Life Insurance for those with Barrett's Oesophagus is possible if the condition is mild and there is no associated dysplasia. Where there is no dysplasia and there are no additional medical disclosures to make, you may be able to secure Life Insurance at standard rates or with a small loading. If the condition is more serious, with regular symptoms, then Life Insurance will likely be loaded. In extreme circumstances or where the condition has led to cancer then there is a chance that cover may be declined.
Critical Illness Cover for people with Barretts Oesophagus is possible but you may find that your premiums will be loaded due to the condition. The insurer may request to see a medical report from your GP to determine the extent of your condition, alongside the results of any investigations you have had such as an endoscopy. This will be done at the insurers expense and should not cause you any alarms. As with Life Insurance, where the condition has turned cancerous it is probable that your application for Critical Illness Cover will be declined.
Income Protection for those with Barretts Oesophagus can often be sourced with select companies, but a number of insurers will not offer cover. To be eligible for Income Protection your diagnosis of Barretts Oesophagus should ideally not affect a large area (e.g. more than 3cm) and should have no dysplasia present.
As an alternative to Income Protection you may wish to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy provides a regular montly replacement for lost earnings due to illness, injury or redundancy, for a period of between 12 and 24 months. This policy is not medically underwritten meaning that should you not be eligible for Income Protection, you can still have a policy that provides income replacement if you were to need it. You should note that whilst the policy is not medically underwritten, you will not be able to place a claim for lost earnings due to any pre-existing medical conditions that you have.
Some potential problems experienced by individuals who have Barretts Oesophagus include:
Discomfort when eating
Medications and Treatments
Acid suppressor (Ranitidine, Zantac)
Proton pump inhibitors
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Barretts Oesophagus is diagnosed when the cells that line the lower oesophagus, just above the sphincter and stomach, become columar cells (red, tall) instead of squamous cells (pinkish-white, flat). It is thought that the condition is caused by long-term acid reflux, but may also be caused by smoking and carrying excess weight around the torso. Whilst Barretts Oesophagus is not cancerous, the cell changes that occur increase the risk of oesophageal cancer developing, and are therefore deemed to be precancerous.
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