When you apply for Life Insurance, gout is a condition that you will need to disclose in your medical history if you have had symptoms within the last few years. For many, where gout is restricted to a single joint, it will have no impact upon the Life Insurance application and the policy will be accepted at standard terms. Where the gout is present in multiple joints, the flare ups are frequent or there are additional medical disclosures to make (such as high blood pressure or kidney trouble), the insurer may wish to speak with your GP to establish a clear picture of your health. In these circumstances your policy may be subject to a small premium loading. In some circumstances, if the crystallisation is very severe then cover may be declined.
Critical Illness Cover for those with gout will be treat in a very similar way to a Life Insurance application. The insurer will be most interested in the severity and regularity of your flare ups, as well as any other significant medical conditions that you have. As with the above, the insurer may decide to speak with your GP in regards to your health if your Critical Illness application has added disclosures. Where the gout is present in one joint it is likely that your policy should be accepted at standard terms. If however the gout is present in multiple joints, the symptoms are frequent or you have other conditions such as blood pressure or kidney problems then the price of cover may be increased.
Income Protection for people with gout is often treat in the same manner as Life and Critical Illness applications. Mild cases of gout can often be accepted at normal terms. If there has been recent flare ups in multiple joints then there is a chance that the premiums for Income Protection will be increased. It is likely that gout will not be excluded from an income protection plan. It is worth noting that insurance companies' views on gout differ greatly so it is worth speaking to an insurance broker before arranging cover.
For more information on specific health conditions, pastimes, occupations and countries please select here:
Request a Callback
By clicking on submit I / We give consent for you to call me / us on the number provided to discuss my / our financial requirements.
Talk to a Friendly Adviser
Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.
Gout occurs when there is a build up of excess uric acid that is not being effectively removed from the body by the renal system. Gout flares up often occur within the big toe, but it can present itself in any joint, causing the area to become inflamed and painful to the touch.
Gout onsets over a period of a couple of hours and usually lasts between 3 to 10 days. Gout is an extremely painful condition that affects 1 in every 200 adults (more commonly men) and is often treated with painkillers, it can be a one off or a frequent occurrence for people.
Other Services Available
You can apply for any of the following services through ourselves
By clicking on the link(s) above you will be departing from the regulatory site of Special Risks Bureau. The Special Risks Bureau (Cura Financial Services) is not responsible for the accuracy of the information contained within the linked site(s).
We are specialist high risk insurance advisers who are dedicated to helping everyone get the insurance that they need.
The materials in this website are in no way intended to offer medical advice. Please consult your doctor if you notice medical symptoms or feel ill.
Information regards taxation levels and basis of reliefs are dependent on current legislation, individual circumstances are not guaranteed and may be subject to change.
Special Risks Bureau is a trading style of Cura Financial Services Ltd, which is authorised and regulated by the Financial Conduct Authority.
The Financial Conduct Authority does not regulate trusts.
The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren't able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.
Cura Financial Services Ltd is Registered in England and Wales, Number 8478749, 2 Station Approach Offices, Filey, North Yorkshire, YO14 9PF