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.