Hirschsprung’s Disease life insurance, critical illness cover and income protection
Hirschsprung’s Disease is a condition in which faeces do not pass through the bowels properly and become stuck in the body. Those that suffer from the condition often have nerves missing from a section at the end of their bowel. It is these nerves that typically control the movement of the bowel.
Without treatment, Hirschsprung’s Disease can lead to serious bowel infections and severe constipation. The condition is usually diagnosed in babies, and can run in a family's medical history.
Symptoms include (in babies):
- Failure to empty the bowels/pass meconium
- A swollen abdomen
- Vomiting bile
- Stomach pain
- Failure to gain weight
- Severe constipation
If a child is diagnosed with Hirschsprung’s Disease, they will almost certainly need surgery to correct the problem. Other treatments include:
- Fluids delivered intravenously via a drip
- Drainage of stomach fluid through a tube (passed through the nose and into the stomach)
- Having the bowel washed out regularly
Many children are often treated for Hirschsprung’s Disease by having an operation in which the affected area of the bowel is removed. There are risks associated with the surgery, including:
- Heavy bleeding
- Infection of the bowel
- A blockage in the bowel, leading to further surgery
Some people who have suffered with Hirschsprung’s Disease continue to experience uncomfortable symptoms into adulthood.
How Hirschsprung’s Disease life insurance, critical illness cover and income protection works:
Insurers will generally assess the following criteria when reviewing an application for Hirschsprung’s Disease life insurance:
- The initial date of diagnosis
- Severity of the condition
- Medications being taken to treat symptoms
- Hospital and/or medical treatment received
- Surgery undertaken
The Insurance Surgery is a leading life insurance specialist for those who have suffered with Hirschsprung’s Disease. We can compare the market and assess hundreds of different insurers to find you the right cover plans for your needs. For a free no-obligation quote for your Hirschsprung’s Disease life insurance, simply fill in one of our online forms.
Hirschsprung’s Disease life insurance
Underwriting for Hirschsprung’s Disease life insurance will depend on several factors in relation to your previous condition and its severity. Insurers may ask you the following questions:
- What age were you when you were first diagnosed with Hirschsprung’s Disease?
- Are you taking any medications to ease your symptoms?
- Have you ever received treatment in hospital for Hirschsprung’s Disease?
- Have you ever had surgery for Hirschsprung’s Disease?
- Are there any other underlying medical conditions present?
- Are there any recurring symptoms?
While it is possible that your application for life insurance could quickly and easily be approved online by an insurer, there may be instances where an insurer will want to discuss your application further with you to determine the severity of your condition. For instance, an insurer may want access to details of medications you may be presently taking, the date of your initial Hirschsprung’s Disease diagnosis, and details of any other medical-related complications that are related, such as Down's Syndrome. At The Insurance Surgery, we have helped many people find the right Hirschsprung’s Disease life insurance cover for their needs.
There are a number of additional factors that could affect your Hirschsprung’s Disease life insurance premiums. These are:
- Diagnosis date
- Treatments undertaken
- Medications taken
- Whether surgery has been successful in treating the condition, or whether there have been additional complications
Ratings for Hirschsprung’s Disease life insurance can vary depending on a person's individual circumstances, so it is important that you approach the right insurance provider that can meet your needs and give you the right cover.
Hirschsprung’s Disease critical illness cover
If you have fully recovered from Hirschsprung’s Disease without additional complications, it is likely that you will be offered critical illness cover on standard terms by many insurers. If however you still have lasting symptoms that need to be treated and/or controlled with medications, an insurer will most likely offer you cover on non-standard terms, and will also request access to your medical records for more details about the type of surgery you had and your future prognosis. People with lasting symptoms following surgery for Hirschsprung’s Disease may find that a premium loading is applied to their critical illness cover.
Hirschsprung’s Disease income protection
If you have suffered from Hirschsprung’s Disease and require income protection, you will need to supply information to an insurer about whether your symptoms and condition have caused you to take time off work. If you no longer have symptoms and your condition doesn't affect your day-to-day activities because you have made a full recovery, it is likely that you will be offered cover on standard terms. Your premiums may be increased if you are still suffering from complications from your condition or surgery. In more extreme cases, an insurer could deny your application.
- NHS Choices: https://www.nhs.uk/conditions/hirschsprungs-disease/
- Contact: https://contact.org.uk/advice-and-support/medical-information/conditions/h/hirschsprungs-disease/
The Insurance Surgery is a specialist life insurance expert for those suffering with Hirschsprung’s Disease. We specialise in helping customers find the right cover for their needs and personal circumstances, and can compare the market to find insurers that are right for you.
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