Arthritis Life Insurance

Health conditions high risk insurance arthritis

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:

  • The treatment and medication you are receiving?
  • The extent of your symptoms?
  • How long you have suffered from Arthritis?
  • Information about any complications?

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.

There are many different versions of arthritis and no two people experience the exact same symptoms or impacts to their daily living. Please use the links at the bottom of this page, to access dedicated pages for arthritic conditions and more tailored indications of insurances available to you.

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Arthritis Critical Illness Cover

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.

Where the arthritis is only mild with uncomplicated symptoms, it may be possible to obtain critical illness cover on standard terms. However, if standard terms are not available, it is often possible to arrange cover at a higher premium. If you have additional or secondary medical conditions the insurer will also assess your application with these factors in mind. It is possible that the insurer may want to see a report from GP, where conditions are more marked and/or stronger treatment is needed, but please do not be concerned by this. The insurer does this at their own expense, and we do all the chasing around for you, keeping you up to date all the way.

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Arthritis Income Protection

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.

Arthritis can vary so much from person to person, it’s not really possible to understand someone’s health without knowing the exact form of arthritis that they have, and even then, people cope differently depending upon their individual circumstances. Please use the links a the bottom of this page to access specific information about your form of arthritis and what this means for your insurances.

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Arthritis Travel Insurance

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.

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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.

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

Further Reading and Research

Common Questions

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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Review by Graham on 12th September 2018

I was completely satisfied & informed as to the best options available to me by Kathryn. I will definitely use Cura again if given the opportunity. - 5 Stars

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Author

Kathryn Knowles, Managing Director

Dr Kathryn Knowles Phd

This page was written by Dr Kathryn Knowles Phd, an award-winning insurance adviser. To read more about Kathryn please see her bio here.