Life Insurance for people with brittle bone disease may be available with some insurance providers. Any application that you place for Life Insurance will need to detail the type of brittle bone disease that you have, when the condition was diagnosed, the frequency of your fractures and other symptoms, and any other secondary conditions that are present. The insurance provider will want to see a report from your GP to establish the severity of your condition; this is arranged at the insurers expense not your own. Where Life Insurance is available the terms of cover will be non-standard which means that the policy premiums will be increased in line with the severity of your condition. In severe cases it is possible that your application for Life Insurance with a specialist provider who can consider the cover.
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Critical Illness Cover
Critical Illness Cover for people with brittle bone disease is generally unavailable. There is the potential that an insurer may consider your application if you have a mild form of the condition with few symptoms. Your application will be reviewed by the insurers senior medical underwriting team in order for them to determine if they are able to offer you any terms for Critical Illness Cover.
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Income Protection for people with brittle bone disease will typically be unavailable. If your condition is mild and does not impact upon your ability to work then the insurer may consider your application for Income Protection. The insurers senior underwriting team will review your application to see if they are able to offer you terms for Income Protection.
Enquire about Income Protection
You may wish to consider Accident, Sickness and Unemployment Cover as an alternative to Income Protection. An Accident, Sickness and Unemployment policy will provide short-term income protection for between 12 and 24 months if you are unable to work due to disability, long-term illness and involuntary redundancy. Accident, Sickness and Unemployment policies are not medically underwritten which means that your medical history will have no bearing upon the policy acceptance terms. You should be fully ware that any claim placed on a policy such as this will exclude cover for any pre-existing medical conditions such as brittle bone disease.
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Brittle Bone Disease Travel Insurance
Are you planning on going abroad? We can arrange for you to speak with a specialist travel insurance broker, who can offer cover for most health conditions. To access your no obligation quotation, please click here.
- Avoiding contact sports
- Family planning considerations
- Reduced mobility
- Social anxiety
- Use of mobility aids
- Use of hormone replacement therapy (HRT)
- Bone Density Scans (DEXA)
- Occupational therapy
- Vitamin D supplements