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Life Insurance

When you apply for Life Insurance, migraines will need to detailed to the insurer with focus upon severity and frequency of the attacks, any investigations that have been completed and the resultant diagnosis, and methods used to control the condition. If your migraines are infrequent and rather mild it is possible that you could secure Life Insurance at standard terms. Frequent and severe migraines may result in your application being accepted at special terms (increased premiums). Where investigations have been conducted the insurer will want to know if any secondary/contributory illnesses have been diagnosed, or if the results came back all clear. Where results have shown no secondary conditions terms for Life Insurance are likely to remain at standard rates, where additional conditions have been identified it is possible that your policy will be accepted at special rates.

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Critical Illness Cover

When you suffer from migraines Critical Illness Cover applications will be reviewed in a similar way to Life Insurance. The insurer will be interested in the regularity and severity of flare ups, medications used to control the condition and the results of any investigatory tests that have been completed. Critical Illness Cover may be accepted at standard terms if your migraines do not occur frequently and the symptoms are considered mild. Where the condition occurs regularly and is rather debilitating you may find that the insurer offers you rated policy terms, which will mean an increase to the policy premiums.

It is possible that you will have Total Permanent Disability removed from the Critical Illness policy claims set, this should be of no concern as this is a small aspect of the policy and its removal does not outweigh the benefit of the other illnesses that remain covered. If investigations have shown that the migraines are due to a secondary condition your application acceptance will be highly dependent upon the secondary diagnosis and could see the policy accepted at rated terms or in more severe cases declined.

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Income Protection

For those with migraines an Income Protection policy can be available at standard terms if your condition is well controlled, you have infrequent attacks and there have been no significant absences from work. Where the condition has caused noted sickness absence from employment, the symptoms are severe or routine tests have shown a secondary cause for their onset, your application is likely to be accepted at special terms. This may involve an increase to the policy premiums or an exclusion for any claims related to your migraines and related conditions.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have migraines include:

  • Extended bed rest
  • Difficulty with bright or flickering lights
  • Difficulty with strong smells
  • Dietary restrictions
  • Aversion to some medications

Medications and Treatments

  • Almotriptan hydrogen malate (Almogran)
  • Aspirin
  • Betaloc
  • Botulinum Toxin Type A ( Botox)
  • Caffeine hydrate/Cyclizine hydrochloride/Ergotamine tartrate (Migril)
  • Caffeine/Sodium bicarbonate/Paracetamol (Resolve Extra)
  • Clonidine (Catapres, Dixarit)
  • Codeine/Paracetamol
  • Cyproheptadine (Periactin)
  • Diclofenac potassium (Voltarol Rapid)
  • Eletriptan hydrobromide (Relpax)
  • Flurbiprofen (Froben)
  • Frovatriptan succinate monohydrate (Migard)
  • Ibuprofen (Brufen)
  • Ibuprofen/Codeine phosphate (Cuprofen Plus)
  • Imigran
  • Inderal
  • Lopresor
  • Lysine acetylsalicylate/Metoclopramide hydrochloride
  • Methysergide maleate (Deseril)
  • Metoclopramide hydrochloride/Paracetamol (Paramax)
  • Metoprolol
  • Nadolol (Corgard)
  • Naproxen
  • Naratriptan hydrochloride (Naramig)
  • Nurofen Plus
  • Panadol Extra Soluble tablets
  • Panadol Extra tablets
  • Panadol Night
  • Paracetamol
  • Paracetamol/Caffeine (Hedex Extra)
  • Paracetamol/Codeine /Caffeine (Ultramol Soluble Tablets)
  • Paracetamol/Codeine/Diphenhydramine/Caffeine (Propain Caplets)
  • Paracetamol/Codeine/Doxylamine/Caffeine (Propain Plus)
  • Paracetamol/Dihydrocodeine (Paramol Soluble Tablets)
  • Paracetamol/Diphenhydramine tablets
  • Paramol tablets
  • Pizotifen hydrogen malate (sanomigran)
  • Prochlorperazine maleate (Buccastem)
  • Propranolol
  • Rizatriptan benzoate (Maxalt)
  • Solpadeine headache soluble tablets
  • Solpadeine headache tablets
  • Solpadeine Migraine ibuprofen and codeine tablets
  • Sumatriptan (Imigran Nasal Spray)
  • Sumatriptan succinate (Imigran Recovery)
  • Timolol
  • Timolol Maleate (Betim)
  • Transcranial magnetic stimulation
  • Tolfenamic Acid (Clotam)
  • Topiramate (Topamax)
  • Zolmitriptan (Zomig)

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Summary definition

Migraines are a debilitating experience that can cause a whole host of uncomfortable symptoms for the sufferer. Migraines are classed as occurring with aura, without aura or without headache (silent migraine). This means that a migraine can be pre-empted by changes in physical sensations before the onset of a headache, a headache with no warning or the experience of pre-migraine symptoms with no resultant migraine. A migraine will typically last between four hours and three days and will often require the affected to rest in a dark room away from noise, light and smells that can aggravate symptoms.

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