Life Insurance for people with sickle cell anaemia may be available with some insurers at non-standard terms; an increase to the policy premium and/or a specified limit to the policy term. The insurance provider that you place your Life Insurance application with will request a report from your GP to establish the severity of your condition, medications and treatment in use and how long you have been diagnosed with the condition. The insurer may want additional information in regards to any blood transfusions or hospital admissions that you have recently had. Any terms for Life Insurance that you receive will have at least a small premium loading, but depending upon the severity of the condition you may find that the policy premiums have a high loading applied to them, or that the cover is declined.
Unfortunately Critical Illness Cover for those with sickle cell anaemia is currently unavailable.
Unfortunately Income Protection for people with sickle cell anaemia is currently unavailable.
As an alternative to Income Protection you should consider Accident, Sickness and Unemployment Cover for your short-term needs. An Accident, Sickness and Unemployment policy will pay a monthly income replacement for between 12 and 24 months if you are unable to work due to disability, long-term illness or involuntary redundancy. Any pre-existing medical conditions that you have, including sickle cell anaemia, will be excluded from the policy claims set.
Some potential problems experienced by individuals who have sickle cell anaemia include:
Care whilst exercising to avoid over exertion
Maintaining fluid intake
Avascular necrosis (AVN)
Medications and Treatments
Bone marrow transplant
Cognitive Behaviour Therapy (CBT)
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Sickle cell disease is named for the distinctive shape of the red blood cells that develop with the condition: a rigid crescent (sickle) shape. The haemoglobin in someone with the condition (HbS) can become blocked within blood vessels due to the abnormal rigid structure of the cells, causing severe pain and damage to body tissue and organs (known as sickle cell crisis or vaso-occlusive crisis). Sickle cell anaemia is an inherited condition that mainly affects those of an African, Caribbean, Middle Eastern, Eastern Mediterranean or Asian heritage.
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