Life Insurance for people with Bell's Palsy may be available at standard terms with some insurers. The insurance provider that you place your Life Insurance application with will want to see a report from your GP regarding the severity of the condition when it presented, any lasting complications, how many recurrences there have been and the time since the last episode occurred. Where the Bell's Palsy has occurred on multiple occasions or there are additional secondary illnesses that need to detailed, it is possible that the insurer may choose to offer you Life Insurance at non-standard terms.
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Critical Illness Cover
Critical Illness Cover for those with Bell's Palsy may also be available at normal terms with some insurance providers. The insurer will again want to see a GP report detailing aspects of the condition including but not limited to the time since the last event, how may times the condition has presented itself, any secondary illnesses that are contributing to your health and any medications and/or treatments that are in use. The insurer will be particularly interested in whether or not there are any neurological factors causing the Bell's Palsy. If your Bell's Palsy is recurrent and/or there are other contributing conditions to your health it is possible that the insurer may choose to offer you Critical Illness Cover at special terms (exclusions to some of the claimable conditions set).
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Income Protection for people with Bell's Palsy may be available at normal terms. The insurance provider will use a report from your GP to establish what terms of Income Protection that they are able to offer. The insurer will want to know whether the condition has caused you to have any time off work, how may events you have had, the time since your last instance of Bell's Palsy and also detail any secondary conditions that are diagnosed. Depending upon the severity and regularity of the condition your application for Income Protection may be accepted at standard terms or non-standard terms (exclusion on the policy claims set). Should the insurer establish that the Bell's Palsy is due to neurological factors then it is likely that you will be declined Income Protection.
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If you find that the terms offered for Income Protection are not suitable to your circumstances it is worthwhile considering Accident, Sickness and Unemployment Cover. An Accident, Sickness and Unemployment policy is underwritten without consideration of the policyholders medical history, which means that the diagnosis of Bell's Palsy will have no bearing on the policy acceptance terms. Whilst this is the case any claim that you make on the policy will exclude any claim related to pre-existing conditions, including the Bell's Palsy. Accident, Sickness and Unemployment Cover provides a monthly income replacement for between 12 and 24 months if you are unable to work due to long-term disability, injury or involuntary redundancy.
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