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Life Insurance

Life Insurance with Graves' disease may be accepted at standard rates with some insurers provided that the condition is well controlled and there are no contributory secondary conditions. A medical report from your GP may be required if you take certain medications, have had surgery or additional treatment, or there is a secondary illness affecting your health. At this point your application will be reviewed and there may be an increase to your policy premiums depending upon the impact of the additional disclosures to your overall health.

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Critical Illness Cover

When you have Graves' disease a Critical Illness Cover application can often be placed with a number of insurers, with underwriting accepted anywhere from standard to special terms. Where the condition is well controlled and there are no other additional medical disclosures, you may be able to source Critical Illness Cover at normal terms. Where stronger treatments have been in use, secondary conditions are present and the condition has affected the eyes, your application may be subject to a premium increase or blindness exclusion on the policy claims set. It is likely that the insurer will want to speak with your GP in order to fully understand your present state of health before offering you cover. If there are additional health disclosures made, such as atrial fibrillation, it is possible that the cover may be offered at a higher price or even declined.

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Income Protection

Income Protection for those with Graves' disease may be sourced at standard terms through to mild premium increases with some insurers, provided that the condition is well controlled with minimal treatment and there are no additional medical complications. Where the eyes have been affected it is likely that a blindness exclusion will be placed upon the policy. It is probable that the insurer will want to see a report from your GP in regards to your overall health and further detail of any additional complications that you have. Where additional medical disclosures are made it is possible that higher premium increases may be placed on the policy.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have Graves' disease include:

  • Goitre
  • Fertility problems
  • Fine or brittle hair and nails
  • Regular sinus infections
  • Feeling a frequent need to use the bathroom
  • Excess hunger
  • Partial blindness

Medications and Treatments

  • Beta-blockers (e.g. Propanolol/Inderal)
  • Carbimazole
  • Propylthiouracil (PTU)
  • Radioiodine therapy
  • Surgical removal of part of the thyroid gland

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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

Graves' disease is an autoimmune condition that occurs when the hormones produced by the thyroid gland go into overdrive; tetraiodothyrinine (free T-4) and triiodothyronine (free T-3). The excess hormones can cause a number of issues to other parts of the body that can include characteristic 'bulging' eyes, swelling at the base of the neck (goitre) and a greater need to use the bathroom for bowel movements. If well controlled with medication Graves' disease can go into remission over a period of a few months to a few years. It is typically more noted in females and it is believed to be triggered by genetics and stress.

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