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Life Insurance

Life Insurance when you have an arthritic condition will vary upon the specific diagnosis that you have, severity of the condition and medications that are used. The insurance provider that you approach will also be interested in how long you have had the condition and if there are any other significant medical disclosures to make. Many forms of mild arthritis with low strength medication and no scheduled surgeries will often be accepted at standard rates with insurers.

Where the condition affects a greater amount of the musculoskeleton, there are additional medical disclosures and/or strong medication is in use, the insurer may want to speak with your GP before offering cover. This will involve a simple medical report that is completed by your GP to outline your general health, allowing the insurance provider to offer cover at terms that suit your circumstances (an increased premium is possible). Please use the links below to establish the type of underwriting guidelines you could see with your arthritic condition when applying for Life Insurance.

Get a Life Insurance Quote

Critical Illness Cover

A Critical Illness Cover application that details an arthritic condition can be accepted anywhere from normal rates through to increased premiums or special exclusions; severe cases may be declined. Provided that your condition is mild, low medications are in use and there is no surgeries scheduled your Critical Illness Cover could be accepted at ordinary terms. More severe arthritic conditions that result in strong medication use and regular flare-ups can lead to your policy being accepted at an increased premium or with an exclusion to any claims related to your arthritis. Please see the links below to see further information about how your arthritis could affect your Critical Illness Cover application.

Get a Critical Illness Cover Quote

Income Protection

Income Protection for arthritics will be reviewed on strict guidelines due to the amount of musculoskeletal claims that have been placed on such policies. Mild conditions are likely to be accepted by insurers with an exclusion on any claim based upon your arthritis. More severe conditions will need to see the Income Protection application placed with a specialist insurer who will consider cover as not all will. The policy will certainly be offered with terms that exclude any claim related to your existing condition; cover may be declined in severe cases. For more information regarding your arthritic condition and Income Protection please use the links below in the arthritic conditions section.

Get an Income Protection Quote

Arthritic Conditions:

The Special Risks Bureau regularly arrange Life, Life and Critical Illness and Income Protection application requests for the following arthritic conditions:

  • Achilles tendonitis
  • Acute calcific tendonitis
  • Acute CPP crystal arthritis
  • Ankylosing spondylitis
  • Antiphospholipid syndrome
  • Back pain
  • Behçet's syndrome
  • Calcium crystal diseases (pseudogout)
  • Carpal tunnel syndrome
  • Cervical spondylitis
  • Churg-Strauss syndrome
  • Complex regional pain syndrome (CRPS)
  • Connective tissue disease (CTD)
  • Degenerative or mechanical arthritis
  • Diffuse idiopathic skeletal hyperostosis (DISH)
  • Enthesitis-related JIA
  • Extended oligoarthritis
  • Fibromyalgia
  • Giant cell arteritis (GCA) or temporal arteritis
  • Gout
  • Hammer toes
  • Henoch-Schönlein purpura
  • Hypermobility syndrome
  • Inflammatory arthritis
  • Juvenile idiopathic arthritis (JIA)
  • Kawasaki disease
  • Lupus (SLE)
  • Lyme arthritis
  • Microscopic polyangiitis
  • Oligoarthritis
  • Osteoarthritis
  • Osteomalacia
  • Osteoporosis
  • Paget's disease
  • Palindromic rheumatism
  • Patellofemoral pain syndrome
  • Plantar fasciitis
  • Polyarteritis nodosa (PAN)
  • Polyarthritis
  • Polymyalgia rheumatica (PMR)
  • Polymyositis and dermatomyositis
  • Psoriatic arthritis
  • Raynaud's phenomenon
  • Reactive arthritis
  • Rheumatoid arthritis
  • Scleroderma
  • Sjögren's syndrome
  • Soft tissue musculoskeletal pain
  • Valgus heel
  • Vasculitis
  • Wegener's granulomatosis

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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

Arthritis is a generalised term that covers a range of conditions that cause some form of problem with the body's musculoskeleton. Arthritis is diagnosed when joints become painful and inflamed, often causing a degree of immobility within the affected areas. Living with an arthritic condition varies greatly from person to person as the illness can manifest in so many different ways. Some people may have arthritis that affects a few joints in the hand, others may have a debilitating back condition that will affect all aspects of their daily routine. Regardless of the form of arthritis that you have, you will need to detail the condition to the insurer when you apply for one of the policies detailed on this page.

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