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Epilepsy Life Insurance

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Epilepsy Life Insurance

Life Insurance for people who suffer from Epilepsy can almost always be obtained and premiums will depend on type of Epilepsy and severity. Our Life Insurance for Epilepsy page will explain how underwriting works and what the premiums will depend on.

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How it Works

Considerations when applying for life insurance with Epilepsy
  • Type of Epilepsy (e.g. Grand Mal / Petit Mal)
  • Severity and frequency of seizures / attacks
  • Date of diagnosis
  • Medication / Control method
  • Any hospitalisation
  • Any underlying cause
  • Other related / non-related conditions
Our team of life insurance experts specialise in helping people with pre-existing medical conditions such as Epilepsy. We aim to find you the best cover for you, your family or your business and with the most competitive premiums.
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Frequently Asked Epilepsy Life Insurance Questions

We answer your most frequently asked questions.

It all depends on the type of Epilepsy (e.g. Grand Mal or Petit Mal) and the severity of the condition (e.g. frequency / severity of attacks). It can be possible to obtain life insurance for Epilepsy at standard rates with no loading in less serious casis if the right insurance provider is selected.

It is possible that you may have spoken to an insurance company or broker in the past who is not a specialist and therefore does not know which provider will offer cover. The Insurance Surgery specialises in finding cover for people with pre-existing medical conditions such as epilepsy and therefore we understand underwriting more than most other companies.

It may not necessarily be the case that you will have to pay more for your life insurance than someone who is regarded as perfectly healthy, however, that depends on your circumstances and which provider you apply to. Generally in the case of Petit Mal Epilepsy, there should be no loading applied to your premiums. We will search the whole market to find who will offer you the most competitive premiums for you and your family.

As with life insurance, if you suffer from Petit Mal Epilepsy then you should be able to obtain Critical Illness Cover in the majority of cases with no exclusions or loading. In the case of Grand Mal Epilepsy, it should also be possible to obtain Critical Illness Cover, however there may be a loading to the premium and some exclusions may be applied in limited cases.

Epilepsy Case Studies

Epilepsy Life Insurance cover

If you suffer from Epilepsy and are looking for life insurance then generally the results can be positive and you will be pleased to hear that it is in many cases, very possible to get cover to protect your family or your business. The majority of cases that we see now are accepted and a large number of those cases are offered at standard rates with ‘no loading’.

In the case of Absence Seizures Epilepsy (previously Petit Mal) we are usually able to obtain life insurance without a further loading to the premium (standard rates) from several insurance providers.

Underwriters will want to know the frequency and severity of your seizures and for less than 50 per or if you haven’t had a seizure for over 6 months, then standard rates will generally apply (for some insurance providers).

For Grand Mal (generalised tonic-clonic seizure) which is the more common type of epilepsy, there could be a loading applied to the premium, again depending on frequency and severity of your seizures (insurance providers will vary).

The current underwriting approach for most providers will generally mean that less than 12 attacks per year will attract a minor loading and over 12 attacks per year will mean a slightly higher loading.

For anyone who has not experienced any symptoms or seizures for a number of years could find that you will pay standard rates for cover.

Critical Illness Cover and Epilepsy

For people who suffer from Epilepsy and are looking for some sort of Critical Illness Cover, the results can be positive as generally CIC is available for people living with Epilepsy.

As long as your Epilepsy is under good control and in cases where you have not experienced any symptoms or seizures for a period of several years, then standard rates should apply.

For people with Absence Seizures (Petit Mal) Epilepsy, you should be able to obtain cover with no additional loadings or exclusions. For anyone with Grand Mal (generalised tonic-clonic seizure) Epilepsy then you will find that you are more likely to incur a small loading to your premium, and potentially an exclusion for Epilepsy or Neurological conditions to the TPD element of your policy.

Income Protection for people with Epilepsy

Income Protection can be slightly more difficult to buy if you suffer from Epilepsy, however in many cases it is available and can still be provided with no loading to your premium. There also could be some exclusions applied with Income Protection for people who have epilepsy.

