Insurance providers may be able to offer Life Insurance to those who have had bulimia. Your current height and weight will be taken into consideration when the insurers assess your application for Life Insurance, along with any medication you are taking. The insurer will want to know the lowest weight that it has been and how long ago this was, and if you have lost a significant amount of weight in the last year. For those who have had bulimia and now have a stable BMI, it is possible that Life Insurance could be available on the standard market.
If you currently have Bulimia, or a high/low BMI, you may need to apply for Life Insurance with a specialist provider. It is common practice, with many health conditions, for the insurer to ask for a report from your GP about your current health and how your health condition affects your life now.
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Critical Illness Cover
As with Life Insurance, insurers will ask you about your current health when you apply for Critical Illness Cover, specifically details about your weight and any mental health symptoms linked to the bulimia. You may be able to access Critical Illness Cover on the standard insurance market, if you have recovered from the bulimia and now have stable control over your weight. If you still have symptoms of bulimia and/or have a BMI that falls outside of the acceptance on the standard market, you may need to apply for Critical Illness Cover with a specialist insurer.
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Income Protection for those who have bulimia may be available, if the condition is no longer active and there are no lasting associated symptoms. Depending upon your circumstances, you may find that some form of a mental health exclusion is placed on the Income Protection claims set. You ideally want to arrange an Income Protection policy on an own occupation basis, that will give you access to the strongest claims set for this cover.
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Should you find that Income Protection is not available to you, or you do not want to proceed with the terms that are on offer, you may wish to consider Accident, Sickness and Unemployment Cover. This type of policy offers short term Income Protection for between 12 and 24 months if you are unable to work due to disability, long-term injury and involuntary redundancy. These policies are not medically underwritten at the time of application, so your history of bulimia will have no bearing on the acceptance terms of the cover. However, you should be fully aware that any claim that you place on the policy will be subject to medical underwriting, and the inability to work due to bulimia will be excluded from the policy claims set.
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