Haemochromatosis Life Insurance
If you suffer from Haemochromatosis and need Life Insurance to protect your family or your business, then you may have already experienced some difficulties. In some cases it may be possible to obtain Life Insurance for Haemochromatosis at standard rates with no additional loadings and in this section we explain more.
How it works
For anyone looking for Life Insurance with Haemochromatosis, underwriters will assess the following:
- What age were you diagnosed with Haemochromatosis
- Does the condition impact your health
- What treatment / medication do you take
- Are there any other related conditions (e.g. Diabetes, Arthritis etc.)
- Any recent hospitalisation
Our team of Life Insurance experts at The Insurance Surgery are able to quickly identify which insurance providers would be the best to approach for you and your condition. We specialise in helping people who have a pre-existing medical condition such as Haemochromatosis and our expertise has helped thousands of individuals, families and businesses to save money on their Life Insurance.
Case Study 1
- Client: Female
- Age: 34
- Smoker Status: Smoker
- Condition: Haemochromatosis
- Type / Seizures: Petit Mal - Absence Seizures
- Date of Diagnosis: April 2014
- Cover Date: April 2015
- Product Type: Level Term Assurance - Mortgage Protection
- Cover Amount: £125,000
- Cover Term: 35 years
- Premium: £17.57
Case Study 2
- Client: Male
- Age: 70
- Smoker Status: Non-Smoker
- Condition: Haemochromatosis
- Other Conditions: High Blood Pressure
- Date of Diagnosis: February 2015
- Cover Date: October 2015
- Product Type: Level Term Assurance - Family Protection
- Cover Amount: £20,000
- Cover Term: 20 years
- Premium: £48.56
Case Study 3
- Client: Female
- Age: 38
- Smoker Status: Non-Smoker
- Condition: Haemochromatosis Carrier Only
- Other Conditions: Lupus SLE and UTI
- Date of Diagnosis: Unknown
- Cover Date: December 2015
- Product Type: Level Term Assurance - Family Protection
- Cover Amount: £100,000
- Cover Term: 30 years
- Premium: £27.18
Most Common Questions
Independent Reviews at 
The Insurance Surgery - Life insurance review for Ian from Halstead
2 weeks ago
Insurance surgery were extremely helpful throughout the process. I dealt with Greg, he kept me informed and updated throughout and even more so when we hit a few set backs. I’ve got my insurance now a... read more
The Insurance Surgery - Life insurance review for Sirinya from Taunton
3 weeks ago
Very good, efficient and fast prompt service read more
The Insurance Surgery - Life insurance review for Ross from Isle Of Bute
3 weeks ago
They did everything they said they would, I struggled to get insurance for my condition but the Insurance Surgery made sure they found me the best possible deal available. read more
The Insurance Surgery - Life insurance review for Paul from Wallington
3 weeks ago
Excellent, so helpful no pressure just an amazing service read more
The Insurance Surgery - Life insurance review for Mohamed from Wigston
4 weeks ago
Josh at the insurance surgery was outstanding, couldn't do enough for me to get my health insurance sorted.well done !You deserve 5 stars, I wouldn't hesitate to recommend you to family and friends.Th... read more
The Insurance Surgery - Life insurance review for Vishnu
1 month ago
Good understanding of one's needs rather than pushy sales. read more
The Insurance Surgery - Life insurance review for Nathan from Swindon
1 month ago
They were very friendly and very helpful finding me a cover I was happy with. Great service, would definitely recommend. read more
The Insurance Surgery - Life insurance review for Gertrude from Birmingham
1 month ago
Prompt response and constant support throughout. read more
The Insurance Surgery - Life insurance review for Matthew
1 month ago
Very helpful, everything was done so quickly and the person I spoke to who sorted everything was amazing. read more
The Insurance Surgery - Life insurance review for Rebecca from Bishop'S Stortford
1 month ago
I was lucky to have Andy be my point of call for any queries and for all updates.Andy was very pleasant, he was always phoning for updates and reassurances and he was very professional.Andy was simply... read more
The Insurance Surgery - Life insurance review for Stefan from Mansfield
1 month ago
Really super service from start to finish. Greg was so helpful and sorted life insurance for myself and my husband. Thank you so much. read more
The Insurance Surgery - Life insurance review for Valerie from Falkirk
1 month ago
Very helpful indeed. Took away the hassle of shopping around. read more
The Insurance Surgery - Life insurance review for Alan
1 month ago
Great knowledge from Andrew Hellyer, I arranged for a call back and he called back when requested.Fits in with what I was looking for. read more
The Insurance Surgery - Life insurance review for Kwame
1 month ago
I found the service pretty easy to use and got the best deal on offer. They were also very helpful and attentive. read more
The Insurance Surgery - Life insurance review for Lee from Pontyclun
1 month ago
They found us the prefect product and were incredibly patient with our slow replies due to work commitments.Perfect product for our lifestyle. read more
The Insurance Surgery - Life insurance review for Alan from Harwich
1 month ago
organised my life insurance request in a very professional manner and actually saved me some money. read more
The Insurance Surgery - Life insurance review for Taiwo from London
1 month ago
I found a link to The insurance surgery on the Which website so I was looking for a company to deliver a good product, good customer service, no upselling, and no hard selling, The insurance surgery d... read more
Life Insurance for Haemochromatosis:
For people with Haemochromatosis that are looking for Life Insurance, it may well be that your premiums will be available at standard rates with no loading. Generally if your condition is well controlled with medication and there are no major complications / related conditions then underwriters will look favourably on your cover requirements. In most cases, a GP report will be required to support your application which is simply a way for them to reinforce the information provided on your submission form.
