Life Insurance for those with vitiligo will likely be available at normal terms if the condition is mild and non-progressive at the time of the application. If the condition is severe and requires oral steroid treatment or if surgery is due, then the insurer may choose to offer Life Insurance at non-standard terms, decline or postpone the cover until treatments are finished.
Critical Illness Cover for people with vitiligo may be available at standard terms if your symptoms are mild and there are no strong medications in use to control the condition. If you take oral steroids or are due surgery for the condition then the insurance provider might offer policy terms at an increased premium or decline/postpone the Critical Illness application until the vitiligo has stabilised.
Income Protection for those with vitiligo can be available at standard terms with many insurers provided that no strong medications are in use, there are no scheduled surgeries and you have not had time off work due to the condition.
Some potential problems experienced by individuals who have vitiligo include:
Extra care in the sun
Loss of eye pigmentation
Partial loss of hearing (hypoacusis)
Medications and Treatments
Skin camouflage cream
Vitamin D supplements
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Vitiligo occurs where there is a lack of melanin in the skin and typically affects those areas most subject to the sun: face, neck, arms and hands. There is no known direct cause of vitiligo but it is thought to be linked to autoimmune conditions and nerve endings within the skin. Those with vitiligo need to take additional care when in the sun as the affected patches of skin are more prone to sunburn.
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