Ulcerative colitis Life Insurance applications can be accepted by many insurers and can come with terms of standard rates or special terms. For those who have a few flare-ups a year and are otherwise symptom free, ordinary rates can be secured for Life Insurance provided that the medication in use is mild. When you apply for Life Insurance ulcerative colitis that causes regular symptoms combined with stronger medication/treatment, acceptance terms are likely to include a premium increase.
Where the ulcerative colitis has been combined with liver disease, there has been recent surgery or surgery is scheduled for the future or you have been admitted to hospital in the last year, it is possible that the insurer may postpone your application. It is also possible that if you were only diagnosed with ulcerative colitis recently then your application may be postponed until your condition is well controlled.
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Critical Illness Cover
Ulcerative colitis Critical Illness applications will require the same details as Life Insurance: the date of diagnosis, details of medications and treatments, surgery that has been performed or is planned and the amount of symptoms that you have per year. Where mild medication is in use it is possible that Critical Illness Cover will be available at either normal terms or with a premium increase.
Critical Illness applications that detail ulcerative colitis that is controlled with stronger medication or treatment will certainly be subject to higher premium loadings or may come with exclusions to any claim related to your condition. In severe cases it is possible that your application will be declined.
As with Life Insurance, your Critical Illness Cover application may be postponed depending upon how well controlled your condition is with medication, there have been recent or upcoming surgeries planned or hospital admission within the last 12 months.
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When you apply for Income Protection, ulcerative colitis will result in your application being looked at quite thoroughly by insurance underwriters. Your policy terms will be subject to a medical report from your GP, so that the insurer can establish a clear picture of your present health. If you have few flare-ups per year and take mild medication your policy will probably be accepted with a premium increase or an exclusion for your condition on the claim set. Where strong medications are in use, regardless of the number of flare-ups a year, the policy will either have a premium increase, an ulcerative colitis exclusion, or be declined.
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If the price of the Income Protection policy you are offered is not suitable, or you are declined cover, it is worth considering Accident, Sickness and Unemployment cover. This is a short term income protection policy that provides a monthly payout for 12 to 24 months, if you are unable to work due to illness or injury. Accident, Sickness and Unemployment policies are not medically underwritten so the policy will be accepted regardless of your ulcerative colitis, but you must be fully prepared that the policy will exclude any claim related to your conditon.
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Some potential problems experienced by individuals who have ulcerative colitis include:
- Inflammation of the bile ducts (primary sclerosing cholangitis)
- Toxic megacolon
- Itchy skin
- Leg rash (erythema nodosum)
- Mouth ulcers (aphthous ulcers)
- Eye inflammations (episcleritis, anterior uveitis)
- Painful joints (acute arthropathy)
- Pyoderma gangrenosum
- Adalimumab (Humira)
- Balsalazide disodium (Colazide)
- Beclometasone dipropionate
- Budesonide (Entocort, Pulmicort, Rhinocort)
- Dexamethasone sodium phosphate
- Hydrocortisone acetate (Colifoan)
- Hydrocortisone Sodium Succinate (Solu-Cortef)
- Maintenance therapy
- Mesalazine (Ipocol, Mesren, Pentasa, Salofalk)
- Methylcellulose (Celevac Tablets)
- Methylprednisolone (Medrone)
- Methylprednisolone acetate (Depo-Medrone)
- Methylprednisolone sodium succinate (Solu-Medrone)
- Olsalazine sodium (Dipentum)
- Prednisolone (Deltacortril)
- Prednisolone acetate
- Prednisolone sodium metasulphobenzoate (Predfoam)
- Prednisolone Sodium Phosphate (Predsol)
- Sulfasalazine (Salazopyrin)