Autoimmune disorders are incredibly varied, both in terms of the severity and complexity. Because of this, the range of premiums that may be available varies hugely too. It may be that the application process is pretty straightforward, but some conditions will require quite an in-depth application process.
As you would expect, the insurer will want to know as much as possible about your particular condition.
This will include:
It may seem daunting initially, but we can help you to understand the information required, as we specialise in helping those with complex conditions, to secure appropriate life insurance.
Critical Illness Cover for people who suffer from Autoimmune Disorders is often available, but as the range of conditions is so varied, so are the premiums. They will of course reflect the seriousness of the particular condition that you suffer from. As you would expect the insurer will want to know as much as possible about your health. We have many Autoimmune Disorders covered under our dedicated pages for these conditions, such as Crohn's Disease or Multiple Sclerosis, and we would suggest that you take a look at these.
As with other types of insurance, sufferers of Autoimmune Disorders will be considered for income protection, with reference to the particular condition that they suffer from. The insurer will be looking at the seriousness of the condition and how this has affected your ability to work in the past and how it affects your long term prospects of being able to remain in work.
You may find that a short-term Accident and Sickness policy that can provide you with a monthly benefit, should you be unable to return to your job for up to 24 months, might be a better option.
Planning a holiday or break in the near future? 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 Autoimmune Disorders
Autoimmune system disorders are classified as those conditions in which the body's immune system stops working correctly, increasing the risk of external pathogens causing serious illness. An autoimmune disease is a lifelong condition that cannot be cured, but can be managed effectively with modern medicine to reduce its affect upon the diagnosed person's daily life.
Autoimmune Disorder Conditions:
The Special Risks Bureau regularly source Life, Life and Critical Illness and Income Protection application requests for the following autoimmune system disorders:
Further Reading and Research
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