We understand that having brittle bone disease can bring difficulties to some of life's day to day tasks, but it doesn't mean that you stop living. We have arranged insurance for people with brittle bone disease, who had children and mortgages, that they wanted to arrange financial security for. Just because you have an illness, it does not mean that your insurance needs are any less than anyone else.
When it comes to making your application, you'll be asked for information like:
An insurer may request a report from your GP. The insurer typically pays for this and we sort out all the toing and froing, keeping you up to date along the way. The aim is to get a clear picture of your condition, the impact on your day to day health and so on.
Where life insurance is available to you, it's often with higher premiums. Generally speaking, more severe symptoms will mean higher premiums.
If you have particularly severe brittle bone disease, you may still be able to secure cover with a specialist provider.
Our job is to make the process more simple for you.
Hypermobility Syndromes Association (HMSA)
Members of the Hypermobility Syndromes Association (HMSA) often contact us to ask us whether we know where they can get affordable insurance cover for travel abroad. It is always shocking to hear of the high costs being quoted to members who have Marfan syndrome or Osteogenesis Imperfecta or the Ehlers-Danlos syndrome subtypes. Cura offers a comprehensive cover without penalising members of the HMSA for having genetic conditions. This is why the HMSA confidently directs members to Cura Insurance.
Donna Wicks, CEO HMSA
For those with brittle bone disease, applying for critical illness cover can be complex. That's not to say you won't find cover. We specialise in helping people with the condition to find the best insurance for their needs. If you have a very mild form of the disease with few symptoms and infrequent fractures, insurers may consider your application, though it's likely it will have to be reviewed by the provider's senior medical underwriting team.
You'll be required to share information about the full extent of your condition, complications, secondary conditions and the frequency of fractures. In the event that an insurer requests a GP report, they'll cover the cost of that, and please do not be concerned it is a pretty standard process for many health conditions. You simply sign a form saying the insurer can see your medical history and we sort all the rest.
It's also important to note that any cover offered may come with certain medical conditions excluded or a higher premium. If your condition is considered to be or a moderate to high severity by insurers, then we can look at specialist policies for you as an alternative.
Having brittle bone disease can limit options that are available for income protection cover. The reason is quite straight forward, with having brittle bone disease, you are at a higher risk of having an injury that causes you to take time off work.
However, all is not lost. There are providers who will consider cover in mild cases of the condition and there are also other options available for those who are unable to secure income protection on the standard marekt.
In addition to all the information outlined above, any income protection application will assess the amount of time you've had to take off work as the result of your brittle bone disease.
Generally, these applications need to go to senior medical underwriting teams for assessment.
If you do find that the terms for Income Protection don't suit you, or you cannot secure the right cover, then it may be worth considering Accident, Sickness and Unemployment Cover. This is a different sort of policy that provides you with a monthly income replacement of 12 to 24 months if injury, disability or voluntary redundancy results in you being unable to work.
With this sort of policy, medical underwriting is required. That means that your brittle bone disease won't have any impact at all on the terms of the policy. This does, of course, simplify the application process significantly. But do bear in mind that these policies will have exclusions around your existing condition.
If you have brittle bone disease, you'll need to declare this when applying for travel insurance. It could make your travel insurance application more complex, so speak to a specialist travel insurance broker who can help you to get the right cover based on your condition. Find out more here.
What is Brittle Bone Disease
Brittle Bone Disease is a genetic condition that is diagnosed when the collagen in the body does not work effectively, primarily resulting in the bones within the body being more susceptible to breaks than those without the condition. More familiarly known as brittle bone disease the condition can also affect other parts of the body causing ocular, auditory, dental and respiratory complications.
Also: Osteogenesis Imperfecta I (Lobstein Disease), Osteogenesis Imperfecta II (Vrolik Disease), Osteogenesis Imperfecta III, Osteogenesis Imperfecta IV, Osteogenesis Imperfecta V, Osteogenesis Imperfecta VI, Osteogenesis Imperfecta VII, OI, Ekman-Lobstein Disease
Linked with: Joint hypermobility, Hypermobility Syndrome (HMS), osteoporosis
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have brittle bone disease include:
Medications and Treatments
Further Reading and Research
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Review by Brian on 4th December 2017
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