Retinitis Pigmentosa & Life Insurance

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Retinitis Pigmentosa & Life Insurance

Life Insurance for people with retinitis pigmentosa will likely be available at normal terms with most insurance providers. The insurer that you speak to may ask questions about when you were diagnosed with the condition, what tests you have undertaken and how severe your symptoms are. Unless it’s very serious or you are awaiting surgery cover should be available without too much concern.

Critical Illness Cover for people that have retinitis pigmentosa will most likely come with an exclusion to the policy. Many Critical Illness policies offer claims in regards to blindness or partial loss of sight. The insurer that you approach will probably exclude these conditions from your policy claims set due to retinitis pigmentosa being present. This should not deter you though as most plans cover a minimum of 40 conditions that you would still be covered for.


Income Protection for those with retinitis pigmentosa will also most likely come with an exclusion in regards to any claim related to your vision. Provided that your employer is supportive of your circumstance and adapts your working environment to suit your needs then you should be able to continue to work as/if your condition progresses. This makes Income Protection still a worthwhile consideration for you in the event that you are unable to work due to an unrelated illness.


What is Retinitis Pigmentosa?

Retinitis Pigmentosa is the term for a group of inherited conditions that causes loss of sight. There are many forms or retinitis pigmentosa which are caused by problems within the autosomal dominant, autosomal recessive and/or X-linked genes. The type of genetic inheritance that you have will determine the severity of your vision loss and whether there will be any associated hearing loss.

Also Known as: RP, RP Syndromes

Linked with: Leber’s Congenital Amaurosis, Choroideremia, Usher’s Syndrome, Bardt Beidl Syndrome, Stargardt’s Disease, Refsum, Alstrom (funny o), Laurence-Moon-Bardet-Biedl (LMBB) syndromes, cataracts

Some potential problems experienced by individuals who have retinitis pigmentosa include:

  • Rod-cone dystrophy
  • Cone-rod dystrophy
  • Retinal dystrohy
  • Tunnel vision
  • Night blindness
  • Hearing loss
  • House adaptations e.g. brighter lights, easier colours
  • Loss of driving license
  • Loss of independence
  • Mobility aids
  • Colour vision test
  • Electro-diagnostic tests
  • Fluorescein angiograms
  • Genetic counselling
  • Genetic testing
  • Retinal photographs
  • Visual field test
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Retinitis Pigmentosa & 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

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