Having hypermobility syndrome is not likely to affect your Life Insurance application unless you have had a significant injury or have significant musculoskeletal problems. Life Insurance when you have hypermobility syndrome often results in policies being accepted at standard terms, which means that the condition is not seen to pose a significant risk by the Insurer.
Similarly to Life Insurance you should have no problems applying for Critical Illness Cover when you have hypermobility syndrome. If you opt to include Total Permanent Disability in your policy (TPD) then you may have an exclusion placed on it for musculoskeletal disorders, due to the increased risk of breaking and spraining that the condition comes with. This however is a small part of the policy and should not put you off looking into this cover.
Income Protection for individuals with hypermobility syndrome is often a rather straightforward process. Whilst there are some companies who will not offer cover to people with hypermobility syndrome there are a lot of companies who will. The insurance provider will want to establish the severity of your condition before they accept your application. You are likely to have an exclusion placed upon your Income Protection policy for any musculoskeletal conditions.
It is essential that you are truthful in regards to how much hypermobility syndrome affects you and if there are any notable injuries or related illnesses in your medical history. A successful Income Protection claim will involve the insurance provider speaking with your GP who will be asked to give a thorough account of your medical history.
Common problems experienced by individuals with hypermobility syndrome include
Weak grip e.g. holding cups of tea, turning door handles, opening jars or cans of food, cutting food, using buttons, etc
Walking up or down gradients
Building social relationships
Chronic pain and fatigue - bone shape within the joints, muscle strength.
Speed of healing
Skin often feels very smooth and is prone to excess bruising and stretch marks
Medications and Treatments
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Hypermobility syndrome is a condition that affects the collagen within an individuals body. Those diagnosed with the condition are rated on a Beighton scale of 1 to 9 based upon the severity of their joint elasticity. Those affected by the condition have a degree of contortionism within their joints with the primary areas of flexibility being seen within the fingers, wrists, elbows, knees, hips and ankles. The condition typically presents itself during puberty and is most prevalent in females.
Due to the increased flexibility of the joint muscles individuals with this condition are more likely to suffer from breaks and sprains than others. The affect of this condition on daily living is unique to each individual. As this condition manifests itself within puberty most individuals learn to adapt their lives and daily activities at a young age. Some individuals can have the highest severity of the condition (a score of 9) and experience little to no discomfort, whilst others with a lower scale may have excessive pain in the joints that are affected.
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