We are proud to work alongside the Turner Syndrome Society in providing insurance advice to their members and others with the condition. For every client with Turner Syndrome, who is a member of the Turner Syndrome Society, we will make a donation to the charity once an insurance policy is successfully in place.
Life Insurance for people with Turner Syndrome may be available at standard terms with a number of insurers provided that the condition does not cause specific issues with the heart or kidneys. Some applications will need to include a report from your GP detailing the extent of the condition, your general health and any medications/treatments that are in use; these reports are paid for by the insurer at their own expense. If the Turner syndrome does present any complications with the heart and kidney and/or there are any secondary medical conditions diagnosed, then your application for Life Insurance may be referred to the insurers Chief Medical Officer for individual assessment. Depending upon the degree at which Turner syndrome impacts upon your health, Life Insurance may be available at normal terms, non-standard terms (price increase) or if very severe declined.
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Critical Illness Cover
Critical Illness Cover for people with Turner Syndrome will be assessed in a similar manner to that of a Life Insurance application. A GP report will often be required for the insurer to feel confident that they have a clear picture of your current health and medical history before they offer you cover. For those where Turner syndrome presents mild symptoms with no complications to the heart and/or kidneys the insurer may be able to offer you Critical Illness Cover at standard terms. If there are any additional medical disclosures made and/or the Turner syndrome has implications on the heart and/or kidneys, the insurer may want their Chief Medical Officer to review your case on an individual basis. Depending upon the results of the reports the insurer may offer you Critical Illness cover at standard terms, special terms (price increase or exclusion of certain claimable illnesses) or decline cover.
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Applications for Income Protection for those with Turner syndrome will again be subject to the information detailed in a report from your GP. The insurer will be interested in whether the condition has caused you to have any time off work. Where the Turner syndrome causes no significant impact on daily living or ability to work, then the insurer may offer Income Protection at normal terms. If the condition causes specific difficulties to general living, there are additional medical conditions that are of consideration and the heart and/or kidneys are affected, then the insurer may ask their Chief Medical Officer to review your case. Your application for Income Protection will then either be accepted at normal terms, non-standard terms or declined.
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If you find that the terms provided for Income Protection do not suit your needs then you may wish to consider Accident, Sickness and Unemployment Cover. Accident, Sickness and Unemployment Cover will provide a monthly income replacement of between 12 and 24 months if you are unable to work due to long term injury, disability or involuntary redundancy. This type of policy does not require medical underwriting during the acceptance stage, meaning that your diagnosis of Turner syndrome will have no bearing on the terms of cover. Whilst this is the case you should be fully aware that any claim that you place on the policy will exclude any claim related to pre-existing medical conditions.
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Some potential problems experienced by individuals who have Turner syndrome include:
- Increased risk of kidney and urinary tract infections (UTIs)
- Crowding of the teeth
- Hearing loss
- Social interactions
- Spatial awareness
- Attention and hyperactivity issues
- Cognitive Behaviour Therapy (CBT)
- DEXA scan
- Hormone Replacement Therapy (HRT)
- Oestrogen and progesterone replacement therapy
- Somatropin (epr) (Norditropin Simplexx)
- Somatropin (rbe) (Genotropin, Humatrope, Zomacton)
- Somatropin (rmc) (Saizen)