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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 applying for Crohns Disease Life Insurance:

  • When you were diagnosed
  • 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

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Life Insurance with Crohn’s Disease

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.

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, you take mild medication or your Crohn’s has been dormant for a significant time period. Furthering this, 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 due to your Crohn’s recently.

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, and 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.

Furthering this, if your Crohn’s is severe, they may even exclude Crohn’s from your cover; this means that is you were unable to work due to your 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 deserve.

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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, of course, depends on the severity of your condition, how often you suffer with it, any treatment you have required. All cases are individually assessed. Our team of advisors are experts at what is available on the market and who offers the best rates for Crohns.

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 these are applied.

This isn’t a problem. Often this can simply be down to not applying through a specialist 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 have been helping people with pre-existing conditions such as Crohns Disease to obtain life insurance for over 16 years. We understand your condition and we know where to go to obtain you the best cover available for your circumstances. We do all the hard work such as obtaining GP reports and chasing up required information for your application to proceed.

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Facts and Stats about Crohns:

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

What is Crohns Disease

Crohns is a condition that causes inflammation of the gut. Th affected area can occur at any point through the digestive system and can vary in size from just a few centimetres to a large stretch of the gut. Crohns 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 Crohns

With Crohns Disease comes some practical and emotional challenges of life. Sometimes time off work and other commitments is required through a flare up. It is a good idea to be open about your condition with families and your employer. Diet is another consideration as some find particular foods can aggravate the condition, this can be very individual so it is about finding what suits 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. 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 these are treatable with medication, although surgery is sometimes required.

Useful Links

If you have Crohns Disease and need travel insurance it is essential that you declare the Crohns 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 Crohns 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 Crohns disease and need cheap, competitive insurance The Insurance Surgery are the specialists to help.

At The Insurance Surgery, we aim to find the most competitive Insurance products for clients with Crohns Disease.

If you require Life Insurance, Travel Insurance or any other financial products we have, since 1999, specialised in sourcing cheap competitive quotes for Crohns Disease.

It’s one of the reason The Insurance Surgery was actually founded as the former Managing Director’s own Wife had Crohns and was having difficulty sourcing Life Insurance.

We have over the years developed an extensive knowledge of how different insurance companies treat the Disease and this allows us to direct you to the most suitable companies.

You will find below a short summary of how Crohns will affect your insurance needs. We strongly recommend contacting us and allowing us to assess your situation.

Crohns Disease and Life Insurance

As with all illnesses, Insurance Companies may increase the cost of your life insurance due to Crohns Disease. At The Insurance Surgery, we have over a decade of experience in knowing which Life Insurance companies will offer you the cheapest rates.

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

Crohns Disease Critical Illness Insurance

Critical Illness Insurance for Crohns Disease is available dependent 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.

Crohns Disease and Income Protection Insurance

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

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

Crohns Disease and Private Medical Insurance

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

Crohns Disease and Travel Insurance

If you have Crohns Disease and need travel insurance it is essential that you declare the Crohns Disease in your insurance application. At The Insurance Surgery, we have made this process simple with our partners.

Find out more here – Travel Insurance

Crohns Disease and Impaired Life Annuities

If you are retiring and have a Personal Pension Policy it is worth considering an Impaired Life Annuity as when taking your Crohns Disease into account, it may substantially increase your retirement income.