Life Insurance for people with epilepsy can often be arranged for people who experience either petit mal or grand mal seizures. Most people should be able to get Life Insurance who are epileptic, but the acceptance terms of your policy will depend upon the type of seizures that you have, regularity of symptoms and how well controlled the condition is.
If your epilepsy is classed as petit mal (no loss of consciousness ) you will often be able to get Life Insurance at standard terms if you approach the most suitable insurance provider for your medical disclosure. Some insurance companies will offer standard terms if you suffer less than 50 attacks per year or have not had an attack for over six months, however each insurer differs.
If you suffer from grand mal epilepsy (loss of consciousness and/or convulsions) then it is more likely that the prices for Life Insurance will be subject to a small medical loading. If you suffer 12 or less attacks per year the loading is likely to be very light, if you suffer more than 12 per year then this loading could increase. If however you have had no symptoms for a number of years then some insurance companies can consider cover at standard terms.
It can be difficult to obtain Life Insurance when you have epilepsy if you are newly diagnosed. Many insurance companies will want to see you diagnosed for 6 months before offering cover. This does not mean however that you should not get it touch as this is often a case-by-case basis.
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Critical Illness Cover
Critical Illness Cover for those with epilepsy can be rather straight forward to arrange if your epilepsy is well controlled. As with Life Insurance you may be able to obtain Critical Illness Cover when you have epilepsy at standard terms, with petit mal epilepsy, if you approach a suitable insurer. Epilepsy with grand mal seizures will probably result in the insurance provider placing a small loading on your policy however if symptoms are frequent this could become a moderate to high loading. As with Life Insurance if you have been symptom free for a number of years then cover can often be offered at standard terms.
It should be noted that in some circumstances insurance companies may add a epilepsy and/or neurological exclusion to the TPD element of cover.
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Income Protection for those with epilepsy classed as petit mal can sometimes be accepted at standard premiums but may come with a condition exclusion. Some insurance companies offer better terms if you have a longer deferment period on the cover (e.g. 13 weeks).
For individuals with grand mal epilepsy, Income Protection is more likely to come with a moderate premium loading or exclusion, depending upon who you approach and if you would prefer a higher premium or an exclusion. In some circumstances if you have gone symptom free for a number of years Income Protection when you have epilepsy can be offered at standard terms.
Where epilepsy is well controlled insurance providers may be able to offer you terms at the point of application, otherwise they may want to speak with your GP to proceed with your application.
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Some potential problems experienced by individuals who have epilepsy include
- Restrictions on alcohol consumption
- Driving Restrictions
- Family planning
- Damage to the tongue
- Routine medications
- Absences, myoclonic jerks, clonic seizures, atonic seizures, tonic seizures, tonic-clonic seizures
- Flashing lights
- Lack of sleep
- Acetazolamide (Diamox)
- Carbamazepine (Tegretol)
- Clobazam (Frisium)
- Diazepam (Diazemuls, Stesolid)
- Ethosuximide (Emeside)
- Fosphenytoin Sodium (Pro-Epanutin)
- Gabapentin (Neurontin)
- Inovelon (Rufinamide)
- Lacosamide (Vimpat)
- Levetiracetam (Keppra)
- Lorazepam (Ativan)
- Oxcarbazepine (Trileptal)
- Phenytoin (Epanutin Infatabs, Epanutin suspension)
- Phenytoin Sodium (Epanutin capsules, Epanutin ready mixed parenteral)
- Piracetam (Nootropil)
- Pregabalin (Lyrica)
- Primidone (Mysoline)
- Rivotril (Clonazepam)
- Sodium Valproate (Epilim, Epival, Orlept)
- Tiagabine hydrochloride monohydrate (Gabitril)
- Topamax (Topiramate)
- Trobalt (Retigabine)
- Vigabatrin (Sabril)
- Zonegran (Zonisamide)