The potential impact that having Dystonia can have on life insurance premiums can vary from an increase to the premium that you pay, special terms or even a potential decline in more severe cases. Generally in the vast majority of applications that we have seen for Dystonia life insurance there is a requirement to provide some medical evidence in the form of a medical report from your GP or specialist to support your application.
Underwriters will assess your condition to be able to offer terms for Dystonia life insurance based on several key factors which will include:
- When you were diagnosed with Dystonia
- Severity and frequency of your symptoms
- Whether you have had any surgery and when that was
- Which medication you are currently taking and what dosage
If you have applied for Dystonia life insurance in the past and your application was offered on special terms (e.g. rated premiums) or if cover was declined then you should speak to one of our experts. The Insurance Surgery also has access to a number of specialist life insurance products which may be more suitable if your condition is more severe and therefore cover for Dystonia life insurance is not available through the standard markets.