Skin Cysts & Life Insurance
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Skin Cysts & Life Insurance
Skin cysts are a common medical condition and are often of no concern to insurers within the UK, when you apply for life insurance.
The main time that we see delays with life insurance applications when someone has a skin cyst, is when they haven’t yet seen their GP about it. This can lead insurers to postpone your life insurance application until you’ve had it checked out, so it’s best to get any lumps checked over as soon as you can.
To get things started we will ask you:
- What type of skin cyst have you had?
- Have you spoken to a medical professional to check the skin cyst?
- When did you have the skin cyst?
- Is the skin cyst still there?
- Have you undergone any treatment to remove the skin cyst?
When your skin cyst has been checked over by a medical professional and confirmed that it is a skin cyst and there are no concerns, you should be able to get life insurance at standard terms with most insurers.
If you have spoken to your GP or seen a dermatologist and they have suggested that the skin cyst be removed, you can find that some insurers will wait to offer you life insurance until after the removal.
Where you have a skin cyst that hasn’t been checked by a medical professional insurers may postpone or decline your application for life insurance. There can sometimes be options for you with specialist insurers, but it’s important that you are aware of exclusion that can come with these policies.
Our expert advisers are to make sure that your life insurance policy is placed with the best insurer for you.
Skin Cysts & Critical Illness Cover
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.
Similar to life insurance, you will find that applications for critical illness cover are generally postponed or declined if you have any skin cysts that have not been checked by the a medical professional. This is because the insurers want to make sure that it is in fact a skin cyst and not something else.
Once you have had the skin cyst checked and it’s confirmed as a skin cyst, you should be able to get critical illness cover at standard terms with most insurers.
Our award winning advisers are here to make sure that you get the right insurer to match you and your health.
Skin Cysts & Income Protection
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
You will likely be able to access income protection at standard terms if you have a skin cyst, that has been confirmed to be a skin cyst by a medical professional.
Income protection can come with exclusions for pre-existing medical conditions. If your skin cyst is in a location that is causing you difficulty in completing your work or day to day activities, then you might find an exclusion is placed on your policy for claims relating to the area of your body where the cyst is located.
Our advisers are here to make sure that you get the best insurance policy to protect your income.
Skin Cysts & Travel Insurance
Are you going on holiday? It’s always a good idea to make sure that you have good travel insurance in place. You can find out more about getting a quote on our travel insurance page.
What is a Skin Cyst?
Skin cysts are lumps that form under the skin. They are often harmless and there is no need to have them removed, unless they cause disruption to your day to day activites.
Also: Epidermoid cyst, sebaceous cyst, pilar cyst, ganglion cyst, Baker’s cyst, Bartholin’s cyst, meibomian cyst, chalazion, popliteal cyst
Linked with: Familial adenomatous polyposis syndrome, osteoarthritis, rheumatoid arthritis, gout
Possible Effects on Lifestyle
Some of the symptoms people may experience living with skin cysts:
- Permanent stiffness or pain after skin cyst removal
- Restriction in movement
- Social withdrawal
Medications and Treatments
- Antibiotics
- Arthroscopy
- Aspiration
- Corticosteroid injection
- Ibuprofen
- Keyhole surgery
- Non-steroidal anti-inflammatory drugs (NSAIDs)
- Paracetamol
- Physiotherapy
- Steroids
- Surgical removal
Further Reading and Research
By clicking on the link(s) above you will be departing from the regulatory site of Cura Financial Services. Cura Financial Services is not responsible for the accuracy of the information contained within the linked site(s).
Common Questions
Hi, thank you for getting in touch. The best thing is for us to speak with the insurers about your specific situation and find out what they say. It might be that the mainstream insurers say it’s best to wait, depending on the size and exact location of the cyst. If this is the case, there are specialist life insurance policies that we can arrange for you as a temporary option, until the cyst has been removed.
Client Reviews
Cura Financial Services has been rated 4.9 out of 5 based on 849 reviews.
Review by Julie on 25th June 2025
“Great customer relations. The communication was excellent and Victoria was extremely patient and helpful, explaining and supporting my application every step of the way. Apart from the delay , which was from my side, the process didn't take long once all the details had been checked. There were no constant phone calls and emails from Cura to pressure me , which I have experienced from another company in the past.” - 5
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Dr Kathryn Knowles Phd
Author
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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