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World Aids Day and Crohns & Colitis Awareness Week 01/12/2016 3:38pm 12 months ago

World News:

World AIDS Day and Crohn’s & Colitis Awareness Week

The Insurance Surgery is a leading Life Insurance and Travel Insurance specialist for people with pre-existing medical conditions, such as HIV, Crohn’s and Ulcerative Colitis. We like to keep track of some of the events that are associated with some of the medical conditions that we deal with because it’s an ideal opportunity to help people with medical conditions.

World AIDS Day (1st December 2016)

Each year a number of leading global HIV charities come together to raise awareness for people living with HIV and the help overcome some common myths around the condition. This year is no different and the theme for 2016 is ‘HIV STIGMA: NOT RETRO JUST WRONG’.

Current HIV statistics:

  • Over 100,000 living with HIV in the UK currently
  • 34 million people globally have the HIV virus
  • Since 1984, 35 million people have died from HIV
  • 6,000 people in the UK are diagnosed with HIV each year

World AIDS Day December 1st 2016

Life Insurance for HIV

The Insurance Surgery has worked with thousands of people living with HIV to get Life Insurance or Travel Insurance since 1999. We have worked with some of the leading HIV charities in the UK to help people to understand more about how Life Insurance for HIV works and what it means to them.

In the past several years, we have seen some significant improvements in Life Insurance rates for HIV specifically and it is the single biggest condition where insurance underwriting has improved. In previous years we would have struggled to get Life Insurance cover for someone with HIV for more than 10 years and for more than £100,000. In recent years, mainly thanks to medical advances, we are able to get cover for up to 25 years and sums assured can be much higher.

HIV is no longer viewed as a major risk by life insurance underwriters and we know from our own experience that things are constantly changing for the better. We work with a number of the major insurance providers in the UK to help drive more improvements to underwriting for HIV life insurance and to help continue to reduce premiums.

Case Studies

  • Client: Male
  • Age: 33
  • Smoker Status: Non-Smoker
  • Condition: HIV
  • CD4 Count / Viral Load: 780 - Undetectible
  • Date of Diagnosis: September 2007
  • Cover Date: May 2016
  • Product Type: Level Term Assurance - Mortgage Protection
  • Cover Amount: £130,000
  • Cover Term: 25 years
  • Premium: £22.69

Additional Info: AEGON Quoted £73.80

  • Client: Female
  • Age: 34
  • Smoker Status: Non-Smoker
  • Condition: HIV
  • CD4 Count / Viral Load: 592 - Undetectible
  • Date of Diagnosis: December 2005
  • Cover Date: April 2016
  • Product Type: Level Term Assurance - Family Protection
  • Cover Amount: £100,000
  • Cover Term: 20 years
  • Premium: £18.51

Additional Info: Started HAART in 2008


Crohn’s & Colitis Awareness Week (1st to 7th December 2016)

The leading national UK charity for Crohn’s Disease and Ulcerative Colitis (Crohn’s and Colitis UK) are this week running their annual awareness week to help raise public awareness for people suffering from what is considered to be an ‘invisible illness’. Anyone can get involved and the theme to show your support is ‘Go Purple’ and #PurpleFriday.

 

 Crohn’s and Colitis statistics:

  • Around 146k are affected by Ulcerative Colitis in the UK
  • Around 115k are affected by Crohn’s Disease in the UK
  • Between 60 to 75% will require surgery because of their Crohn’s Disease
  • Roughly 20% of people living with Ulcerative Colitis will have severe symptoms and will not respond to medication

Crohn's and Colitis Awareness Week crohnsandcolitis.org.uk

Crohn’s Disease and Ulcerative Colitis Life Insurance:

The Insurance Surgery was founded on the back of a previous client who had Crohn’s Disease and was struggling to find Life Insurance to protect their family. Over the past 17 years, our team of expert advisers has helped thousands of individuals, families and businesses to protect themselves with a history of Crohn’s Disease or Ulcerative Colitis.

We know from our own experience that Life Insurance and Travel Insurance can both be obtained for someone with Crohn’s or Colitis. Our team will be able to identify which insurance provider would be best for you based on your circumstances, medical history / treatments and the cover that you are looking for. It is possible to get cover from ranging from a standard rates decision (no loading) up to a potential decline / postpone in far more severe cases with recent symptoms (flare ups).

Case Studies

  • Client: Female
  • Age: 44
  • Smoker Status: Non-Smoker
  • Condition: Ulcerative Colitis
  • Additional Conditions: Chronic Kidney Disease
  • Date of Diagnosis: November 1991
  • Cover Date: February 2016
  • Product Type: Level Term Assurance - Mortgage Protection
  • Cover Amount: £35,000
  • Cover Term: 20 years
  • Premium: £33.45
  • Client: Female
  • Age: 34
  • Smoker Status: Non-Smoker
  • Condition: Crohns
  • Date of Diagnosis: October 2008
  • Cover Date: May 2016
  • Product Type: Level Term Assurance - Mortgage Protection
  • Cover Amount: £300,000
  • Cover Term: 35 years
  • Premium: £20.04
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The Insurance Surgery Ltd is rated 4.8/5 based on 251 reviews. Read our reviews


'The best broker you can get' Sarah Angel. An angel in name and in facts. She's the customer representative that has spent months in the months in helping me getting the deal I got. Always patient, never given up looking for the right policy and me. Frankly, I never thought a lot about brokers but this company is a blessing to people that cannot get insurances by themselves for health reasons. Thank you. 4.8

feefo Service Rating 4.8/5

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