Life Insurance for people with sickle cell anaemia trait should be available at standard terms with most insurers. It is unlikely that the insurer you approach for Life Insurance will ask about whether you have sickle cell anaemia trait or if any of your family members have the condition. If you take any medication and/or have seen your GP in regards to your health you must detail this in your Life Insurance application. If you are unsure as to what you should detail in your application please discuss this with your financial adviser.
Critical Illness Cover for those with sickle cell anaemia trait will likely be available at normal terms with many insurers. As with Life Insurance, it would not be typical of an insurance provider to ask if you have sickle cell anaemia trait or any family members with the condition. You should detail any medication that you use and/or symptoms that you have had that may impact your Critical Illness application.
Income Protection for people with sickle cell anaemia trait may be available at standard terms provided that you have no other medical disclosures to make on your application. The insurer will be interested in any details regarding time off work that you have had, but are unlikely to ask if you have sickle cell anaemia trait.
Some potential problems experienced by individuals who have sickle cell anaemia trait include:
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Sickle cell anaemia trait is diagnosed when you are a carrier of sickle cell disease gene. This means that whilst you do not have sickle cell anaemia there is the potential for the condition to be passed on to any biological children that you have. Sickle cell anaemia causes severe pain due to the abnormal shape of the red blood cells that will also cause damage to body tissues and organs as they circulate.
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