Thalassaemia Life Insurance, Critical Illness Cover And Income Protection
Thalassaemia is a condition which affects the regulation of haemoglobin in the blood. Those suffering with the condition generally tend to either not produce enough haemoglobin, or none at all. Haemoglobin is an important substance in the bloodstream, at it helps to carry oxygen around the body. Sufferers of Thalassaemia tend to be anaemic, often very tired, and very pale in appearance.
There are different kinds of Thalassaemia, which can be divided into alpha and beta categories. Beta Thalassaemia is more serious. It is also possible to have ‘Thalassaemia Trait’, in which you are a carrier of the condition, but do not experience symptoms. Those who are carriers have a high risk of having children with Thalassaemia.
Thalassaemia can have a great impact on a person’s day-to-day living, with the potential to pass the condition on to their children. The condition can cause organ failure and damage, and in extreme cases, be life-threatening. Thankfully, in the present day modern treatments are helping people to live longer with Thalassaemia. Many people are living well into their 50s and 60s following initial diagnosis.
Those with Thalassaemia tend to have their symptoms identified when they are just a few months old. It is also possible to have the condition identified in late childhood or even adulthood. Those suffering from Thalassaemia tend to experience the following symptoms:
- Breathlessness
- Anaemia
- Heart palpitations
- Pale skin
- Inflated levels of iron in the body
- Heart problems
- Liver problems
- Hormone irregularities
- Fertility issues
- Fragile bones
Those with Thalassaemia will typically require specialist care. Treatments and lifestyle factors which can help ease symptoms associated with the condition include:
- Blood transfusions
- Chelation therapy (treatment in which a build-up excess iron is removed from the body)
- Healthy diet
- Exercise
- Being tee-total
- Not smoking
- A stem cell transplant
- A bone marrow transplant
How Thalassaemia life insurance, critical illness cover and income protection works:
An insurer will generally assess the following criteria when considering a life insurance application for a person with Thalassaemia:
- The severity of your condition and/or symptoms
- Any other underlying health conditions
- Medical treatments undertaken
- Prescribed medications
- Whether you smoke
- Whether you can work as a result of your condition
- Your family’s medical history
At The Insurance Surgery, we are leading Thalassaemia life insurance specialists. We take a close look at your circumstances and desired cover to identify the best life insurance providers that meet your requirements. Just fill in an online form to receive a free no-obligation Thalassaemia life insurance quote.
Thalassaemia life insurance
Underwriting for Thalassaemia life insurance will depend on several factors that insurers will examine in relation to your condition. An insurer may ask you for further details regarding the following:
- Your blood test results
- Medical notes/GP reports
- Whether you smoke
- Medications being taken to regulate your condition
- Any other underlying health conditions
- Any surgeries undertaken
It is possible that an insurer will accept you on standard terms for life insurance, even if you have Thalassaemia. It is likely that an insurer will require copies of medical records and a report from your GP to see how your condition affects you on a daily basis, and to determine your level of risk. If your condition is of low severity, you may be offered cover with standard terms. If however you have complications and severe symptoms, life insurance may be offered to you with high premiums, or even declined. Talk to us at The Insurance Surgery today for more information about insurers that will offer you cover for your situation.
Thalassaemia critical illness cover and income protection
Critical illness cover and income protection is generally unavailable for those suffering with Thalassaemia, due to the associated risks and complications linked to the condition. If you have Thalassaemia Trait and are a carrier of the condition, you may still be able to get income protection on standard terms if you do not have symptoms. An insurer will require access to your medical records and details of any times you have had off of work as a result of illness.
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The Insurance Surgery is a specialist life insurance expert for those suffering with challenging medical conditions such as Thalassaemia. Talk to us today about your life insurance requirements and we can compare the market to find the right insurers that suit your needs.
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