We understand that Anorexia is a very serious condition. But equally, we appreciate that the severity of the condition varies considerably from one person to another and so there simply isn't a standard approach to life insurance here. When you do apply for life insurance as an anorexia sufferer, providers will seek as much information as possible about your condition.
Typically they will ask you:
If your condition is not particularly severe then you may be able get cover on the standard insurance market. For others we may have to approach a specialist insurer who will want to get a report from your GP, at their expense, to get a clearer picture of your medical history.
If you have recovered from Anorexia and you now have what is considered a healthy BMI, you may be able to obtain cover on standard terms. Even if you still have symptoms or your BMI is below insurers standard guidelines you may still be able to obtain non-standard terms cover, usually meaning you pay increased premiums.
If you're applying for critical illness cover as a current or previous sufferer of anorexia, then again there will be a lot of information required from you (including BMI, lowest weight, any mental health treatment and similar). Your policy could be accepted at normal or non-standard terms, depending upon the severity the Anorexia and your overall health.
If a GP report is requested, this is often at the insurer's own expense. It is also worth noting that critical illness cover policies with specialist providers, may have certain exclusions for claims relating to any pre-existing conditions that you have.
You can still get Income protection insurance if you suffer from Anorexia or if you have suffered from it in the past. The cover provider will want to know as much as possible about your condition and will request the same sort of information as for a life insurance policy. So be prepared to be asked questions about your lowest weight and BMI, any history of self harming, any treatment by psychiatrists or other mental health providers and how long it has been since you were at your lowest weight.
These can be daunting questions for those that have Anorexia and our team will help to make the process as smooth as possible, ensuring that you know at each step of the way what is needed and why.
Whenever you take out travel insurance you should make sure that you know that it covers Anorexia and any associated conditions. Visit our dedicated page for specialist travel insurance here.
What is Anorexia
Anorexia is a serious mental health condition whereby sufferers usually have a distorted image of their bodies and weight. They want to keep their body weight low because they feel too fat or not thin enough. This health condition can last several years and have serious effects on the body, sometimes leading to osteoporosis, infertility and heart problems.
Also: Anorexia Nervosa
Linked with: Depression, anxiety, low self-esteem, alcohol misuse, self-harm, amenorrhoea, obsession, compulsion, OCD, tooth decay, osteoporosis, infertility, heart failure, heart valve disease, low blood pressure, kidney damage, liver damage, anaemia, hypoglycaemia
Possible Effects on Lifestyle
Some people with Anorexia may experience some or all of the following symptoms and problems:
Medications and Treatments
Further Reading and Research
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