Barrett's Oesophagus can make it more complicated to get life insurance in some cases, but we've made it our business to help take the hassle out of it.
The condition is often associated with Oesophageal cancer, but in reality, only around 5% of patients will go on to develop cancer. For most patients, the condition is well managed and controlled. And actually, many patients don't even exhibit symptoms and only find out about the condition during checks for something else.
If your condition is well controlled, then you may be offered life insurance at standard terms. Though if you have any complications e.g. a large area of the oesophagus is affected, or you have developed cancer, you may find that life insurance is available at a higher premium or that you need to look at a specialist insurer for the policy.
But, we'll talk you through the process and we'll get all the information we need from you, including:
For all of our customers with Barrett's Oesophagus we make it our primary objective to find the most suitable policies wherever possible, giving you the peace of mind you need.
As with life insurance applications, critical illness cover applications for those with Barrett's Oesophagus, will often also ask for information about your day to day health, secondary conditions and, of course, any dysplasia.
With any critical illness insurance application, an insurer may request a GP report to get a full picture of your overall health, the extent of the condition and any treatment. The cover criteria for this type of insurance is sometimes a little more strict than with life insurance and it may well be the case that the cover is offered with increased premiums or with exclusions for the condition.
When people who suffer from Barrett's Oesophagus apply for income protection cover, the insurer will require an overall picture of your general health, the extent to which you suffer with Barrett's oesophagus and any secondary conditions or complications. As with any other application for income protection cover the insurer is particularly interested in the amount of time you have had off work as a result of the condition. The availability of cover may be somewhat limited and come with increased premiums.
If you do find that the terms for Income Protection simply don't suit you, then Accident, Sickness and Unemployment Cover might be more suitable for you. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you find yourself unable to work due to long term injury, disability or voluntary redundancy.
Unlike Income Protection Cover applications, there's no medical underwriting required. In other words, the fact that you have Barrett's Oesophagus won't have any bearing on the terms you are offered. That does make the application process simpler, but you should also be aware than that you won't be able to make a claim relating to pre-existing medical conditions on the policy.
Those with Barrett's oesophagus will also needto disclose the condition when looking for travel insurance for a holiday or short break. Find out more by visiting our travel page here.
What is Barrett's Oesophagus
Barrett's Oesophagus is diagnosed when the cells that line the lower oesophagus, just above the sphincter and stomach, become columnar cells (red, tall) instead of squamous cells (pinkish-white, flat). It is thought that the condition is caused by long-term acid reflux, but may also be caused by smoking and carrying excess weight around the torso. Whilst Barrett's Oesophagus is not cancerous, the cell changes that occur increase the risk of oesophageal cancer developing, and are therefore deemed to be precancerous.
Also: Columnar-lined oesophagus (CLO)
Linked with: Metaplasia/dysplasia, reflux oesophagitis, gastro-oesophageal reflux disease (GORD), adenocarcinoma
Possible Effects on Lifestyle
Some potential problems and symptoms experienced by individuals who have Barrett's Oesophagus include:
Medications and Treatments
Further Reading and Research
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