Ménière’s Disease & Life Insurance
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Living with Ménière’s disease can be difficult and each person may experience this slightly differently.
We are here to ensure you have the support you need when buying life insurance.
Things we need to know:
- When were you diagnosed with Ménière’s disease?
- How often do you experience symptoms?
- What medications/treatment do you have?
- Are there any lasting complications?
- Are you due to have surgery?
Life insurance for people with Ménière’s disease can often be available at normal terms. This is dependant on the strength and regularity of your symptoms, and that there are no secondary illnesses contributing to your health.
If you have any conditions that are causing the Ménière’s disease, then the insurer may wish to speak with your GP to get a clear picture of your health before they are able to offer cover. This is quite common and should hopefully not cause you any concern. The reports are only accessed with your expressed permission.
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 with Ménière’s disease will typically be accepted at special terms, in which a deafness exclusion is applied to the policy.
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 Ménière’s disease may be available at normal terms, where the condition presents few symptoms that do not greatly affect your day to day living, or ability to work.
If the condition causes significant symptoms or has caused time off work, then the insurer may place an exclusion on the policy for any claim related to Ménière’s disease or hearing/balance problems. If you experience strong symptoms, it is possible that your application for income protection may be declined with some insurers.
If the terms provided for income protection do not meet your requirements then you should consider the alternative of an accident, sickness and unemployment policy. An accident, sickness and unemployment policy will pay a short-term monthly income replacement if you are unable to work due to disability, long-term illness or involuntary redundancy.
Applications for this type of policy are not medically underwritten which will mean that your diagnosis of Ménière’s disease will not effect the acceptance terms. However any claim that you place will be rejected if you are unable to work due to circumstances directly related to the Ménière’s disease.
What is Ménière’s Disease
Ménière’s disease is an inner ear condition that is believed to be linked to problems with pressure within the ear. Flare ups of the condition typically start with feelings of vertigo and nausea that can last anywhere from a few hours to a few days. There is the potential that after a number of years the condition may stop, but the individual may be left with some lasting complications such as tinnitus.
Also known as: Endolymphatic hydrops
Some potential problems experienced by individuals who have Ménière’s disease include:
- Dietary restrictions
- Vestibular rehabilitation
- Loss of balance
- Loss of hearing
There are a couple of things that might happen when you apply for life insurance. Your application may be accepted quickly, or the insurer might want to see a report from your GP to confirm your health. You may find that some insurers decline your application for life insurance, but that is not likely to happen, unless you are due to have surgery.
Cura Financial Services has been rated 5 out of 5 based on 467 reviews.
Review by Nigel on 11th March 2021
“Great service and great advice. First-class service. Alan, and the team, took great care to understand my needs and to then find the most cost-effective solution. I will be recommending their services to others.” - 5
You can read more of our reviews here.
Get a Quote
What We Offer?
- Experienced and knowledgeable advisers
- Specialist advice with no fees to pay
- Full assistance with all of your paperwork
- Put your policy into trust at no cost
- A dedicated insurance adviser for you
Guides & News
Here’s our latest guides, musings, charity work, podcast, awards and industry updates. There’s a lot going on!