Thrombosis & Life Insurance
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Life Insurance for those with thrombosis may be available at standard terms depending upon the type and severity of the condition. The insurance provider that you approach for Life Insurance will probably want to see a report from your GP to establish your general state of health, how the thrombosis affects you, the cause of the condition and the treatments that are in use. Where the condition is of a low severity the insurer may be able to offer you standard terms for Life Insurance, otherwise special terms may be offered.
Applications for Critical Illness Cover for people with thrombosis will likely require a report from your doctor to provide a clear picture as to the cause of the condition and how it impacts upon your health. For those where the thrombosis is of a high severity it is probable that any acceptance terms of Critical Illness Cover that you are offered will come at non-standard terms (small premium loading).
Any application for Income Protection for people with thrombosis will again likely be reviewed in conjunction with a report from your doctor. The insurer you approach will want to know if the condition has caused you to have any time off work, the severity of the condition and how it impacts upon your overall health. The acceptance terms for Income Protection, if available, will probably be at non-standard terms (premium increase and/or exclusion).
If you do not find that Income Protection suits your needs it could be beneficial to consider Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment Cover offers a monthly income replacement between 12 and 24 months should you be unable to work due to disability, long-term injury or involuntary redundancy. This policy type can be highly sought after as pre-existing medical conditions are not taken into account during the policy application and acceptance stages. However any claim that you make on the policy will exclude any event that is related to a pre-existing medical condition i.e. thrombosis.
What is Thrombosis?
Also Known as: Venous thromboembolism (VTE), deep vein thrombosis (DVT), pulmonary embolism, arterial thrombosis
Linked with: Heart attack, stroke, high BMI, hormone replacement therapy (HRT), cancer, antiphospholipid syndrome (Hughes syndrome), peripheral vascular disease (PVD), peripheral arterial disease (PAD), atherosclerosis, type 1 diabetes, type 2 diabetes, vasculitis, hepatitis, rheumatoid arthritis, thrombophilia
Some potential problems experienced by individuals who have thrombosis include:
- Blood clots,
- Cramping pain
- Swelling in one leg
- Chest pain
- Prominent veins in the leg
- www.nhs.uk – Thrombosis
- www.nhs.uk – Arterial Thrombosis
- www.nhs.uk – Deep Vein Thrombosis
- www.nhs.uk – Pulmonary Embolism
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