We know that Crohn's disease is different for anyone that has it, for some people it can cause some minor discomfort, for others symptoms can be more severe and require surgery. No matter how the Crohn's disease affects you, we are here to find you an insurer that is considerate of your circumstances.
Things we need to know:
Life Insurance for people with Crohn's disease can be available at standard rates, where the condition is considered to be of a low severity. If you have had no recent flare ups and are on mild medication, there should be options for you to have Life Insurance at normal terms.
For people who are experiencing stronger symptoms of Crohn's disease, it is possible that Life Insurance may be offered at non-standard rates (a premium increase). This could be due to the strength of medications that you take, if you have any abscesses or fistulas that are affecting your standard of living.
If you are due to have any surgery to treat the Crohn's disease e.g. fistula removal, fitting of an ileostomy or colostomy bag. then it is likely that your application for Life Insurance will be postponed, until you have fully recovered from the surgery. In this case you can arrange Life Insurance with a specialist insurer.
Critical Illness Cover for people with Crohn's disease can be available at standard terms, where the condition has been dormant for some time and light medication is in use. The insurer will want to know if the Crohn's Disease affects your standards of daily living, and a good indicator of this is if you are able to work.
Where stronger medications are in use and the Crohn's disease is more active, you may find that you are offered Critical Illness Cover. Some insurers may place an exclusion for Crohn's disease, if they have it as a claimable critical illness.
If you are waiting from surgery due to the Crohn's disease, you will need to speak with a specialist insurer to arrange your Critical Illness policy.
Income Protection for people with Crohn's disease is likely to be offered at non-standard terms. The insurer will probably offer you Income Protection at a higher premium than someone who does not have Crohn's disease, or they may offer an exclusion for claims relating to Crohn's disease instead. This is because the insurer sees the Crohn's disease as a condition that can progress and place you at a higher risk of making a claim for inability to work. The insurer will want to know if you have had any time off work due to the Crohn's disease, how often you experience symptoms and how it affects you on a daily basis.
If you are offered Income Protection but it comes with a price increase that doesn't suit you, you could look at Accident, Sickness and Unemployment Cover. This type of policy offers you income replacement for between 12 and 24 months, if you cannot work due to ill health or involuntary redundancy. Accident, Sickness and Unemployment policies are arranged without detailing your medical history, so your Crohn's disease will not affect your eligibility for the policy. But the policy will exclude any claim that's related to your Crohn's disease.
Are you going on holiday? We work alongside a specialist travel insurance broker that can fully explain what you are covered for, when it comes to the Crohn's disease. Please visit our dedicated travel insurance page here.
What is Crohn's Disease
Crohn's disease is a condition that is often misunderstood as someone simply having a bad case of diarrhoea with stomach pain. This is not the case. Crohn's disease is a debilitating condition that can affect the sufferer for weeks or months at a time and can affect any part of the digestive system from the mouth through to the bowel. The condition causes an inflammation of the lining of the digestive system and can be triggered by any combination of a genetic predisposition, immune system deficiency, previous infections or environmental factors.
Also: Inflammatory Bowel Disease (IBD), regional enteritis, Crohn syndrome
Possible Effects on Lifestyle
Some potential problems experienced by individuals who have Crohn's disease include:
Medications and Treatments
Further Reading and Research
1. I've tried to get life insurance to cover my mortgage, but my bank have said I cant have it because I have Crohn's disease? Is that normal?
No. It is unusual to be declined life insurance if you have Crohn's disease. You may have been declined life insurance if you are due surgery soon, or have had surgery recently. Many banks are tied to one insurer and it could be that the one your bank is linked with, just isn't good for people with Crohn's disease. There are quite a few insurers that can offer people with Crohn's disease Life Insurance on the standard market, and if for whatever reason that isn't available, there are specialist insurers you can go to.
2. I have Crohn's disease and had a colostomy bag fitted. Will this cause any issues with me getting Life Insurance?
Probably not. If your surgery was recent, then you may find that some insurers decline your application for Life Insurance, until some more time has passed. But even if that is the case, there are specialist insurers that you can arrange Life Insurance with. With you having a colostomy bag fitted, the insurer may take that as an indication that your Crohn's disease is on the more severe side of things, and could give you non-standard terms for Life Insurance (higher premium).
3. I want income protection and have crohns disease. I did have some time off work last year because of it, but I have not had a flare up in months. Can I get it?
It depends. The insurer is going to want to know exactly how long it has been since your last flare up and the length of time that you were unable to work. Some insurers may offer you Income Protection with an exclusion for claims related to the Crohn's disease, others may increase the policy premium instead. If there has been enough time since your last flare up, you may be able to get Income Protection at standard terms.
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