We understand that Crohn’s disease is a very volatile condition to suffer from, and it can vary dramatically from person to person. No matter the severity, we will try our hardest to get you the cover that you deserve.
There are a few factors that we will or may need to know, such as:
- When were you diagnosed?
- Are you on any medication?
- Have you or are you awaiting any surgery?
- How severe is your Crohn’s?
- What part/ how much of the bowel is affected?
Just like Crohn’s, Crohn’s life insurance can be quite volatile. It is possible to get Crohn’s life insurance at standard rates, or with a small loading, if your Crohn’s is considered to be mild; if you have had no recent major flare ups, or you are on mild medication, it is possible that you can get Crohn’s Life Insurance at standard rates.
However, unfortunately, if you have a more severe form of Crohn’s it is highly likely that you will have to pay an increased premium as you are classed as a higher-risk than people with mild Crohn’s. The price of your cover will depend on the type or strength of the medication that you are taking, or if you have any other medical issues as a result of your Crohn’s.
Finally, if you do have any medical issues due to your Crohn’s, and you are due surgery to treat this e.g. fitting an ileostomy or colostomy bag, or a fistula removal, then it is likely that you will have to postpone your application until you are fully recovered from the surgery.
However, there is a possibility that we can arrange Crohn’s life insurance with a specialist provider during this time.