We know that may people with Bell's Palsy will make a full recovery in a short period of time. For most, the condition never recurs again and thus has no impact on long term health or lifespan.
Despite that, this is a condition that can make your life insurance application a little bit more complicated. That's where we come in, helping those with Bell's Palsy to secure the most appropriate life insurance policy.
To help you, we are going to need to ask:
If you're one of the majority of those with the condition, who have made a full and swift recovery with no recurrence, it is common to find standard terms policies available for you.
It's uncommon for people to have a recurrence of Bell's Palsy, but if you have had a recurrence, it might make it more complicated to secure a policy. Similarly, if your condition persisted for longer than they do for most, you might also find it more difficult to find standard terms life insurance policies.
In these cases, policies with higher premiums may well still be available to you.
As with life insurance applications, critical illness cover applications will also require information about your day to day health, when you had Bell's Palsy, how long it lasted and whether or not you have ever experienced a recurrence of the condition.
It's not uncommon at all, for an insurer to request a report from a GP, to build a picture of your general health.
With critical illness cover, the qualificiation criteria may be a little stricter. But if you've only experienced the condition once and made a full recover, standard terms could well be available to you.
We'll do our very best to take as much of the hassle out of the application process as possible for you, leaving you to get on with living your life!
When people who suffer from Bell's Palsy apply for income protection cover, the insurer needs an overall picture of your general health, information about the extent to which you suffered with the condition and whether you have any secondary conditions.
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.
There should be a reasonably wide availability of cover, unless you have suffered multiple recurrences of the condition, requiring lengthy periods of time off work. At this point we may need to look at some more specialist advice for your needs.
If you're planning any overseas travel, we can help you to find the best travel insurance policy taking into account your Bell's Palsy here.
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What is Bell's Palsy
Bell's palsy is signified by the loss of control in the facial muscles, usually affecting just one side of the face. The condition can cause a mild loss of control to the facial muscles or full paralysis to the area. Bell's palsy is believed to occur when a viral infection causes an inflammation to the facial nerve blocking the signals from the brain that regulate the facial muscles.
Also: Partial palsy, Complete palsy
Linked with: High blood pressure, type 1 diabetes, type 2 diabetes, varicella-zoster virus, Ramsay Hunt syndrome, Herpes, tinnitus, Lyme disease, syphilis, Epstein-Barr virus, glandular fever, cytomegalovirus, Multiple Sclerosis
Some potential problems and symptoms experienced by individuals who have had Bell's Palsy include:
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Review by Colin on 15th October 2018
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