In the case of people who have Absence Seizures (Petit Mal) Epilepsy, you could find that you will be able to obtain cover at standard rates with some exclusions relating to your Epilepsy.

For anyone with Grand Mal (generalised tonic-clonic seizure) Epilepsy, you may find that you will be offered either terms / cover with exclusions or in some cases a higher premium.

You will need to consider which option is best for you and make sure that you read all policy wording carefully before you accept cover.

Facts about Epliepsy

Epilepsy is a neurological condition (disease of the central nervous system) which causes attacks (also known as seizures) due to disruption in the nerve cell activity.

Seizures can vary widely from one person to another and from one episode to another, causing affects such as abnormal behaviour, convulsions, blackouts / loss of consciousness. These attacks can come infrequently and can vary in duration / severity.

Epilepsy statistics (UK):

  • Currently around 500k people (1 in 100) have Epilepsy
  • 87 people are diagnosed with Epilepsy each day
  • Over 50% of people are seizure free
  • Roughly 5 in 100 people will have an Epileptic seizure in their lives (4 out the 5 people will go on to develop Epilepsy)
  • Epilepsy can affect anyone and at any age

Types of Epilepsy

There are 2 main types of Epilepsy which are Petit Mal (absence seizures) and Grand Mal (generalised tonic-clonic seizure) which generally differ only in terms of severity of the attacks.

Petit Mal (absence seizures)

An absence seizure (formerly known as Petit Mal) is less common and the seizure can begin suddenly without any prior warning. This type of seizure tends not to cause any loss of consciousness.

Grand Mal (generalised tonic-clonic seizure)

An absence seizure (formerly known as Petit Mal) is less common and the seizure can begin suddenly without any prior warning. This type of seizure tends not to cause any loss of consciousness.

At The Insurance Surgery we are specialists in finding competitive insurance for clients with Epilepsy

If you have Epilepsy it is important to ensure that you use a specialist broker to source your life insurance, travel insurance and other financial products.

We have, since 1999. Helped hundreds of people with Epilepsy and other medical conditions source cheap financial products.

Our specialist knowledge allows us to make sure you apply to the most appropriate insurance company for your Epilepsy. Whether you are looking for Epilepsy Life Insurance. Travel Insurance or Income Protection Insurance we will always try and help.

Below is a quick summary of how Epilepsy may affect your insurance policies.

Epilepsy Life insurance cover

How Epilepsy affects your life insurance will depend on various factors such as the type of Epilepsy, the number of seizures you have and the medication you take. Life Insurance companies will take all the information into account and will typically apply a loading to the policy. At The Insurance Surgery, we will ensure that your life insurance application is dealt with by a life insurance company that is ‘Epilepsy friendly’.

Epilepsy and Travel Insurance

Obtaining travel insurance when you have Epilepsy can be a long winded process. We have developed a travel insurance system where you simply enter the details of your Epilepsy once and we will provide you with travel insurance quotations from over 20 companies.

Epilepsy and Critical Illness Insurance

If you live with Epilepsy, Critical Illness Insurance is possible to obtain but will usually attract either a higher premium or will have exclusions relating to epilepsy.

Please feel free to contact us and we will look at your personal circumstances to see which critical illness insurance policy is the most suitable for your Epilepsy.

Epilepsy and Income Protection Insurance

Income Protection Insurance may be available to people with Epilepsy dependant on how severe and regular your Epilepsy seizures are. It may be possible to provide income protection with an increase in premium or with your Epilepsy excluded.

Epilepsy and Private Medical Insurance

As Epilepsy is classed as a chronic condition it is unlikely that you will obtain Private Medical Insurance without Epilepsy excluded.

You will, however, be able to obtain cover for other conditions that are not related to the Epilepsy. Contact us to see what Private Medical Insurance options are available.

Useful Links

The Insurance Surgery is a leading life insurance expert for people with medical conditions such as Epilepsy. We understand your needs more than anyone and we know exactly what to do to get the best cover at the right price
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