Life Insurance for people with haemophilia may be available at standard terms depending upon the type and severity of the condition that you are diagnosed with. It is possible that the insurer that you approach for Life Insurance may want to see a report from your GP, arranged at their own expense. This report will confirm to the insurer the type of haemophilia that you have, detail any preventative medications that you use and any episodes of severe symptoms requiring reactive/on-demand treatment.
Haemophiliacs with mild symptoms may be able to secure Life Insurance at standard terms with some insurers. In other circumstances Life Insurance may be available at non-standard terms (premium increase), with recent severe episodes postponed for a set period of time or where the condition is consistently severe the application for Life Insurance may be declined.
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Critical Illness Cover
Critical Illness Cover for those with haemophilia should be available at non-standard terms, if the cover is available to you. If your condition is considered to be mild by the insurer once they have assessed your application, and potentially a GP report, they may be able to offer Critical Illness Cover with a small premium increase. Where symptoms are of a stronger nature or are severe the insurer may choose to place a higher premium increase on the cover, postpone or decline the application for Critical Illness Insurance.
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Income Protection for haemophiliacs should be offered at non-standard terms, if the insurer you approach is willing to offer cover to those with the condition. The insurance provider handling your application will look at the details you have provided and determine if they can offer cover based upon the severity of your symptoms, medications that are in use and if you have had extended periods of time off work due to your health. Where Income Protection is available it will be offered at rated terms which means that the policy premium will be increased to offset the risk of you claiming on the policy due to the haemophilia.
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For those who find that the terms provided for Income Protection do not suit their needs, it is possible to consider Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy will provide 12 to 24 months of short-term income protection in the event that you are unable to work due to disability, long-term illness or are made involuntarily redundant.
This policy type is not medically underwritten at the application stage which will mean that your diagnosis of haemophilia will have no impact upon the policy premium or acceptance terms. However the policies are medically underwritten at the point of a claim and will exclude any claims relating to pre-existing conditions.
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Some potential problems experienced by individuals who have haemophilia include:
- Joint deformity
- Family planning
- Internal bleeding
- Desmopressin acetate (DDAVP, Octim)
- Eptacog Alfa
- Factor II/Factor VII/Protein S/Factor X/Protein C/Factor IX
- Factor IX high purity (AlphaNine, Replenine-VF)
- Factor VIII/von Willebrand factor (Haemate P, Optivate)
- Factor XIII (Fibrogammin P)
- Immune tolerance induction (ITI)
- Nonacog Alfa
- Octocog Alfa (Helixate NexGen)