When you apply for Life Insurance, neurofibromatosis type 2 will need to be fully declared to the insurer who will in turn request a report from your doctor in regards to your condition. Your doctor will be asked to detail the severity of your condition by describing how many tumours you have, how many tumours have been removed, how quickly the tumours develop and any other medical conditions and treatments that you have in relation to the neurofibromatosis. Your application will need to be reviewed on an individual basis by the chief medical officer for the insurer you approach. If your Life Insurance application is accepted it will most likely be at non-standard terms due to the inherent risks associated with your condition.
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Critical Illness Cover
Critical Illness Cover for people with neurofibromatosis type 2 will again be dependent upon the details of a doctors report, that will be assessed by the insurers chief medical officer. Any offer for Critical Illness Insurance that is made to you will be at special terms and will be directly linked to the severity of past and present tumours, the speed at which your tumours typically progress and any related secondary conditions that have developed.
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Income Protection for those with neurofibromatosis type 2 will also need to be reviewed by the insurers chief medical officer and it is probable that any offer for cover will be made at non-standard terms. Terms will be based upon your doctors report detailing your current health and past medical history. Where symptoms are moderate to severe and there are secondary conditions present your policy will be loaded further or in extreme cases declined.
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If you find that the terms of Income Protection provided to you are not suitable for your needs, it may be of interest to consider Accident, Sickness and Unemployment Cover. This type of policy will pay you a regular monthly income for 12-24 months if you are unable to work due to disability, severe injury or involuntary redundancy. The insurer will not review your neurofibromatosis type 2 at the point of application, but it will be excluded from any claims that you make in the future.
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Some potential problems experienced by individuals who have neurofibromatosis type 2 include:
- Balance difficulties
- Loss of hearing
- Loss of vision
- Loss of sense of smell and taste
- Surgical removal of tumours
- Annual screening
- Hearing aids