Labyrinthitis & Life Insurance
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Having labyrinthitis can be quite an unsettling experience. The symptoms can be quite a shock and it can be quite worrying, as it can make you feel really poorly.
You may wonder if having the condition will affect your life insurance. We are here to help and support you in any way possible.
Things we need to know to get started:
- What was the cause of labyrinthitis ?
- How long did the symptoms last?
- How many occurrences have there been?
- Are there any lasting complications?
Most insurers will want to know if this is something that you experience regularly, and how long it has been since you last had it. They will also ask about any medication that you need to take for the labyrinthitis.
Some insurers may accept your policy with standard premiums. If your symptoms are strong and you have labyrinthitis recurrently your life insurance may be accepted with special terms (increased premium).
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.
Similarly to life insurance, when you have had labyrinthitis critical illness cover may be available at standard terms with some insurance providers, if the condition has been mild and is not currently present.
As with a life insurance application the insurer will want to know why the condition happened (viral or bacterial cause), how long your symptoms were active, if it was a one-off event or there have been multiple occurrences and any long-term symptoms you still have.
Depending upon your circumstances it is possible that your policy will be accepted at normal terms, with a premium increase or an exclusion on deafness.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for people who have had labyrinthitis in the past with no lasting symptoms, may be able to secure the policy at standard terms.
If the condition is currently affecting you, there are lasting symptoms or there are frequent recurrences of labyrinthitis, it is possible that the insurer may choose to place an exclusion on your policy for any claim due to deafness or imbalance.
What is Labyrinthitis?
Labyrinthitis is an inner ear condition that is cased by either a virus or bacterial infection. In general the condition is worst within the first week of onset and symptoms gradually lessen over time (typically weeks); in severe cases it is possible that symptoms can last for months or years and/or lead to permanent hearing loss.
Also known as: Viral labyrinthitis, bacterial labyrinthitis, chronic labyrinthitis, suppurative labyrinthitis, Ramsay Hunt Syndrome
Linked with: Vertigo, tinnitus, meningitis, measles, mumps, glandular fever, otitis, cholesteatoma, ataxia, vestibular neuronitis or neuritis, benign positional vertigo (BPV), diabetes, stroke, hypertension, hypotension, Ménière’s disease
Some potential problems experienced by individuals who have labyrinthitis include:
- Reduction of caloric responses
- Ear discharge (otorrhoea)
- Ear pain (otalgia)
- Vestibular rehabilitation exercises
- Loss of balance
- Hearing loss
- Blurred vision
- Uncontrollable eye flickering
- Symptoms similar to that of a stroke
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Hi, thank you for reaching out to us. Assuming that you are now fully recovered, with no lasting symptoms, you will probably be able to get life insurance quite easily. The times that there may be issues are if you do have any lasting complications, if it seems that this is a recurrent diagnosis, or if you have other medical conditions.
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