Life Insurance for people with Hughes syndrome can be available with a number of insurance providers, if the condition has not resulted in any secondary illnesses or general symptoms within the last few years. It is likely that the premiums will be subject to a small to moderate loading (price increase). If you have displayed symptoms of Hughes syndrome in the last few years your application may need to be sent to a specialist insurer. If the condition is linked to Lupus then cover may not be available with mainstream providers and again may need to be sent to a specialist provider.
Critical Illness Cover for people with Hughes syndrome will be dependent upon the condition having caused no symptoms or secondary illnesses in the last few years. Cover is likely to only be available with select providers and will be subject to a price increase.
Income Protection applications for those with Hughes syndrome will need to be placed with a specialist insurer who may be able to offer cover at non-standard terms, i.e. a premium increase.
Where Income Protection is declined or terms offered do not meet your expectations it is worthwhile considering Accident,Sickness and Unemployment cover instead. An Accident, Sickness and Unemployment policy can provide 12 to 24 months of income protection should you be unable to work due to disability, serious injury or involuntary redundancy. This type of policy is not medically underwritten at the application stage meaning that Hughes syndrome will have no bearing on the acceptance terms. However any claim that you place will exclude inability to work due to the pre-existing condition.
Some potential problems experienced by individuals who have Hughes syndrome include:
Blotchy skin (livedo reticularis)
Medications and Treatments
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Hughes syndrome is an autoimmune condition that causes an increase in the production of antiphospholipid antibodies that can then increase the likelihood of blood clots forming. The condition tends to affect young to middle aged adults and is often more prevalent in females.
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