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Life Insurance

Life Insurance for people with coeliac disease can be secured at either normal terms or with a small policy loading depending upon the severity of the condition, time since diagnosis and medications used. Many insurance providers will want to wait at least six months after your diagnosis of coeliac disease before they will consider your Life Insurance application. You are more likely to be offered Life Insurance at normal terms if your condition was diagnosed at least 12 months ago and is well controlled. The insurance provider will want to see a report from your doctor to establish the result of any investigations for coeliac disease that have been made and also to get a general picture as to your overall health.

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Critical Illness Cover

As with Life Insurance, Critical Illness Cover for people with coeliac disease may be available at normal terms if the condition is well controlled and your diagnosis was made at least six months ago. Your Critical Illness Cover application will need to detail the time since your diagnosis, any treatments that you have undertaken and the severity of the condition/symptoms that you experience. Where the condition has been diagnosed for less than a year and/or the symptoms you experience are severe, the insurance provider may choose to offer your Critical Illness Cover at special terms. The insurer will ask to see a report from your doctors surgery so that they can determine the full extent of your condition and get a clear understanding as to your general health.

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Income Protection

Income Protection for people with coeliac disease may be available at normal terms provided that the condition is well controlled and it has not caused you to spend significant time off work in the past. You are more likely to get favourable terms for Income Protection if you were diagnosed with coeliac disease at least 12 months before the date of application and where the condition is well controlled. It is likely that the insurer will want to speak with your doctor about the results of any investigations that you have had and to get a general idea as to how the coeliac disease impacts upon your health.

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Some potential problems experienced by individuals who have coeliac disease include:

  • Dietary restrictions
  • Malnutrition
  • Additional vaccinations

Medications and Treatments

  • Gluten free diet

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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

Coeliac disease is a condition that causes the body's autoimmune system to enter a heightened defence state when items containing gluten are eaten. When the autoimmune system is triggered by the digestion of gluten based products the intestines (small bowel) can become damaged; the substance gliadin within gluten causes this response. There are a number of factors that can increase your chance of developing coeliac disease including a family history of the condition, environmental factors such as prior digestive infections and secondary medical conditions such as type 1 diabetes or ulcerative colitis. There is now medical evidence that suggests that introducing gluten into a babies diets too early may lead to the development of coeliac disease.

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