In some cases where Haemochromatosis has been diagnosed later, which has caused complications or other related conditions are present, there may be an additional loading applied to your premium. Haemochromatosis can cause other issues such as Diabetes, Arthritis or even risk of Cancer or Heart Disease if not detected early enough.
Haemochromatosis Critical Illness Cover:
Anyone suffering from Haemochromatosis looking for Critical Illness Cover should be able to get cover and in many cases there will be no additional loading to the premiums or exclusions applied. If the condition is well controlled and there are no complications, Critical Illness Cover is very often offered with no loadings or exclusions.
As with Life Insurance, if your Haemochromatosis symptoms are more severe or if there is some sort of related condition, then you may find that special terms will be applied. Possible outcomes of applications where the condition is more serious are, premium increase may be applied and / or some exclusions may be applied to the policy. If you have Diabetes and are looking for cover then you may well find that cover will unfortunately be difficult to obtain.
Haemochromatosis and Income Protection:
Our experience in this area shows that people who have Haemochromatosis and are looking for Income Protection will generally be able to get the cover, if the condition is well controlled with few or no complications. Most applications we wee are accepted and the terms offered will depend on the type of treatment, time off work due to the condition and whether there are any other related conditions (e.g. Diabetes, Arthritis etc.).
Facts about Haemochromatosis:
There are several different types of Haemochromatosis and it is generally caused by an excessive amount of iron in your diet or it can be genetic, which is where the body absorbs excessive amounts of iron. The excess iron that is absorbed will cause further health issues as the body is incapable of processing it, this generally affects other organs such as:
- Heart
- Liver
- Pancreas
- Joints
Where the excess iron is stored and then leads to further damage.
- Haemochromatosis usually affects people between the age of 30 and 60
- More prevalent in Celtic countries (e.g. Scotland, Wales and Ireland)
- Approximately 1 in 9 Europeans carry one defective gene for Haemochromatosis
- Men are more likely to be diagnosed at an earlier age
Symptoms of Haemochromatosis
There are a number of ways to be able to tell that you have Haemochromatosis, or it can simply be diagnosed from a blood test if no symptoms occur.
Early symptoms include:
- Loss of energy / fatigue
- Losing weight
- Feeling weak
- Pain in various joints
- Erectile dysfunction(in males)
- Irregular periods (in females)
These symptoms can develop to cause further issues if not treated early enough or if the correct course of action is not taken.
Complications of Haemochromatosis
There can be far more serious implications for someone who has Haemochromatosis if the condition is not correctly treated or identified quickly enough.
Some complications that can develop include:
- Diabetes: If the Haemochromatosis causes damage to the Pancreas which provides insulin.
- Liver Damage: Can cause Cirrhosis of the Liver if not treated which can also lead to an increased risk of Liver Cancer
- Heart Problems: If untreated, the iron can lead to developing Cardiomyopathy which is damage to the heart muscles which can also lead to Heart Failure
- Arthritis: In some cases where the joints are affected, it can lead to developing Arthritis which can lead to the need for surgery to replace affected joints
Useful Links:
Haemochromatosis Society: www.haemochromatosis.org.uk
British Liver Trust: www.britishlivertrust.org.uk
NHS Choices: www.nhs.uk/Conditions/Haemochromatosis/Pages/Introduction.aspx
The Insurance Surgery specialises in finding competitive life insurance and travel insurance for people living with pre-existing medical conditions, such as Haemochromatosis. Our team of experts has helped thousands of individuals, families and businesses to protect themselves and their financial futures by finding the best cover at the right price.
Can I obtain life insurance and travel insurance if I have Haemochromatosis?
At The Insurance Surgery, we are specialists in obtaining life and travel insurance for people with Haemochromatosis.
Most Financial Advisers will only ever come across a handful of people with Haemochromatosis in their careers so it is not surprising that they are often unsure where is the best place to request life and travel insurance.
At The Insurance Surgery, we help thousands of people with medical conditions each year find a cover that is suitable to their needs, often saving them a great deal of money and time in the process.
We have built a database of clients, including ones with Haemochromatosis, and are able to search this database to see which insurance companies were able to give the best life insurance and travel insurance rates to clients with Haemochromatosis.
Please read the guide below to gain a little more information.
Haemochromatosis and Life Insurance
We would need to obtain full details of your Haemochromatosis before we would be able to confirm if life insurance would be available. It is likely that the best scenario is that the cost of the life insurance is increased due to the Haemochromatosis, there is however, a possibility that cover could be declined. Please contact us and we will be able to provide more information.
Haemochromatosis and Travel Insurance
One of the main complaints people with Haemochromatosis have regarding finding Travel Insurance is having to repeat details of their condition every time they want to obtain a travel insurance quote. This makes shopping around for the best cover a very laborious process. At The Insurance Surgery, we allow you to simply enter your medical details once and we will provide you with multiple quotes to choose from. Please click the quote button to obtain your Haemochromatosis Travel Insurance Quote.
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