When you have Addison's diesase, Life Insurance applications will look at a number of factors that can be present with the condition in order to establish what terms of cover you can have. In most cases the insurer will want to see a medical report from the GP so that they can fully understand the present state of your health before offering terms. Where the Addison's disease is fully controlled with medication and there has been no secondary conditions involved it is possible that some insurers will offer standard terms of cover. Where secondary conditions are present you may find that your Life Insurance is accepted at special terms, in which the policy premium is increased. If there has been a history of adrenal crisis the insurer will want full details as to the time of the last episode and may result in an increased premium or postponement of cover until sufficient time has past since the event.
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Critical Illness Cover
Addison's disease Critical Illness Cover may be available at normal rates if the condition is well controlled and there has been no recent episodes of adrenal crisis. Again, the insurer will likely want to see a report from your GP to ascertain the full extent of how the condition effects your overall health. Where there are additional medical disclosures within the application it is possible that the insurer will offer you cover at an increased policy premium. In some circumstances it is possible that an offer of Critical Illness Cover will come with exclusions to claims for diabetes and/or thyroid problems. Where you have experienced a recent adrenal crisis you may find that any Critical Illness Cover application will be postponed until a date that the insurer feels that your health has stabilised.
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Income Protection for those with Addison's disease where available will generally require a GP report for the insurer to assess your health. Where Addison's disease is well controlled and there are no additional health disclosures it is possible that you may be offered Income Protection with a small premium loading. If you have had any history of adrenal crisis or secondary illnesses contributing to your health you may find that your cover is either subject to a higher premium increase or the application declined.
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Should you find that Income Protection is not available to you or outside of your budget it is worthwhile considering Accident, Sickness and Unemployment Cover as an alternative. Accident, Sickness and Unemployment Cover offers a regular monthly income replacement for between 12 and 24 months, if you are unable to work due to disability, injury or involuntary redundancy. This policy type is not medically underwritten at the point of application which means that your Addison's disease will not have an impact upon the policy premiums or acceptance terms. However any claim that you place on the policy will be subject to medical underwriting and if you are unable to work due to your condition this will not be an accepted claim.
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Some potential problems experienced by individuals who have Addison's disease include:
- Chronic exhaustion
- Vomiting and diarrhoea
- Excess sweating
- Delayed puberty
- Fludrocortisone acetate (Florinef)
- Hydrocortisone Sodium Phosphate (Efcortesol)
- Hydrocortisone Sodium Succinate (Solu-Cortef)
- Methylprednisolone (Medrone)
- Prednisolone (Deltacortril)