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.
We answer your most frequently asked questions.
In some cases and almost all cases where Haemochromatosis is well controlled with medication and has been diagnosed early enough, we are able to get life cover at standard rates with no additional loading.
If there are complications or related conditions, there may be some additional premium loading which depends on how serious things are.
Due to the nature of Haemochromatosis and the fact that it can be well controlled with medication / treatment, it is very possible to be able to get Income Protection and Critical Illness Cover for someone with Haemochromatosis.
In our experience, we have found that underwriters can offer terms at Standard Rates or there could be a premium loading for more severe cases.
It is definitely worth speaking to The Insurance Surgery team of experts to see whether we can do anything to reduce your current premiums, or to review your existing cover, even if you have Haemochromatosis and got cover before you were diagnosed.
We have access to all of the top insurance providers in the UK, as well as access to specialist insurance companies to get you the best cover and competitive premiums.
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.
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.
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.).
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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.
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.
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. Find out more from our partners about Travel Insurance Here
