Life Insurance for people with Ehlers-Danlos Syndrome is generally available at non-standard terms with small premium loadings where the condition is well controlled. The insurance provider that you apply to for Life Insurance will want to see a report from your GP about your health. If the symptoms that you experience are severe and/or there are other contributory conditions that you are diagnosed with it is possible that the insurer may place a higher premium loading on the policy.
Critical Illness Cover for those with Ehlers-Danlos Syndrome will be reviewed on a case by case basis. Terms of cover will depend highly upon the severity of the condition. The insurer will likely want to see a report from your GP in regards to the type of EDS that you have and the general implications that it has upon your health.
Income Protection for people with Ehlers-Danlos Syndrome is not available at this time.
An alternative to Income Protection is a policy called Accident, Sickness and Unemployment cover. This type of policy offers short-term income protection over a period of 12 to 24 months if you are unable to work due to disability, long-term illness or involuntary redundancy. An Accident, Sickness and Unemployment policy is not medically underwritten, meaning that the diagnosis of Ehlers-Danlos Syndrome will have no bearing on the terms of cover that you are offered. You should be fully aware though that any claim that you place will exclude inability to work due to circumstances related to the Ehlers' Danlos Syndrome.
Some potential problems experienced by individuals who have Ehlers-Danlos include:
Mitral valve prolapse
Slower wound recovery
Spinal curvature (Kyphoscoliotic)
Difficulty with fine motor skills
Restrictions on exercise
Difficulty completing household chores
Internal organ rupture
Medications and Treatments
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Ehlers-Danlos Syndrome (EDS) is a connective tissue disorder that is diagnosed within the collagen within the body is reduced or weaker than normal. The key indicators of the condition are joint hypermobility, stretchy and fragile skin. Ehlers-Danlos Syndrome is an inherited condition and is often diagnosed through a physical examination of the individual; in some cases a small skin biopsy will be taken to determine the type of EDS that is present.
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