Iron Deficiency Anaemia & Life Insurance

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Iron Deficiency Anaemia & Life InsuranceWe understand that being diagnosed with iron deficiency anaemia, can be quite a concern. It can also be a big relief to finally know why you have been feeling the way that you have.

When you speak with our advisers we will listen to you about your diagnosis, and also listen to what it is that you want to achieve from having the insurance.

We can then help you find the right insurance to suit you needs. To help us, it is really helpful if you have this information to hand:

  • When were you diagnosed with iron deficiency anaemia?
  • Are you now fully recovered?
  • Was the anaemia caused by another condition or medication you were taking?
  • What medications or treatments have you needed?

Life insurance for people with iron deficiency anaemia, may be available at standard terms if the condition is well controlled through iron tablets and/or diet.

It’s really important to make sure that you clearly answer, all the questions that are asked of you. It may be that if your anaemia was quite recent, or that your treatment has not yet returned your iron levels into normal ranges, that the insurer asks to see a report from your GP to confirm our health. This is only done with your expressed permission and the insurer covers the costs.

If you are prescribed B12 injections please see our vitamin B12 folate deficiency anaemia page.


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 that have had iron deficiency anaemia, may also be available at normal terms. This will be dependent upon your symptoms being well controlled, or having had a full recovery.

Any long lasting symptoms that you have from the iron deficiency anaemia or any other conditions, will most likely need to be detailed in your critical illness application.


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

Income protection for people with iron deficiency anaemia will be underwritten with a clear focus upon any time that you have had off work due to the condition.

It is possible that your income protection application will be accepted at normal terms. This is most likely if the anaemia is well controlled through medication and/or dietary management.

It is possible that some income protection policies might come with an exclusion for claims relating to your anaemia, so it is really important to have a good scour through the terms and conditions. Or, get one of our advisers to do all that hassle for you.



When you go on holiday the last thing that you want to do, is worry that you don’t have the right insurance. It’s always worthwhile making sure that when you get travel insurance, that it suits you and your health, and will do what you want it to do, if you need to use it. See our dedicated travel insurance page.

What is Iron Deficiency Anaemia?

Iron deficiency anaemia is diagnosed when the body is unable to produce enough red blood cells for organs and body tissue to receive sufficient oxygen, due to a lack of iron in the body. The most common cause of iron deficiency anaemia is the development of gastrointestinal bleeding which is generally caused by the use of non-steroidal anti-inflammatory drugs (NSAIDs), stomach ulcers, stomach, colon or bowel cancers and angiodysplasia.

Also known as: IDA

Linked with: Stomach cancer, stomach ulcer, colon cancer, bowel cancer, tachycardia, heart failure, tinnitus, Chronic Kidney Disease (CKD), angiodysplasia, inflammatory bowel disease, Crohn’s disease, ulcerative colitis, oesophagitis, coeliac disease

Some potential problems experienced by individuals who have iron deficiency anaemia include:

  • Dietary considerations
  • Difficulty swallowing (dysphagia)
  • Mouth ulcers
  • Spoon-shaped nails
  • Feeling itchy
  • Hair loss
  • Heightened care during pregnancy and menstruation
  • Malabsorption
  • Tiredness
  • Heart palpitations
  • Pale complexion
  • Shortness of breath
  • Headaches
  • Ferric Carboxymaltose (Ferinject)
  • Iron Dextran (CosmoFer)
  • Iron Sucrose (Venofer)
  • Iron supplements

By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).

Common Questions

It’s quite likely that we have some options for you. We might be able to look at standard insurers, if you no longer have anaemia and are feeling well again. If you do still have the anaemia or are experiencing some long lasting symptoms, then it may be that we need to look at some more specialist options for your policy.

Client Reviews

Cura Financial Services has been rated 5 out of 5 based on 541 reviews.

Review by Spencer on 10th December 2020

Mark has been incredibly helpful. Best service 10/10. My wife Simone called and spoke to Mark who was incredibly helpful and found us both insurance when we were struggling to get cover elsewhere. Amazing service. Mark made my wife feel at ease in discussing private and confidential matters. The best financial service we have ever dealt with. Thank you Mark. - 5 

You can read more of our reviews here.

Iron Deficiency Anaemia & 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

Iron Deficiency Anaemia & Life Insurance

Client Reviews

Iron Deficiency Anaemia & Life Insurance

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