Autoimmune Disorders & Life Insurance
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Autoimmune disorders are incredibly varied, both in terms of the severity and complexity. Everyone is individual, no two people have the same experiences and we are here to listen to your specific story.
As there is such a broad range of conditions, the potential terms of insurance include the cost of the cover can hugely vary. It’s not possible to say that any one specific insurer is best for people with an autoimmune condition, every person needs to have their individual applications fully researched across the market.
Most insurers will want to know as much as possible about your particular condition.
This will include:
- The specifics of what your condition is?
- How your condition affects your general day to day life?
- How well controlled your condition is?
- The treatment or medication you take for it?
- Any complications associated?
- Any hospital admissions as the result of your condition or a related complication?
It may seem daunting initially, but we can help you to understand the information required, as we specialise in helping those with complex conditions, to secure appropriate life insurance.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Critical Illness Cover for people who have autoimmune disorders is often available, but as the range of conditions is so varied, so are the premiums. It may be that some of critical illness options on offer, will have exclusions for conditions specifically linked to your diagnosis. It may be that your application needs to be placed with a specialist insurer.
As with life insurance, the insurer will want to know as much as possible about your health. We have many dedicated pages for autoimmune disorders on this website, such as type 1 diabetes, crohn’s disease and multiple sclerosis. Please look at the one that is most relevant to your needs, listed at the bottom of this page.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
As with other types of insurance, people with autoimmune disorders may be considered for income protection. The insurer will be looking at the seriousness of the condition and how this has affected your ability to work in the past and how it affects your long term prospects of being able to remain in work.
You may find that a short-term Accident and Sickness policy, that can provide you with a monthly benefit should you be unable to return to your job for up to 24 months, might be a better option.
What are Autoimmune Disorders?
Autoimmune system disorders are classified as those conditions in which the body’s immune system stops working correctly, increasing the risk of external pathogens causing serious illness. An autoimmune disease is a lifelong condition that cannot be cured, but can be managed effectively with modern medicine to reduce its affect upon the diagnosed person’s daily life.
Autoimmune Disorder Conditions:
The Special Risks Bureau regularly source Life, Life and Critical Illness and Income Protection application requests for the following autoimmune system disorders:
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