance Surgery, we have helped many people find the right Sickle Cell Anaemia life insurance cover for their needs.
Additional criteria that could affect your Sickle Cell Anaemia life insurance premiums include:
- If you are a smoker
- Your general health and lifestyle
Ratings for Sickle Cell Anaemia life insurance can vary depending on a person's individual circumstances and the nature of their condition. At The Insurance Surgery, we can help you approach the right insurance provider that can meet your requirements.
Sickle Cell Anaemia Trait critical illness cover
Applications for critical illness cover tend to have stricter criteria in comparison to applications for life insurance. That said, many insurers will provide cover at standard rates for those with Sickle Cell Anaemia. Many insurers will however want to know your family's medical history and information of any medications you are taking. If your symptoms are seen as more severe, you might be offered cover with non-standard terms that are tailored to your situation.
Sickle Cell Anaemia Trait income protection
If you are looking for income protection and you suffer with Sickle Cell Anaemia, it is likely that an insurer will be able to give you cover. If you have had no medical complications, cover will likely be offered to you on standard terms. An insurer will also want to know if you have had any time off of work as a result of your condition.
- NHS Choices: https://www.nhs.uk/conditions/sickle-cell-disease/
- Sickle Cell Society: https://www.sicklecellsociety.org/about-sickle-cell/
The Insurance Surgery is a specialist life insurance expert for those suffering with Sickle Cell Anaemia and those who are carriers of the condition. We can help you find the right insurer and cover to suit your personal circumstances
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