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Crohn’s Disease Life Insurance

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Crohn’s Disease Life Insurance

The Insurance Surgery is a leading specialist broker helping people with pre-existing conditions such as Crohn’s Disease to obtain life insurance. We assess your personal circumstances to allow us to source insurance from the whole of the market.

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How Crohn's Disease Life Insurance Works

Some things that will be considered by underwriters when you apply for Crohn’s Disease Life Insurance are:  
  • When you were diagnosed
  • The medication you take
  • Any treatment / surgery you have received or are awaiting
  • How long ago your last attack was
  • The frequency of your symptoms
  • The severity of your symptoms
  • What part and how much of the bowel is affected
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Life Insurance with Crohn’s Disease

We understand that Crohn’s disease is a very volatile condition to suffer from. 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.

Just like Crohn’s Disease, 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 mild, if you’ve had no recent major flare-ups or you’re on mild medication, it’s possible to secure Crohn’s Life Insurance at standard rates.

However, if you have a more severe form of Crohn’s it is highly likely that you will have to pay an increased premium. This is because 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 have any medical issues due to your Crohn’s, and you are due surgery to treat it such as fitting an ileostomy or colostomy bag or a fistula removal, then it‘s 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.

Crohn’s Disease Critical Illness Cover

Similarly to Crohn’s life insurance, Crohn’s critical illness cover can be available at standard rates if your Crohn’s is mild, if you take mild medication or your Crohn’s has been dormant for a significant time. 

Insurance providers may also need to know if your Crohn’s affects your day-to-day activities i.e. can you work, or have you had any time off work recently due to your Crohn’s. Again, if you are awaiting surgery as a result of Crohn’s disease, you will have to wait for a postponement period or arrange cover through a specialist provider.

Unfortunately, if you suffer from Crohn’s, it is highly likely that you will have to pay an increased premium for your cover. Critical Illness tends to be less readily available if you suffer from a more severe form of the illness. In addition, some providers will be likely to add an exclusion for the Crohn’s onto the cover.

Crohn’s Disease Income Protection

It is possible to get Crohn’s income protection, however it is highly unlikely that you will be able to get it at standard rates. This is unfortunately due to the fact that insurers view Crohn’s as a condition that can progress and cause medical issues that affect your ability to work.

Further to this, if your Crohn’s is severe, they may even exclude Crohn’s from your cover. This means that if you were unable to work due to Crohn’s, your policy would not pay out as you would not be covered.

The insurance industry is always evolving and changing and we are always pushing for changes to be made to improve access to insurance. Therefore, it is always worthwhile getting in touch to see how we can help you get the protection that you and your family deserve.

Case Studies

Most Common Questions…

We answer your most frequently asked questions.

Yes, it will possibly influence the amount you pay each month for cover. To what degree depends on the severity of your condition, how often you suffer with it and any treatment you have received. All cases are individually assessed. Our team of advisors are experts at what is available on the market and which insurers offer the best rates for Crohn’s.

We may be able to help you obtain Critical Illness Cover too. As with life insurance, each case is individually assessed and sometimes exclusions can apply. Our expert advisors will look for the best cover available to you and will talk you through any exclusions if they are applied.

This is not an issue. Often this can simply be down to not applying through a specialist broker such as The Insurance Surgery. We can look across the whole of the market to find cover and a previous decline will not count against you in any way.

The Insurance Surgery has been helping people with pre-existing conditions such as Crohn’s Disease to obtain life insurance for over 20 years. We understand your condition and we know where to go to obtain the best cover available for your circumstances. We do all the hard work such as obtaining GP reports and chasing up the required information to progress your application.

