When you apply for Life Insurance, angioedema that is well controlled will be acceptable to many insurers on non-ordinary rates. This will mean that a small loading to the policy premium will be put in place for the insurer to offer cover. Depending upon the cause of the condition it is possible that the insurer may wish to see a report from your GP to get a clear picture of your overall health, at which point the underwriting of your policy will be done on a case by case basis.
Critical Illness Cover for people with angioedema will be considered by a number of insurers. We would sometimes recommend that you place your application with multiple insurance providers so that you can choose from the best terms that are available for you. If your condition is caused by another illness such as systemic lupus, the insurer may want to review a report from your GP about your health. Critical Illness Cover may be offered at special rates, which would likely be a small increase to the policy premiums.
When you apply for Income Protection, angioedema will need to be detailed to the insurer in regards to the frequency of the symptoms, medications used and any time you have taken off work with the condition. Cover could be available but this will depend on the severity and frequency of your symptoms.
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Angioedema can occur anywhere on the body and is characterised by a deep swelling of the skin caused by a build up of excess fluid, usually lasting for 1 to 3 days. The condition is closely related to urticaria where developed welts are itchy, whereas angioedema does not typically come with a feeling of itchiness. There are a number of factors that can cause a flare up of angioedema including reactions to drugs such as ACE inhibitors, immune system issues, allergic reactions and a genetic predisposition. Angioedema will often present on the face but is also common on the hands, feet and genitals.
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