Life Insurance with Cystic Fibrosis.
It can be difficult to obtain life insurance if you have Cystic Fibrosis, this is due to the possible risks and complications associated with the condition. If your condition is mild and you haven’t had any complications then it is possible that you can get cover.
How Cystic Fibrosis Life Insurance Works.
Life insurance providers will need to know a few things about you to assess whether they can offer you cover, some things they may ask are:
- When were you diagnosed?
- What organs are affected?
- What symptoms do you have and how frequent?
- Have you had any treatment/surgery for your condition?
- Do you have any other medical conditions
- What is your Body Mass Index (BMI)
- Do you smoke?
Cystic Fibrosis Life Insurance.
If you have Cystic Fibrosis and are looking for life insurance, you will need to meet certain criteria in order to obtain full cover. If your condition is relatively mild, and you have good lung function then you should be able to obtain cover, although you should expect to pay higher premiums for your cover. If you have any other respiratory conditions or complications, then it can make obtaining life insurance more difficult.
If your condition is more severe it is possible that you will not be eligible for full cover however there may be policies available to you that exclude your Cystic Fibrosis and any other pre-existing medical conditions you have but will cover you for anything else. If you have any surgery or procedures planned then your application will be postponed until they are completed.
Cystic Fibrosis Critical Illness Cover.
Critical Illness Cover for Cystic Fibrosis is difficult to get. It is highly likely that your policy will exclude Cystic Fibrosis and possibly any other pre-existing medical conditions. This obviously depends on the severity of your condition, as well as any treatment or issues relating to it.
Cystic Fibrosis Income Protection.
Finding Income Protection for Cystic Fibrosis may be tricky, this depends on the severity of your condition as well as any complications you may have had as a result. This is made especially difficult if you have any other pre-existing medical conditions. However, there are policies available to you, but they will unfortunately exclude Cystic Fibrosis.
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Facts about Cystic Fibrosis.
Cystic Fibrosis is an inherited condition that causes sticky mucus to build up in the lungs and digestive system. This can cause lung infections and problems digesting food.
Cystic Fibrosis Stats (UK).
- Around 10,600 people in the UK have Cystic Fibrosis, that’s 1 in 2,500 1 person in 25 carries the faulty Cystic Fibrosis gene, usually without knowing
- If 2 carriers have the gene there’s a 1 in 4 chance of their child having Cystic Fibrosis
- Cystic Fibrosis is also known as mucovoidosis or mucoviscidosis
Cystic Fibrosis Symptoms.
Cystic Fibrosis causes the build up of sticky mucus in the lungs which overtime can cause breathing problems, increases the risk of lung infection and the lungs may stop working properly.
Mucus also clogs the pancreas (the organ that releases enzymes for digestion) which stops enzymes reaching the gut to help with digestion.
Symptoms include:
- Recurring chest infections
- Coughing, wheezing, shortness of breath and damage to the airways (bronchiectasis)
- Difficulty putting on weight or growing
- Yellowing of skin and whites of eyes (jaundice)
- Diarrhoea or constipation
- A bowel obstruction in newborn babies (meconium ileus)
People may also develop related conditions such as diabetes, thin/weakened bones (osteoporosis), male infertility, and liver problems. Cystic Fibrosis is tested in all newborn babies as part of the newborn blood spot test (heel prick test) carried out shortly after birth.
If this screening suggests that they may have Cystic Fibrosis, they’ll need additional tests to confirm if they have it:
- A sweat test – to measure the amount of salt in sweat, which is abnormally high in someone with Cystic Fibrosis
- A genetic test – where a sample of blood or saliva is checked for the faulty gene that causes Cystic Fibrosis.
These tests can also be used on older children and adults who weren’t tested as newborns.
A genetic test can also be used to test if someone is a “carrier” of Cystic Fibrosis in cases where the condition runs in the family. This test can be important for someone who thinks they have the gene and wants to have children.
There’s no cure for Cystic Fibrosis currently, but there are a range of treatments available to help control the symptoms, prevent or reduce complications and make the condition easier to live with. People with Cystic Fibrosis may need to take different medicines to treat and prevent lung problems. Physical activity and the use of airway clearance techniques may also be recommended to clear mucus from the lungs.
Other Conditions.
People with Cystic Fibrosis also have a higher risk of developing other conditions such as:
- Osteoporosis (weak/brittle bones)
- Diabetes
- Nasal polyps (soft growths in your nose) and sinus infections
- Liver problems
- Fertility problems – it’s possible that women with Cystic Fibrosis can have children but men will need help from fertility specialists
Useful links
https://www.nhs.uk/conditions/tourettes-syndrome/
https://www.tourettes-action.org.uk/