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Life Insurance

Urinary tract infections Life Insurance applications will need to detail the amount of times that you have the condition, the last time that you experienced it and if you are fully recovered. In general UTIs will have little bearing upon your Life Insurance application provided that any tests conducted by your doctor have come back clear. Where the infections are frequently occurring and additional investigations have shown a secondary condition the insurer will likely want to see a report from your GP to get a clear picture of your health. Depending upon the cause of the UTIs and any complications from secondary conditions your Life Insurance will be reviewed further based upon the additional diagnoses. Please see our other health pages to establish if any additional condition you have can have an impact upon your Life Insurance application.

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Critical Illness Cover

When you have had infrequent urinary tract infections, Critical Illness Cover will probably be available at standard terms with most insurance providers. Regular flare-ups or additional health conditions that are causing the UTIs will see your application reviewed more thoroughly by the insurer, who may wish to see a report from your GP to understand the reasons for the recurrent infections. If you have a secondary condition that can bring added complications when you have a urinary tract infection, such as HIV or diabetes, the insurer will focus primarily upon the more serious condition when considering offering you cover. Please use our health conditions search facility on the site to establish how your additional medical disclosures could effect the acceptance terms of your Critical Illness Cover.

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Income Protection

Income Protection for those who have urinary tract infections will again be typically available at normal terms. Where the UTIs have occurred regularly and have caused you to have time off work the insurer may wish to speak with your GP to establish any reasons as to why you have experienced strong flare-ups of the condition. As with the other insurances discussed if there are additional medical disclosures present the insurer will want to review the severity of these conditions and determine acceptance terms based upon your overall health.

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Possible Effects on Lifestyle

Some potential problems experienced by individuals who have urinary tract infections include:

  • Need to urinate frequently
  • Being selective with contraceptive options
  • Heightened personal hygiene practices

Medications and Treatments

  • Antibiotics (co-amoxiclav, cefalexin, ciprofloxacin)
  • Cystoscopy
  • Intravenous urogram (IVU)

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Please feel free to call us on 0800 567 7450 and one of our qualified insurance advisers will be happy to assist you.

Summary definition

Urinary tract infects can occur anywhere within the urinary system from the lower bladder, upper bladder and up to the kidneys. Depending on where the infection is based the symptoms of the condition can vary and you will generally need to speak with your doctor to confirm the cause of your discomfort, rule out anything more serious and get the medication that you need to get better.

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