Asperger's Syndrome can be a complicated condition, even so, we appreciate that many people with Asperger's Syndrome are generally in good health and that the condition does not affect their lifespan. Despite this, obtaining life insurance can be more complicated for those with it.
Standard terms life insurance may be available for you. This will largely depend on the severity of your condition and how it affects your day to day life. When you're applying for life insurance, providers will want to know::
If the condition affects you more severely or you have secondary conditions you may have to take non-standard terms (higher pricing) but we're there to support you, and outline the options in plain English at every step of the way.
As with life insurance applications, critical illness cover applications will ask how the condition affects you, how it presents, what medication you use and if you have any secondary conditions. With any critical illness insurance application, it's not unusual for an insurer to request a GP report to get a full picture of your overall health. Again, 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 will generally be offered.
Very much as with critical illness cover and life insurance, income protection policies will require key information about your condition, the treatment or medication you take and how you are affected day to day. It's worth being prepared for any potential insurer to request a medical report from your GP, whilst they try and establish how much your condition affects your day to day living and ability to work. If your ability to go to work is unaffected by Asperger's, then you may be able to get an income protection policy on the standard insurance market. But be prepared that it will exclude any claims associated with Asperger’s syndrome, and more than likely any mental health related claims.
If you find that income protection doesn't suit you, then you may want to look at Accident, Sickness and Unemployment Cover. This is a non-medically underwritten policy that provides you with a monthly income replacement for 12-24 months, but the policy will exclude any claim relating to your Asperger's.
If you're planning a holiday or a getaway any time soon, then speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more by visiting our travel page here.
What is Asperger's Syndrome
Asperger's syndrome is an autistic spectrum disorder that results in a person having difficulty communicating, using their imagination and socialising. People with Asperger's syndrome can have highly advanced language skills, but face difficulties in understanding social boundaries of acceptable communication.
Also: Mild autism, autism spectrum condition, autistic spectrum disorder (ASD)
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Asperger's Syndrome include:
Medications and Treatments
Further Reading and Research
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1. My Asperger's Syndrome is only very mild. Do I still need to declare it?
Absolutely, yes. It must be declared and you will be asked for a lot of information about your diagnosis, how you manage the condition and how it affects your day to day life.
However, with a milder form of the condition, you're likely to find a wide availability of cover albeit potentially at higher than standard premiums.
If you have had any significant changes to your health recently, it is possible that the insurer that you apply to may postpone your application, until a little time has passed to make sure that you are ok. This is generally known as a postponement, but you may hear terms of being refused or declined insurance. Please do not worry if this is the case, we are here to help.
2. Will I need to send a medical report for life insurance with Asperger's Syndrome?
It's possible that a prospective insurer will want to see medical records, but it won't be your responsibility to send it. Generally, you'll simply need to consent to the insurer accessing records from your GP and they'll do this directly. They'll be looking for information about your condition and how it affects your day to day life and health.
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