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Crohns Insurance

Get fantastic premiums and great levels of cover for Crohns Insurance

If you have a pre-existing long-term medical condition such as Crohns Disease this can make it more difficult to easily track down the right level of cover you want at a great price. Our specialist team of Crohns Insurance experts will assist you in processing your application to be certain you have the right level of protection for you at an affordable price.

We aim to provide cover for all Crohns patients regardless of the severity of your symptoms.

Most Common Questions

When you apply you will be taken through a medical questionnaire which gives the Crohns Insurance providers the information they need on your individual circumstances so they can make a decision personal to you. They will need to know information such as when you were diagnosed, how the Crohns affects you day to day, any medication, treatments or hospitalisation you have needed. The information you give must be as full as possible and accurate.
Insurance cover is given by providers based on levels of risk. If you have a pre-existing condition, such as Crohns Disease then insurers can see you as a higher risk of making a claim than someone with a clear medical history. Our specialist team of Crohns Insurance experts has been helping people like you to get the cover they need for several years so you are in good hands. We will do our best to get you the cover you need at the right price.

Crohns Disease and Life Insurance

The Insurance Surgery is also a leading specialist expert for Crohns Life Insurance so follow the link or speak to one of our team of expert advisors on 0800 083 2829 if you require more information.

Crohns and Travel Insurance

If you have travel plans and suffer from Crohns, follow the link her for more information on Crohns Travel Insurance, or speak to our team of experts on 0800 458 0487

Useful Links:

Crohns & Colitis UK: https://www.crohnsandcolitis.org.uk/
Bupa: http://www.bupa.co.uk/health-information/directory/c/crohns-disease
NHS Choices: http://www.nhs.uk/conditions/crohns-disease/pages/introduction.aspx

Case Study 1

  • Client: Male
  • Age: 39
  • Smoker status: Non-smoker
  • Medical condition: Crohn’s for gentleman
  • Cover date: 28th October 2019
  • Product type: Level life insurance
  • Cover amount: £170,000
  • Cover term: 26 years
  • Premium: £29.54

We were approached by this gentleman on the 18th October 2019 when he and his partner completed an enquiry through our website. Our advisor Mark S then called him back to discuss his life insurance needs. At this point he explained that they were looking for £170,000 of life insurance cover over 26 years to cover their mortgage, furthering this they were also looking for critical illness cover and income protection as well. Mark S then went on to ask about any pre-existing medical conditions they may both have, which is where he declared that he has recently been diagnosed with Crohn’s and that his partner has no medical issues. Due to this Mark was able to secure his partner the required cover, however the gentlemen was unable to obtain critical illness cover or income protection until 12 months has passed since his diagnosis. Due to this, Mark looked into a joint life insurance policy for the couple and managed to secure them £170,000 of cover for 26 years to cover their mortgage for a monthly premium of £29.54. This is an amazing premium considering that he has been recently diagnosed with a potentially high-risk medical condition and they now have peace of mind that their mortgage is covered should either of them pass away. Moreover, Mark S has scheduled a call once the gentleman has been diagnosed for 12 months so that he can get the full cover that he was looking for.

As a whole this was a positive outcome as they are both covered if one of them were to pass away in the future, and they have got cover for a great premium. Furthermore, the gentleman will be able to get the full cover that he wants when he has had his diagnosis for 12 months, then they will be covered for every possible eventuality.

Case Study 2

  • Client: Female
  • Age: 36
  • Smoker status: non-smoker
  • Medical condition: Crohn’s disease
  • Cover date: 17th April
  • Product type: Life insurance
  • Cover amount: £300,000
  • Cover term: 34 years
  • Premium: £40.17

We were approached by this lady on the 10th April when she competed an enquiry through our website. Our advisor Greg then call her to discuss her pre-existing medical conditions and her life insurance needs. She explained that she was looking for £300,000 to cover her mortgage up to retirement age, which due to the fact that she is 36 would put the cover term at 34 years, ending when she is 70. She went on to explain that she suffers from mild Crohn’s disease that she is taking medication for, as well as having to be admitted to hospital in the last year due to her condition. However, this has not affected her in any other way and with an exception of the Crohn’s, she is in perfect health. Our advisor Greg then applied to one of our main-stream providers and secured her the Crohn’s life insurance that she needed; she is now covered for £300,000 over 34 years for a monthly premium of £40.17. This is a fantastic premium considering the fact that the lady was looking for a fairly large amount of cover and has a pre-existing medical condition that has had a recent flare up of symptoms, both of which would increase the premium.

Overall, the lady was so pleased that we were able to find her cover as she doesn’t have to worry about what would happen to her family and her mortgage if she were to pass away unexpectedly. We are delighted that we have been able to help another customer to get the cover that they needed as it will take a weight off their shoulders knowing that they have the protection they thought was impossible to achieve.

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