Finding life insurance when you have Tourette’s syndrome shouldn’t cause many issues and should be fairly easy to obtain. However this depends on the severity of your condition as well as any treatment or medication you have had.
Insurance providers may need to know a few things about you in order to process your application:
Getting life insurance when you have Tourette’s Syndrome should be relatively simple. Providers will ask a few things about your condition to assess how much of a risk your condition is to them.
If your condition is mild, and you don’t have any other pre-existing medical conditions then it is possible that you can get Tourette’s Life Insurance at standard rates, this means that you would pay the same amount for your cover as someone without any medical issues.
If you have Tourette’s Syndrome and you are looking for critical illness cover it is possible that you will be accepted. This depends on the severity of your condition and any complications you have had as a result. In addition, any other medical conditions or issues you have can also affect your application.
It is also possible that your policy may have an exclusion placed upon it, excluding your Tourette’s syndrome or possibly an entire mental health exclusion depending on the severity of your condition.
Similarly to Tourette’s Syndrome Critical Illness Cover, Tourette’s Syndrome Income Protection is possible to get. It will depend on your medical history and the severity of your Tourette’s syndrome as to what type of income protection is available to you and it is also likely that there will be an exclusion applied to your policy.
Tourette’s Syndrome is a condition that causes a person to make involuntary sounds and movements called tics. The cause of Tourette’s Syndrome is currently unknown, however it is treatable.
The main symptom of Tourette’s Syndrome is tics, which usually appear in childhood between the ages of 2 and 14 (averaging at age 6). People with Tourette’s can have a combination of physical and vocal tics.
Examples of physical tics are:
Examples of vocal tics are:
Tics are not usually harmful to a person’s health, but physical tics that involve jerking of limbs for example, can be painful. Tics can vary from day to day, with some days being worse than others. Things such as stress, anxiety or tiredness may worsen tics.
People with Tourette’s Syndrome can have other medical conditions such as:
Tourette’s is currently incurable, however research has shown that generally as Tourette’s Syndrome sufferers age their condition improves. Treatment is also available to help people manage their tics although most children with Tourette’s Syndrome don’t need treatment.
There are 2 main types of treatment:
Behavioural treatment includes therapy, usually provided by a psychologist or specially trained therapist. There are 2 types of behavioural therapy that have been shown to reduce tics, habit reversal training and exposure with response prevention (ERP).
Habit reversal training involves working out the feelings that trigger tics, and then find an alternative, less noticeable way to relieve the tic.
Exposure with response prevention trains Tourette’s Syndrome sufferers to better control your urge to tic, techniques are used to recreate the urge to tic to train people to tolerate the feeling, without ticking, until the urge passes.
Medicinal treatment is only recommended if the tics are more severe or affect daily activities, and they may have side effects or may not work for everyone.
Useful links
https://www.nhs.uk/conditions/tourettes-syndrome/
https://www.tourettes-action.org.uk/