Life Insurance when you have had anorexia may be possible on the standard insurance market. Typical questions to expect when you apply for Life Insurance will include details of your height, your weight; and specifically the lowest that you weighed and the time since you were this weight. If your BMI is below 17, it is likely that you will need to approach a specialist insurance provider who can consider your application for Life Insurance. Depending upon the severity of your condition the insurer may ask to see a report from your GP to detail your medical history more thoroughly. If you have had any history of self harm or hospitalisation, been seen by a community health team and/or psychiatrist, the insurer will take these into consideration as well.
For those who are now recovered from anorexia with a BMI that falls within the insurers accepted limits, Life Insurance could be available at normal terms. If the symptoms of anorexia are still present and/or the BMI is still below standard guidelines the insurer may offer cover at non-standard terms, or the application for Life Insurance need to be placed with a specialist insurer.
For Critical Illness Cover, you will need to tell the insurance provider information about your history of anorexia, if it is ongoing or the time since you last had symptoms, and any medications or treatments that you take. Depending on the time since you had anorexia and the severity, cover could be available anywhere between normal terms to non-standard terms. The insurer will want to know of any other medical conditions that you have and will ask you specific questions regarding your mental health, and if there has been any periods of self-harm. A GP report may be requested to get a full picture of how anorexia has affected your life; this is a normal process for many health conditions and should cause you no concern.
The insurance provider will also need to know what your current BMI is. Similarly to Life Insurance, if your BMI is too low, you may need to place your application for Critical Illness Cover with a specialist provider.
Income Protection can be available for those with anorexia. Insurers will want to know details about your current BMI and the lowest that it has been. As with the above insurances, if you suffered with anorexia in the past and your weight is now stable and within a healthy range, you may be able to find normal terms for this type of insurance. There is the potential that the insurer may place mental health exclusion on the claims set of your policy. For those who still have active symptoms of anorexia or a very low BMI it is possible that standard income protection will be unavailable.
As an alternative if standard income protection is unavailable, or the terms you are offered do not meet your requirements, you could consider Accident, Sickness and Unemployment Cover. This policy will pay out a claim if you are unable to work due to disability, long-term illness or involuntary redundancy. Claims are paid for a period of between 12 and 24 months, depending upon your preferences. This policy type is not medically underwritten at the time of application, which means that your history of anorexia will have no bearing on the policy acceptance terms. It is important to note, that any claim that you make will be medically assessed and any existing medical conditions that you have, excluded.
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Anorexia is a serious mental health condition whereby sufferers usually have a distorted image of their bodies and weight. They want to keep their body weight low because they feel too fat or not thin enough. This health condition can last several years and have serious effects on the body, sometimes leading to osteoporosis, infertility and heart problems.
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