The degree to which people are affected by Arthritis can vary considerably. For some, the condition can cause debilitating pain, while for others, it can be well managed and have a much less severe impact on their life. But most importantly when it comes to life insurance, we know that with modern medication, Arthritis does not significantly affect the lifespan of the vast majority of people affected. And yet, getting life insurance can be made more difficult due to the condition.
While we know there is no cure for Arthritis and it is not possible to reverse the damage caused, for many people there will be few if any serious complications associated with it. As such, you may actually be able to get standard terms life insurance. In other cases, you may have to take non-standard terms (higher pricing).
When deciding what cover to offer, Insurers will want to know as much as possible about your condition, including:
In some cases, most typically where the condition is more severe and affects many parts of the body, the insurer may require a report from your GP (at their expense) in order to get as a full a picture as possible of your condition and general health.
For all of our customers with Arthritis, we make it our business to get the best, most appropriate life insurance policy with as little hassle as possible. We'll be clear from the outset about the information needed from you.
As Arthritis symptoms can vary so much, we would ask you to use the links below to establish the type of underwriting guidelines you could see with your particular arthritic condition when applying for Life Insurance.
As with life insurance, critical illness cover applications will also ask for information about your day to day health, the extent of your condition, how often your symptoms flare-up, the type and amount of medication that you take and any secondary conditions and complications.
With any critical illness insurance application It's really quite common for an insurer to request a GP report to get a full picture of your current and previous health. Again, if there are only mild uncomplicated symptoms it may be possible to obtain critical illness cover on standard terms. However, if standard terms are not available, terms where are higher premium is paid can generally be offered. If you have additional or secondary medical conditions the insurer will also assess your application with these factors in mind. Again, full details your treatment, the extent of your symptoms, and any complications will be needed.
Getting income protection if you have arthritis will always depend on how you are affected by the condition. Generally, the less severe the symptoms are, the more cover will be available. If your condition is more severe, it may be that you might have to look to a specialist provider. It might be the case that the policy will exclude your existing conditions. In other words, any income protection will not cover losses incurred as the result of arthritis or a related complication.
As Arthritis symptoms can vary so much, we would ask you to use the links below to establish the type of underwriting guidelines you could see with your particular arthritic condition when applying.
Whenever you take out travel insurance you should make sure that you know that it covers Arthritis and any associated conditions. Visit our dedicated page for specialist travel insurance here.
What is Arthritis
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.
The Special Risks Bureau regularly arrange Life, Life and Critical Illness and Income Protection application requests for the following arthritic conditions:
Further Reading and Research
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1. I was diagnosed with arthritis at a young age. Will the age of my diagnosis affect my life insurance policy?
There are a large number of factors that life insurance providers will take into account when assessing life insurance applications from people with arthritis. While they will want to know your age, the severity of your condition, how well managed and controlled it is and how it impacts your day to day life, is likelier to have more of a bearing than the age of diagnosis.
Depending upon the severity of your symptoms and the types of medication in use, some insurers may refuse to offer you the cover. This is where our specialist knowledge stands out. We know which insurers are best for you, to support your application for insurance.
2. Do I need to provide a medical report if I apply for life insurance with arthritis?
Generally speaking, mild forms of arthritis that don't cause you too many complications may mean you can get life insurance without the insurer seeing a medical report. However, in some cases, they will ask you to consent to them acquiring a report from your GP. Generally, they obtain this themselves and at their own cost.
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