Facts and Stats about Crohn’s:

  • Around 115,000 people in the UK suffer from Crohn’s disease
  • Crohn’s is slightly more common in women than men
  • The typical age range for diagnosis is between 10 and 40
  • You are more likely to be a sufferer if there is a family history of Crohn’s disease
  • Between 50% and 80% of sufferers will require surgery as a result of Crohn’s at some point in their life

What is Crohn’s Disease

Crohn’s is a condition that causes inflammation of the gut. The affected area can occur at any point through the digestive system. It can vary in size from just a few centimetres to a large stretch of the gut. 

Crohn’s is referred to as being ‘chronic’ as it is an ongoing condition without a cure. Symptoms need to be managed. 

There can be times of good health, known as remission, and other times when acute attacks occur. Symptoms vary in type and severity but include stomach pains and diarrhoea, loss of appetite and weight and feeling tired and generally unwell.

Living with Crohn’s

With Crohn’s Disease come some practical and emotional challenges. Sometimes time off work and other commitments is required due to flare-ups. It is a good idea to be open about your condition with your family and employer.

Diet is another consideration as some people find particular foods can aggravate the condition. This can vary from person to person so it is about finding foods that suit you.

Possible Complications

Inflammation of the bowel can cause scar tissue to form. This is referred to as a stricture and can cause an obstruction meaning waste cannot pass. Usually, surgery is required to rectify strictures. 

Another possible complication is the development of ulcers known as fistulas. Small fistulas don’t generally cause a problem but larger ones can become infected and cause additional symptoms. Often they can be treated with medication, although surgery is sometimes required.

Useful Links

If you have Crohn’s Disease and need travel insurance it is essential that you declare the Crohn’s Disease in your insurance application. At The Insurance Surgery we have made this process simple. When you use our Travel Insurance wizard you will be asked to declare any medical conditions. Simply enter the details regarding your Crohn’s disease once and you will obtain over 20 quotes from various travel insurance companies.
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Click the links below to find out more:

If you live with Crohn’s disease and need cheap, competitive insurance The Insurance Surgery are the specialists to help.

The Insurance Surgery aim to find the most competitive Insurance products for clients with Crohn’s Disease. If you require Life Insurance, Travel Insurance or any other financial products, we have specialised in sourcing cheap competitive quotes for Crohn’s Disease since 1999.

It’s one of the reasons The Insurance Surgery was founded as the former Managing Director’s Wife had difficulty sourcing Crohn’s life insurance. Over the years we’ve developed an extensive knowledge of how different insurance companies treat the disease. This allows us to direct you to the most suitable companies.

You will find below a short summary of how Crohn’s will affect your insurance needs. We strongly recommend contacting us to assess your situation.

Crohn’s Disease and Life Insurance

As with all illnesses, Insurance Companies may increase the cost of your life insurance due to Crohn’s Disease. At The Insurance Surgery, we have over two decades of experience in which Life Insurance companies will offer you the cheapest rates.

The cost of your life insurance will depend on when your Crohn’s was diagnosed, what treatment you have received and when you last had a flare-up. It may even be possible to secure Crohn’s life insurance at standard rates.

Crohn’s Disease Critical Illness Insurance

Critical Illness Insurance for Crohn’s Disease is available depending on when the disease was diagnosed and the severity and dates of symptoms and treatments.

If you have been symptom and treatment-free for a number of years you may even secure cover at standard rates.

Crohn’s Disease and Income Protection Insurance

As with all medical conditions it can be difficult to obtain Income Protection for Crohn’s Disease.

The cover is generally available with the Crohn’s excluded and it may be possible to obtain cover without exclusions if there’s been a substantial period without any flare-ups or other symptoms.

Crohn’s Disease and Private Medical Insurance

Private Medical Insurance will generally be available with anything related to Crohn’s disease excluded. As Crohn’s is a chronic condition, it is unlikely that cover will be available for the illness itself.

Crohn’s Disease and Travel Insurance

If you have Crohn’s Disease and need travel insurance it is essential that you declare the Crohn’s Disease in your insurance application. At The Insurance Surgery, we have made this process simple with our partners. Find out more here: Travel Insurance