Generally there is a very good chance of being able to get Kidney Stones life insurance fairly simply and often the rates are the same as for someone with no medical issues if the condition is mild or a one-off. In most applications that we see for Kidney Stones life insurance there is often no need to provide additional medical evidence either as long as we apply to the right insurer for you which saves you time and hassle.
There are a number of critical elements which would usually be taken in to consideration when assessing Kidney Stones life insurance which are:
- How old were you when you were diagnosed with Kidney Stones
- Have you had multiple episodes or is this a one-off
- Do you have any other underlying medical or health problems
- Have you ever had surgery to remove Kidney Stones
- What medication or treatment have you had
Rates for Kidney Stones life insurance can vary from standard rates for a mild to moderate case to higher premium loadings where symptoms are more frequent and severe or if there are other related health issues. In some cases where the individual is older with an unhealthy lifestyle there could be a higher loading so it is important to speak to a specialist like us in these instances.
If you have previously applied for Kidney Stones life insurance or have been accepted with an increased premium then you should contact one of our team of experts. We will be able to look at your circumstances to be able to tell you whether you will be able to reduce your premiums or let you know what we can do to help you.