Life Insurance with tinnitus will be reviewed in regards to the cause of the condition, the results of any investigations completed and any associated illnesses that are present. Where tinnitus is active but has no additional contributory conditions you may find that you are able to secure Life Insurance at standard terms. Where there are additional medical conditions present the insurer may wish to see a medical report from your GP to establish your overall state of health. If your medical history has a number of notable health disclosures then it is possible that the insurer may choose to increase your policy premiums.
Critical Illness Cover for people with tinnitus will be reviewed in a similar manner to Life Insurance, in that the insurer will be interested in the cause of the condition and any additional medical disclosures that you have. You are likely to find that any Critical Illness Insurance that you are accepted for will come with a deafness exclusion.
Income Protection for those with tinnitus will probably have a similar underwriting outcome as that of Critical Illness Insurance applications. It is likely that a deafness exclusion will be placed on the policy, meaning that should you be unable to work due to your tinnitus or a related aural condition you will not be able to claim for this.
Some potential problems experienced by individuals who have tinnitus include:
Dependence on hearing aids and loop systems
Difficulty to concentrate in loud environments
Pain with sudden loud noises
Difficulty hearing certain tones and pitch of voice
Medications and Treatments
Cognitive Behaviour Therapy (CBT)
Tinnitus Retraining Therapy (TRT)
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Tinnitus can be a highly frustrating condition to have as the diagnosed develops a kind of internal sound that they can hear constantly; this can be a buzzing, humming, grinding, hissing, whistling and/or sizzling. Tinnitus is generally categorised into three forms: pulsatile tinnitus, musical hallucinations and low-frequency noise. If a definitive cause of the tinnitus can be found it can often be treated and in time reduce greatly or possibly disappear. For those who do not have a specific cause for the condition the use of coping strategies such as distraction techniques will be required to lessen any discomfort caused by the illness.
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