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Life Insurance

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.

Get a Life Insurance Quote

Critical Illness Cover

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.

Get a Critical Illness Cover Quote

Income Protection

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.

Get an Income Protection Quote

If a long term income protection cannot be sourced you may be eligible for a short term accident and sickness plan that will simply exclude any pre-existing conditions.

Get an Accident, Sickness and Unemployment Quote

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have angioedema include:

  • Difficulty breathing (swelling of the tongue or throat)
  • Swelling of the bowel and bladder

Medications and Treatments

  • Adrenaline (EpiPen)
  • Aminophylline
  • Anapen
  • Atrovent
  • Chlorphenamine maleate (Piriton)
  • Clemastine (Tavegil)
  • Desloratadine (Neoclarityn)
  • Dexamethasone sodium phosphate
  • Fexofenadine hydrochloride (Telfast)
  • Hydrocortisone Sodium Phosphate (Efcortesol)
  • Hydrocortisone Sodium Succinate (Solu-Cortef)
  • Ipratropium (Respontin)
  • Levocetirizine dihydrochloride (Xyzal)
  • Loratadine
  • Methylprednisolone Sodium Succinate (Solu-Medrone)
  • Prednisolone (Deltacortril)
  • Prednisolone acetate (Deltastab)
  • Prednisolone Sodium Phosphate
  • Salbutamol
  • Terbutaline

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Talk to a Friendly Adviser

Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

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.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research