We understand that people with Behcet's disease know how to properly monitor and best control their condition. While in some cases Behcet's can be associated with other, more serious conditions, in the vast majority of cases it will have no effect on lifespan. Despite, this, the condition can make an application for life insurance more complication.
For many people the symptoms of Behcet's can be varied and while there is no cure, it can be treated quite easily. We also know that in some case people's symptoms resolve completely. For many people with the condition, standard terms life insurance will be available. In other cases, for example, you have frequent and persistent symptoms, you may have to take non-standard terms (which essentially means a higher price).
To find the most appropriate policy for you, we'll need some key information from you?
From there, we can help you to find the most appropriate life insurance policy taking your condition into account.
Behcet's Disease will also have to be declared if you're applying for critical illness cover. And the application for this type of cover will have a lot in common with the life insurance application.
The main things the insurer will be interested in are how severe the symptoms are and how frequent they are. You'll also be asked about how your condition is being managed and treated.
Those with well controlled Behcet's, where the symptoms do not occur very often, may well be able get standard terms. In other cases the cover may be offered with increased premiums or exclusions.
Applications for income protection insurance when you have Behcet's can be a little more difficult than the other types of applications above. The main added layer of information to disclose here is the time you have had off work due to the condition. Because the symptoms of Behcet's can be so varied, the effects upon a person's ability to work with the condition vary too. As you'll be aware, some symptoms (like stiff and swollen joints) can be painful and lead to absence from work. For that reason, most available policies will have exclusions, and may come at a higher price.
If you do find that the terms you are offered on Income Protection simply don't work for you, then Accident, Sickness and Unemployment Cover might be more appropriate. This sort of policy will provide you with a monthly income replacement of 12 to 24 months if you are unable to work due to long term injury, disability or redundancy.
Unlike Income Protection Cover applications, there's no medical underwriting required with Accident, Sickness and Unemployment cover. What that means is that your Behcet's Disease 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.
Behcet's Disease is a condition you should make any travel insurance provider aware of too when travelling either for a holiday or even work. Find out more by visiting our travel page here.
What is Behcet's disease
Behcet's disease is a condition that is diagnosed when the body's autoimmune system goes into overdrive causing inflammations of the eyes, joints and development of mouth ulcers. The condition can occur wherever there is a blood supply. There is no cure for Behcet's disease with focus being upon methods to suppress the immune system and manage the symptoms.
Also: Behcet's syndrome, Behçet's syndrome, Behçet's disease
Linked with: Strokes, deep vein thrombosis (DVT), cerebral venous thrombosis (CVT), Vasculitis
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have had Behcet's Disease include:
Medications and Treatments
Further Reading and Research
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