Chronic Fatigue Syndrome & Life Insurance

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Chronic Fatigue Syndrome &  Life InsuranceWe know that the symptoms of chronic fatigue syndrome and the way it affects each person, can differ considerably.

Life insurance for people living with chronic fatigue syndrome may be available on normal terms with some insurers, provided that your condition is well managed.

Insurers will be want to know:

  • When you were diagnosed with the condition
  • Details of any medications or treatments that you follow
  • How often your tiredness flares up
  • Any time you have had to take off work as a result of your chronic fatigue syndrome
  • Any secondary conditions e.g. depression

Depending upon your individual circumstances, you may be offered a policy on standard or non-standard terms (higher premiums).

Our team have experience in finding the best life insurance for people with chronic fatigue syndrome and can explain the application process for you without jargon!

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.

When you apply for critical illness cover with chronic fatigue syndrome, you’ll need to provide specific information about your CFS and your overall health.

Ultimately, the insurer is going to need to understand how much the condition affects you on a day to basis and the full extent of the symptoms you experience.

The insurer might ask you if it is ok for them to speak with your GP, so that they can get a full picture of your health, treatments and medications, before they consider offering terms.

It is not uncommon for the cover to be offered, but with certain medical conditions being excluded. The availability of standard or non-standard terms will depend upon your individual circumstances. 

Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.

Income Protection when you have chronic fatigue syndrome, can be available in some circumstances. It may be that your application needs to be placed with a specialist income protection provider, that is able to consider it.

If you have experience of chronic fatigue symptoms is in the past, with no recent symptoms, you may be offered income protection at standard terms. 

For people that have active symptoms of chronic fatigue syndrome or any other secondary conditions that affect day to day living, income protection policies might be more difficult to arrange.

We are happy to research the market for you  to see which insurers might be able to support your application. We will simplify things as much as possible for you, so that you find the application process as stress free as possible. 

There may be times when long-term income protection policies are not available to you, or you simply don’t like what is on offer.
If this is the case you may want to look at an alternative option known as Accident, Sickness and Unemployment cover. This type of policy will replace your income for 12 to 24 months if you are ill and unable to work, or are made involuntarily unemployed.
These policies are quite easy to set up as they are non-medically underwritten. This means that you can be accepted for the policies, without going through your medical history. But, it’s also important to be clear that these policies will typically exclude any claims relating to pre-existing conditions.

Chronic Fatigue Syndrome is a condition that also may affect your travel insurance application. So, if you are heading off on holiday, or for a short break, speak to a specialist. Find out more by visiting our travel page here.

What is Chronic Fatigue Syndrome?

Chronic fatigue syndrome is a long-term illness that causes severe fatigue regardless of the amount of rest a person has had. There is no definitive cause of chronic fatigue syndrome but it is believed that a viral infection, immune system problems, hormone imbalance, genetics, high stress or a traumatic event could be the cause.

People that have this condition can face difficulty getting other people to understand the illness, as there can be a negative perception that it is just over tiredness.

Also: Myalgic encephalomyelitis (ME), CFS

Linked with: Insomnia, depressionpanic attacks

Some people may experience some or all of the following symptoms and problems:

  • Balanced diet regime
  • Brain fog
  • Extreme tiredness
  • Heart palpitations
  • Nausea
  • Poor concentration
  • Relapses
  • Stomach pains
  • Thorough planning of activities and daily structures 
  • Anti-depressants (Amitriptyline)
  • Anti-emetics
  • Cognitive behaviour therapy (CBT)
  • Graded exercise therapy (GET)

Common Questions

Some people living with chronic fatigue syndrome do have secondary conditions as the result of their condition. You will need to declare this during the application process and will be asked to provide further information about the impact this has on your day to day health. Please do not worry though, this is what we are here for!

If you’ve previously had symptoms of Chronic Fatigue Syndrome, but have not experienced symptoms for some time, you may be able to get life insurance on standard terms. It will depend upon a number of factors and the best thing to do is speak to one of our industry trained advisers.

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Review by Allan on 1st October 2017

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Chronic Fatigue Syndrome &  Life Insurance

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here

Chronic Fatigue Syndrome &  Life Insurance

Client Reviews

Chronic Fatigue Syndrome &  Life Insurance

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