When you apply for Life Insurance, neurofibromatosis type 1 will need to be fully detailed to the insurer. The insurance provider will likely want to see a report from your doctor to establish the extent to which the condition affects your health. Older individuals with mild neurofibromatosis type 1 may be able to secure Life Insurance at standard terms. Young adults applying for Life Insurance with neurofibromatosis type 1 may find that cover is accepted at non-standard terms where the price increases slightly.
Critical Illness Cover for people with neurofibromatosis type 1 will again require a report from your doctor for the insurer to fully assess the application. Applications are reviewed on a case by case basis with factors such as the number of tumours present, number of tumours removed and the speed of tumour development, all affecting the underwriting decision.
Income Protection for those with neurofibromatosis type 1 will undergo a similar assessment process as Critical Illness Insurance. A report from your doctor will need to be provided to the insurer detailing the amount of tumours you currently have, the amount that have been removed and how quickly they tend to develop. The terms provided for the Income Protection policy will be highly dependent upon the severity of the neurofibromas that you experience.
As an alternative to Income Protection people can apply for short term Accident and Sickness policies which will provide quick cover without any medical questions. Please note that these policies often have exclusions for pre-existing conditions.
Some potential problems experienced by individuals who have neurofibromatosis type 1 include:
Vitamin D deficiency
Medications and Treatments
Surgical removal of neurofibroma
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Neurofibromatosis Type 1 can be either a genetic or random development in an individuals gene structure, that causes tumours to develop along the nerves. Tumours may be painful or not, grow quickly or slowly and may be large or small. The condition typically presents itself in children under the age of three.
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