Life Insurance for people with polymyositis will typically be available at non-standard terms so you will need to approach the correct insurance provider to give you the lowest policy rating possible. The insurer that you approach will want to know how long you have been diagnosed with polymyositis, the medications that are in use and how severe your symptoms are; they will usually ask to see a report from your GP to confirm this. Depending upon the severity of your symptoms and the strength of the medications that are in use the insurer may choose to place a premium loading on the policy, postpone the application until a set date or in rare cases decline the cover.
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Critical Illness Cover
Critical Illness Cover for people who have polymyositis may also be available with many insurers provided that your symptoms and medications in use fall within their acceptance criteria. The insurance provider will want to see a report from your GP to ascertain your overall state of health, the time since your diagnosis, the symptoms you have and the treatments that you have undertaken. Your Critical Illness Cover application may be accepted at non-standard terms (premium loading), postponed until a set period of time has passed or declined.
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Income Protection for people with polymyositis is available with a number of insurers. You are likely to receive more favourable terms if you are on little or no medication to control your condition. The insurance provider that you approach will be interested in whether the condition has caused you to have any time off work. The insurer will probably want to see a report from your GP to clarify the severity of your symptoms and the medications that you take to control the condition. Any terms of Income Protection that you are offered will be at non-standard terms, if the cover is available to you.
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If you find that Income Protection is not available to you or the terms offered do not meet your expectations, you should consider Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment Cover offers short-term income protection that will pay a benefit from between 12 and 24 months. This type of policy will pay out if you are unable to work due to disability, long-term injury or involuntary redundancy. Your medical history has no bearing upon the acceptance terms of an Accident, Sickness and Unemployment policy. However any claim that you place on the policy will exclude inability to work due to polymyositis and any other medical conditions that you have at the time that the policy starts.
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