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You can view a transcript for this CuraVision Underactive Thyroid video here.

Life Insurance

Underactive thyroid (hypothyroidism) Life Insurance is available with many insurers on the standard market, provided that your the condition is adequately controlled and your TSH levels are within the normal range. The insurer will want to know the cause of the underachieve thyroid and what treatment you take to control the hypothyroidism. Where there have been recent changes to your health overall and/or there are secondary conditions to disclose e.g. goitre, high cholesterol, the insurer may increase the premium of the cover.

If there are additional medical considerations to the underachieve thyroid and/or your TSH levels are not within the normal range, some insurers on the standard market may offer Life Insurance at an. Increased premium or postpone the application, until your health stabilises. You may find a specialist Life Insurance policy is more suited to your needs, until your TSH levels return to normal.

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Critical Illness Cover

Underactive thyroid (hypothyroidism) Critical Illness Cover can often be sourced at standard rates with the same stipulations as above: well controlled TSH levels within the normal range and the reason for diagnosis. If the underachieve thyroid has led to any secondary conditions, the insurer will want to know the severity and treatments taken to control these additional factors. Again, Critical Illness Cover when you have an underachieve thyroid can be available at standard premiums if the condition is well controlled.

For those with additional health concerns and a TSH outside the standard range, Critical Illness Cover may be offered at non-standard rates in the form of a premium increase. You may find that a specialised policy is more appropriate for you, until your the underachieve thyroid stabilises.

Income Protection

Income Protection for people with an underactive thyroid is treated in a similar manner as the above policy types. Standard rates can be available if the condition is well controlled, there are no significant secondary illnesses present and there have been no other recent changes to your overall health. If your TSH is outside of the standard range, you may find that Income Protection is available at special terms, typically in the form of a premium increase.

Get an Income Protection Quote

Underactive Thyroid Travel Insurance

Are you planning on travelling abroad? It is important that you make sure that your travel insurance fully covers you for travel with an underachieve thyroid. We have teamed up with a specialist travel insurance broker who can help you find the right cover for you. Find out more here.

Possible Effects on Lifestyle

Some potential problems experienced by individuals who have an underactive thyroid include:

  • Goitre
  • Cardiovascular disease
  • Pregnancy complications
  • Exhaustion
  • Dry skin
  • Brittle hair and hair loos
  • Slow thought processes

Medications and Treatments

  • Levothyroxine
  • Liothyronine
  • Liotrix

For more information on specific health conditions, pastimes, occupations and countries please select here:

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Summary definition

Underactive thyroid (hypothyroidism) occurs when the body produces insufficient levels of the thyroid hormone, thyroxine (T4). Hypothyroidism tends to be a result of the immune system attacking the thyroid gland, but can also be the result of surgery or other thyroid related illnesses. The condition causes many of the bodies functions to slow down which can result in weight gain, general tiredness and depression.

Other Services Available

You can apply for any of the following services through ourselves

* Please note that accident and sickness cover will likely exclude pre-existing health conditions.
** These services are placed with our selected partners.

Further Reading and Research